Build 'RatePilot'—an AI-driven FD optimization and switching platform. The platform would: 1) **Crawl 50+ Banks’ Rates** daily using webhooks (e.g., 'Bandhan Bank: 7.95%'); 2) **Predict RBI Moves** using sentiment analysis of RBI speeches (e.g., 'Rate hike probability: 30%'); 3) **Auto-Switch FDs** via API integrations with banks (e.g., 'Move ₹50K from SBI to Bandhan—save ₹350/year'); 4) **Tax Optimizer** showing TDS implications (e.g., 'Your FD interest exceeds ₹40K—opt for Form 15G'). Pricing: ₹99/month for individuals, ₹999/month for HNIs (with tax optimization).

90% of India’s 45 crore bank customers lack tools to optimize FD rates across banks. Current solutions (e.g., BankBazaar, Paisabazaar) are aggregators—not AI-driven optimizers. The cost of inaction: ₹5,000/year lost per customer (e.g., '7.25% vs. 7.95% on ₹1L = ₹700/year').