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Presents

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BFS2025 BFS2025 BFS2025

Highlights

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Workshops & Masterclasses

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Industry Report Launches

Report Launches

Re-imagining Home Loans

Unlocking Speed and Efficiency through Digital Transformation

Crafting the Future of Real-Time Payments

From Less-Cash to Cashless

Partnership Lending 2.0

Integrating Technology, Strategy, and Scale in India’s Credit Ecosystem

Speakers 2025

Shri Manish Bhardwaj, Deputy Director General , Unique Identification Authority of India (UIDAI) | Chief Guest at Bharat Fintech Summit

Chief Guest

Shri Manish Bhardwaj

Deputy Director General
Unique Identification Authority of India (UIDAI)

Dilip Asbe, Managing Director & CEO, National Payments Corporation Of India (NPCI) | Speaker at Bharat Fintech Summit

Dilip Asbe

Managing Director and Chief Executive Officer

National Payments Corporation of India (NPCI)

Dilip Asbe

Managing Director and Chief Executive Officer

National Payments Corporation of India (NPCI)

Rajeev Ahuja, Executive Director, RBL Bank | Speaker at Bharat Fintech Summit

Rajeev Ahuja

Executive Director

RBL Bank

Rajeev Ahuja

Executive Director

RBL Bank

Rajeev Ahuja is the Executive Director of RBL Bank and has over 35 years of experience in the financial services industry. He served as interim Managing Director & CEO of the Bank during the period from December 25, 2021, till June 23, 2022 (F/N).
Prior to joining RBL Bank, he was Managing Director – Investor Sales Business (South Asia) with Citigroup, India. He also had a 7-year stint as a Director in the Capital Markets and Investment Banking divisions of Bankers Trust/Deutsche Bank in Singapore and Hong Kong. He was also associated with Bank of America in his career journey.
Rajeev has been an integral part of RBL Bank’s transformation journey since his joining in 2010. He is responsible for building the overall strategy of the Bank while managing its Retail Banking, Transaction Banking and Financial Inclusion businesses. He is also responsible for the Bank’s capital raising, development of new businesses, partnerships and investor relations functions.

Shalini Warrier, Executive Director, Federal Bank | Speaker at Bharat Fintech Summit

Shalini Warrier

Co-founder & CEO

Gosree Finance Limited

Shalini Warrier

Co-founder & CEO

Gosree Finance Limited

Praveena Rai, Chief Operating Officer, National Payments Corporation Of India (NPCI) | Speaker at Bharat Fintech Summit

Praveena Rai

Managing Director, Chief Executive Officer

Multi Commodity Exchange of India

Praveena Rai

Managing Director, Chief Executive Officer

Multi Commodity Exchange of India

Pankaj Gadgil, MD & CEO, Aditya Birla Housing Finance Ltd | Speaker at Bharat Fintech Summit

Pankaj Gadgil

Managing Director and CEO

Aditya Birla Housing Finance

Pankaj Gadgil

Managing Director and CEO

Aditya Birla Housing Finance

Pankaj Gadgil is the Managing Director and CEO, Aditya Birla Housing Finance Limited and Head, Digital Platforms and Payments Strategy, Aditya Birla Capital.

Having joined the Aditya Birla Group in 2022, Pankaj has since been responsible for providing strategic direction to the housing finance company and building it as a material player in the industry. In addition, he has been driving the development of Aditya Birla Capital’s digital platform and strategy for its payments business. Pankaj has been instrumental in building the omnichannel D2C platform – ABCD, which offers a comprehensive suite of financial products and services, and digital payment solutions.

BG Mahesh, CEO, Sahamati | Speaker at Bharat Fintech Summit

BG Mahesh

CEO

Sahamati

BG Mahesh

CEO

Sahamati

Mahesh is passionate about building products to Bharat – the Real India. He did this for 2 decades with Indian languages in digital media & now with Account Aggregators to deliver data empowerment.
In 2019, Mahesh co-founded Sahamati, a Collective of the Account Aggregator ecosystem. AAs give individuals & corporates greater control over their data and are towards financial inclusion in India. In 2023 over 2.1 billion bank accounts have been AA-enabled.
Technocrat and an innovative thinker, Mahesh pioneered digital technologies in Indian languages way before the Digital India charter took shape. Mahesh founded Greynium Information Technologies Pvt Ltd a company that owns India’s largest multi-lingual portal, Oneindia.com.

Indraneel Pandit, Chief Digital Officer, Federal Bank | Speaker at Bharat Fintech Summit

Indraneel Pandit

Chief Digital Officer

Federal Bank

Indraneel Pandit

Chief Digital Officer

Federal Bank

Experienced leader with a demonstrated history of working in the banking industry. Strong professional skilled in Business Relationship Management, Applied Technology, Risk Management, Corporate Finance, and Banking.

Kamlesh Rao, MD & CEO, Aditya Birla Sunlife Insurance | Speaker at Bharat Fintech Summit

Kamlesh Rao

MD & CEO

Aditya Birla Sunlife Insurance

Kamlesh Rao

MD & CEO

Aditya Birla Sunlife Insurance

In a career spanning more than two decades, Kamlesh has been an integral part of the Banking & Financial Services industry. His portfolio includes driving & establishing businesses like Consumer Finance, Privilege Banking, and Capital markets. Key strengths include his strategic mindset along with entrepreneurial approach, teamed with an analytical bent of mind. His passion for numbers makes him an ace at his game. These strengths have been instrumental in making him a part of successful business stories such as K-Value, Big & Small ticket size personal loans, Home loan & Loans against property and launching the Privy League – privilege banking platform for Kotak Mahindra Bank.

D C Jain, IPS, Former Special Director, CBI | Speaker at Bharat Fintech Summit

D C Jain, IPS

Former Special Director

CBI

D C Jain, IPS

Former Special Director

CBI

Jiji Mammen, Executive Director and CEO, Sa-dhan | Speaker at Bharat Fintech Summit

Jiji Mammen

Executive Director & CEO

Sa-dhan

Jiji Mammen

Executive Director & CEO

Sa-dhan

Inderjit Camotra, MD & CEO, Unity Small Finance Bank | Speaker at Bharat Fintech Summit

Inderjit Camotra

MD & CEO

Unity Small Finance Bank

Inderjit Camotra

MD & CEO

Unity Small Finance Bank

Senior Banker with 28 years across Standard Chartered, ANZ and Citibank. Managing Director & CEO of Unity Small Finance Bank, India’s Digital First Bank.

Robust technical strengths shaped with a B.Tech from I.I.T. Delhi, followed by a M.B.A. from New York, have helped build a career in Lending to SMEs, MSMEs & Multi Nationals across America, Australia, and India.

Inderjit is a resource person for Digital Banking, eCommerce, Technology innovations in Banking and Blockchain. An ardent corporate speaker, connects passionately with Student Bodies across Management Institutes, Industry Conclaves and a familiar face at Symposiums and Seminars with a clarity of view on futuristic Banking & Digital innovation.

George John, Executive Director, ESAF Small Finance Bank | Speaker at Bharat Fintech Summit

George John

Executive Director

ESAF Small Finance Bank

George John

Executive Director

ESAF Small Finance Bank

Executive Director with nearly three decades of experience in Banking, Finance & Development, specializing in driving organizational transformation and growth.

His career spans from grassroots volunteer to whole time director, with a strong track record across various regions in India. As the Executive Director of ESAF Small Finance Bank, he continues to build on his leadership journey, focusing on strategic development and innovation.

In his previous role as Executive Vice President at ESAF Small Finance Bank, he was instrumental in its transformation, leading critical functions including IT, Operations, Finance, Treasury, Digital Banking, MIS, and Sustainable Banking. His efforts were key in expanding ESAF’s microfinance and development programs across southern, central, and eastern India.

Abhi Jeet, Director, Unique Identification Authority of India (UIDAI) | Speaker at Bharat Fintech Summit

Abhi Jeet

Director

Unique Identification Authority of India (UIDAI)

Abhi Jeet

Director

Unique Identification Authority of India (UIDAI)

Abhijit Singh, Group Head- BaaS, International Banking & Digital Ecosystem Banking | Speaker at Bharat Fintech Summit

Abhijit Singh

Group Head - Banking as a Service(BaaS), International Banking and Digital Ecosystem Banking

HDFC Bank

Abhijit Singh

Group Head - Banking as a Service(BaaS), International Banking and Digital Ecosystem Banking

HDFC Bank

Abhishek Kothari, CEO Pepper Money | Speaker at Bharat Fintech Summit

Abhishek Kothari

Founder | Chief Executive Officer

Fab Money

Abhishek Kothari

Founder | Chief Executive Officer

Fab Money

Aditya Joshi, Co-Founder, Pice | Speaker at Bharat Fintech Summit

Aditya Joshi

Co-Founder

Pice

Aditya Joshi

Co-Founder

Pice

Aditya Prasad, CEO & Co-Founder, 50fin | Speaker at Bharat Fintech Summit

Aditya Prasad

CEO & Co-Founder

50fin

Aditya Prasad

CEO & Co-Founder

50fin

Aisik Paul, Chief Technology Officer, Data Sutram | Speaker at Bharat Fintech Summit

Aisik Paul

Chief Technology Officer

Data Sutram

Aisik Paul

Chief Technology Officer

Data Sutram

Ajay Rajan, Country Head - Government, MNC & International Business, Transaction Banking & Knowledge Units, Yes Bank | Speaker at Bharat Fintech Summit

Ajay Rajan

Country Head - Government, MNC & International Business, Transaction Banking & Knowledge Units

Yes Bank

Ajay Rajan

Country Head - Government, MNC & International Business, Transaction Banking & Knowledge Units

Yes Bank

Mr. Ajay Rajan brings with him more than 25 years of corporate transaction banking experience. He is responsible for propelling Sales growth & Product development initiatives across all Transaction Banking products namely Cash Management, Capital Market & Custodial Services, Trade Finance & Supply Chain Finance, Foreign Exchange Services and Bullion Products) at YES Bank where he spearheads most of the Corporate Digital Innovation initiatives for the Bank and also manage partnerships with Fintechs & other Strategic Influencers. He is also responsible for policy framework management, operational risk and information risk management across his functions. He is a regular speaker at various national and international forums related to banking products, innovation & digital.
Prior to joining YES Bank, he was the Global Head of Fintech for Deutsche Bank. He brings with him strong networking abilities with a proven track record of client solutioning, product innovation and launching & managing businesses.
Mr. Ajay Rajan has completed his Bachelors of Commerce from Delhi University and has an MBA degree.

Ajay Ramasubramaniam, Founder & CEO, Startup Réseau | Speaker at Bharat Fintech Summit

Ajay Ramasubramaniam

Founder & CEO

Startup Réseau

Ajay Ramasubramaniam

Founder & CEO

Startup Réseau

Ajay Sahasrabuddhe , Chief Revenue Officer , Hero Fincorp | Speaker at Bharat Fintech Summit

Ajay Sahasrabuddhe

Chief Revenue Officer

Hero Fincorp

Ajay Sahasrabuddhe

Chief Revenue Officer

Hero Fincorp

Ajay Thomas John, Group Chief Digital Officer, Shriram Capital | Speaker at Bharat Fintech Summit

Ajay Thomas John

Group Chief Digital Officer (CDO)

Shriram Capital

Ajay Thomas John

Group Chief Digital Officer (CDO)

Shriram Capital

A passionate, result oriented professional with 20+ years of extensive experience in Digital Transformation, e-Business, Product/Program Management, Marketing, Business Development, Business Operations and Partner Management. Have hands on experience in effectively creating turnarounds in challenging business models and making them into profitable ventures. Leveraged entrepreneurial ability to overcome complex business challenges and garnered buy-in from stake holders to take high impact decisions. Skilled at managing and handling large teams, setting up channels, motivating and monitoring them.

Alok Kumar, Head of Engineering, Perfios | Speaker at Bharat Fintech Summit

Alok Kumar

Head of Engineering

Perfios

Alok Kumar

Head of Engineering

Perfios

Aman Singla, Head - Transaction Banking Group, CSB Bank | Speaker at Bharat Fintech Summit

Aman Singla

Head - Transaction Banking

AU Bank

Aman Singla

Head - Transaction Banking

AU Bank

Amarjit Singh Walia, Head Consumer and Commercial Card, ICICI Bank | Speaker at Bharat Fintech Summit

Amarjit Singh Walia

Head Consumer and Commercial Card

ICICI Bank

Amarjit Singh Walia

Head Consumer and Commercial Card

ICICI Bank

Amit Goel, Managing Partner & Founder, gAI ventures | Speaker at Bharat Fintech Summit

Amit Goel

Managing Partner & Founder

gAI ventures

Amit Goel

Managing Partner & Founder

gAI ventures

Amit Mandhanya, Executive Vice President- Partnership based lending, Northern Arc | Speaker at Bharat Fintech Summit

Amit Mandhanya

Executive Vice President- Partnership based Lending

Northern Arc

Amit Mandhanya, Executive Vice President- Partnership based lending, Northern Arc | Speaker at Bharat Fintech Summit
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Amit Mandhanya

Executive Vice President- Partnership based Lending

Northern Arc

Amit Pathak

Amit Pathak

Business Head, Personal Loans and Consumer Finance Business

Kotak Bank

Amit Pathak

Business Head, Personal Loans and Consumer Finance Business

Kotak Bank

Amod Choudhary, CMO, OneCard | Speaker at Bharat Fintech Summit

Amod Choudhary

CMO

OneCard

Amod Choudhary

CMO

OneCard

Anand Datta, Partner, Nexus Venture Partners | Speaker at Bharat Fintech Summit

Anand Datta

Partner

Nexus Venture Partners

Anand Datta

Partner

Nexus Venture Partners

Anand Ganu , National Lead, Bajaj Finserv | Speaker at Bharat Fintech Summit

Anand Ganu

National Lead

Bajaj Finserv

Anand Ganu

National Lead

Bajaj Finserv

Anil Jain, Chief Product & Delivery Office, iSG | Speaker at Bharat Fintech Summit

Anil Jain

Chief Product & Delivery Office

iSG

Anil Jain

Chief Product & Delivery Office

iSG

Anil Tembhe, CGM IT Infra, State Bank of India | Speaker at Bharat Fintech Summit

Anil Tembhe

CGM IT Infra

State Bank of India

Anil Tembhe, CGM IT Infra, State Bank of India | Speaker at Bharat Fintech Summit
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Anil Tembhe

CGM IT Infra

State Bank of India

Anjani Rathor, Chief Digital Officer at HDFC Bank | Speaker at Bharat Fintech Summit (BFS)

Anjani Rathor

Chief Digital Officer

HDFC Bank

Anjani Rathor

Chief Digital Officer

HDFC Bank

Ankit Agrawal, Vice President, Product, Knight Fintech | Speaker at Bharat Fintech Summit

Ankit Agrawal

Vice President, Product

Knight Fintech

Ankit Agrawal

Vice President, Product

Knight Fintech

Anup Agarwal, Co-Founder & CEO, Mintifi | Speaker at Bharat Fintech Summit

Anup Agarwal

Co-Founder & CEO

Mintifi

Anup Agarwal

Co-Founder & CEO

Mintifi

Anuradha Ramachandran, Managing Partner, Prana Ventures | Speaker at Bharat Fintech Summit (BFS)

Anuradha Ramachandran

Managing Partner

Prana Ventures

Anuradha Ramachandran

Managing Partner

Prana Ventures

Anuradha Ramachandran is Managing Partner at TCF. With more than 18 years of experience in investing, Anuradha will drive investments and portfolio management across different verticals we invest in.

Anuradha has rich experience spanning over 18 years and 4 years of M&A and corporate planning.

Anuradha is a high calibre investment professional having handled, development of strategy, investing, portfolio management and exits across various sectors like Fintech, Technology (consumer internet, retail tech, B2B platform), Life sciences, consumer products and financial services. She has experience in team building and profile building. Anuradha believes innovation and entrepreneurship can change the lives of millions of individuals and can create massive socio-economic shifts that can benefit a growing economy like India.

Arif Khan, Chief Information Officer, Razorpay | Speaker at Bharat Fintech Summit

Arif Khan

Chief Innovation Officer

Razorpay

Arif Khan

Chief Innovation Officer

Razorpay

Arun Pandey, Principal Partner Solution, Architect APAC -Cockroach Labs | Speaker at Bharat Fintech Summit

Arun Pandey

Principal Partner Solution Architect APAC

Cockroach Labs

Arun Pandey

Principal Partner Solution Architect APAC

Cockroach Labs

Arvind Kumar Singh, Business Head– Commercial Cards, IndusInd Bank | Speaker at Bharat Fintech Summit

Arvind Kumar Singh

Business Head– Commercial Cards

IndusInd Bank

Arvind Kumar Singh, Business Head– Commercial Cards, IndusInd Bank | Speaker at Bharat Fintech Summit
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Arvind Kumar Singh

Business Head– Commercial Cards

IndusInd Bank

Ashish Gopal Saxena, Chief Information & Digital Officer, Jana Small Finance Bank | Speaker at Bharat Fintech Summit

Ashish Gopal Saxena

Chief Information & Digital Officer

Jana Small Finance Bank

Ashish Gopal Saxena

Chief Information & Digital Officer

Jana Small Finance Bank

Ashish Goyal, Co-founder & CFO, Fibe | Speaker at Bharat Fintech Summit

Ashish Goyal

Co-Founder and Whole-Time Director

Fibe

Ashish Goyal

Co-Founder and Whole-Time Director

Fibe

Ashish Mehrotra, MD & CEO, Northern Arc Capital | Speaker at Bharat Fintech Summit

Ashish Mehrotra

MD & CEO

Northern Arc Capital

Ashish Mehrotra

MD & CEO

Northern Arc Capital

Business leader with 25 years of progressively senior experience across Retail & Commercial banking and Insurance. Have held senior CXO and Managing Director positions, and successfully built and managed large profit centres/businesses across various product lines and geographies in complex & hyper-competitive markets through credit and economic crisis, and delivered exemplary business results. Strategic build-out of new businesses and revenue streams. Led large teams of diverse employees, and built profitable growth franchises.

A strategic thinker with an analytical bent of mind, coupled with a strong execution bias and leadership skills, with a proven track record in building high growth franchises, Business transformation and delivering business results in complex and challenging environments. I have a strong understanding of the retail financial services marketplace and environment across countries in Asia-pacific and Middle East. I bring a high level of passion, energy, dedication, and integrity to the job.

Ashok Hariharan, Chief Executive Officer, IDfy | Speaker at Bharat Fintech Summit

Ashok Hariharan

Chief Executive Officer

IDfy

Ashok Hariharan

Chief Executive Officer

IDfy

Sponsors 2025

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Investor 2025

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Fintech & Digital Excellence Awards

Winners 2025

CTO - CIO of the Year in Banking
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1st

Vishal Singh

Suryoday Small Finance Bank

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2nd

Shiv Kumar Bhasin

Indusind Bank

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3rd

Zuzar Tinwalla

Standard Chartered Bank

Right Leaf
CTO - CIO of the Year in Fintech
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1st

Anirudh Bhardwaj

Recur Club

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2nd

Krishnendu Majumdar

Yubi

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3rd

Anurag Chaturvedi

M1xchange

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4th

Gaurav Duggal

Jio Platforms Limited

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5th

Srikanth Appana

Bajaj Auto Credit Limited

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Fintech Leader of the Year
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1st

Priyanka Kanwar

Falcon

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1st

Sundeep Mohindru

M1Xchange

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2nd

Suresh Sethi

Protean eGov Technologies Ltd.

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3rd

Akash Sinha

Cashfree Payments

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4th

Dr. Raj P Narayanam

Zaggle Prepaid Ocean Services Limited

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4th

Jaya Vaidhyanathan

BCT Digital

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Videos 2025

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