न्याय अब आवाज़ से.
Justice, Now Through Voice.
MSME owners lose ₹10.7 lakh crore in delayed payments every year. Filing a dispute shouldn't require a law degree or a laptop. With Klariqo, they just make a phone call — in their language.
₹10.7 Lakh Crore
Stuck.
The delayed payment crisis no one's solving.
Delayed payments stuck
Cases unresolved on Samadhaan
Disputes filed since 2017
Owed by government agencies
The MSME Samadhaan portal exists. The MSMED Act (Section 15-16) gives MSMEs legal rights. But for a factory owner in Indore who's owed ₹3 lakh and doesn't know about Section 16 — the portal might as well not exist.
The interface is text-heavy, English-first, and assumes digital literacy that 90% of Tier 2-3 MSME owners don't have.
"The law exists. The portal exists. The accessibility doesn't."
एक Phone Call में
Samadhaan Filing.
Every other ODR platform requires typing. We let them talk.
आवाज़ से दर्ज करें
File by Voice
Speak in Hindi, Hinglish, or Marathi. No forms. No typing. Just describe what happened.
Section 16 ब्याज़ गणना
Interest Calculation
AI automatically calculates compound interest at 3x RBI bank rate per MSMED Act Section 16. Live, during the call.
Samadhaan-Ready Filing
Outputs structured data matching exact Samadhaan portal fields: Udyam number, invoice details, interest amount, dispute category.
कैसे काम करता है
How It Works
MSME owner calls
Speaks in Hindi about their unpaid invoice. No menus, no buttons — just a conversation.
AI extracts details
Supplier name, Udyam number, invoice number, dates, amounts, dispute type — all extracted from natural speech.
Interest calculated live
"Aapka mukhya rashi ₹3,00,000 hai. Aaj ki tarikh tak byaaj ₹4,875 hai, Section 16 ke anusaar."
The owner hears their exact legal entitlement, on the call.
Filing generated
Samadhaan portal-ready document with all fields populated. SMS confirmation sent with summary.
सुनिए कैसा लगता है
Hear How It Sounds
नमस्ते, मैं Klariqo हूँ। आपकी भुगतान समस्या में मदद करती हूँ। कृपया अपना उद्यम नंबर बताइए।
हाँ, मेरा नंबर है UDYAM-MP-12-0045678
धन्यवाद। किस कंपनी ने आपका भुगतान नहीं किया?
Sharma Steel Traders, Indore. तीन लाख का invoice है, चार महीने हो गए
समझ गई। ₹3,00,000 का invoice, 4 महीने overdue. Section 16 के अनुसार 19.5% ब्याज दर से आपका कुल ब्याज ₹4,875 है। क्या आप Samadhaan portal पर filing करना चाहेंगे?
यह स्क्रिप्ट नहीं है। यही AI करता है।
This isn't a script. This is what the AI actually does.
Production-Tested
Voice Pipeline.
Not a hackathon prototype. A fork of infrastructure handling real calls in the US.
Sarvam AI
Native Hindi STT/TTS. Not translation — native Indic language models. saaras:v3 for speech-to-text, Bulbul v3 for text-to-speech.
Real-Time Pipeline
Streaming STT → LLM → TTS. Barge-in detection. Sub-400ms first response. Same architecture handling US calls today.
Data Sovereignty
All voice data processed within Bharat, via Sarvam's Swadeshi APIs. DPDP Act compliant. Production roadmap: Llama 70B on E2E Networks.
सिर्फ Klariqo नहीं
The Whole Ecosystem.
Samadhaan Portal
Output matches exact filing fields
MSMED Act Section 15-16
Interest calculation built on statutory provisions
TReDS Awareness
AI informs MSME if buyer should be on TReDS
Udyam Integration
Validates registration numbers
Bharatiye Bhashayein (Sarvam)
First response latency
Always available
Built for Bharat.
Voice-first. Hindi-first. Justice-first. An AI that speaks the language of the people it serves.