The Financial Backbone: SAATHI™ and the Artha of Phygital Transformation

How the Treasury Pillar is Making Future-Ready Education Accessible and Affordable

Written by ViSE

Published on 1 Feb 2026

Study Duration 4 Mins.

Category Economy & Startups (Udyog)

The journey toward a Platinum-certified Phygital Node requires more than just vision; it requires a robust economic engine. As schools face the 2026 shift toward digital-first standards, many struggle with the financial weight of infrastructure upgrades. SAATHI™ (The Treasury) is the financial service arm of the ViSE™ ecosystem, designed to ensure that the transition to NEP 2020 compliance is never hindered by a lack of liquidity.

In the Publika Phygital Society, we believe that institutional intelligence should be accessible to every school, regardless of their starting point. By integrating the FRQ (Financial/Economic Quotient) into our core metrics, we teach students and institutions alike how to master the Artha economy.

The SAATHI™ Service Suite

SAATHI™ acts as a single-window financial ecosystem, providing specialized products to support the school community:

Fee Financing for Parents: Ensuring that every child has access to a Phygital Gurukul through flexible payment options.
Evolution Loans for Schools: Providing the capital needed for campus upgrades, such as the installation of InfiniOX sensors or the construction of an Illuminati Lab.
Device & Hardware Insurance: Protecting the essential tools of the phygital era, from student tablets and laptops to AR/VR headsets.
Subscription Management: Facilitating the affordable annual pricing plans, ranging from Plan A (Essentials) at ₹199 to Plan C (Enterprise) at ₹599 per student.
Beyond Lending: Building Economic Literacy

SAATHI™ is not just a bank; it is a pedagogical tool that helps boost a student’s FRQ (Financial/Economic Quotient):

Resource Management: Students learn to track the economic value of their environment, including waste-to-energy projects in the ROW vertical.
Artha Economy Literacy: Curriculum integration that teaches the principles of social potency and resource sovereignty.
Social Health Integration: Understanding the link between financial stability and community cohesion (SHS).
Affordable, Scalable, and Future-Ready

The ViSE™ Assurance is built on the promise of being fair, clear, and future-ready. With a rationalized one-time setup fee starting at just ₹35,000 per school, SAATHI™ ensures that even mid-sized institutions can conduct their Saarthi 360° Readiness Audit and begin their roadmap to excellence. This financial framework turns the 2026 shift from a burden into a sustainable opportunity for growth.

ViSE

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Current educational systems are built on a "factory model" that treats students as raw materials and grades as quality control. ViSE (Vital Indicators for Society Evolution) is the "Soul-Metric" designed to replace the static report card. It functions as the Operating System for the Phygital Gurukul, measuring real-world evolution across eight core dimensions.