From Digitisation to Decision Infrastructure:The Growth Story of India’s Lending Tech Market
In a high-impact session at Bharat Fintech Summit 2026, Sameer broke down a powerful shift happening in India’s lending ecosystem — from digitisation to intelligent decision infrastructure.
- Here are the key takeaways
India’s lending tech market has grown from ₹500 crore to ₹5,000+ crore in under a decade — and we’re still early.
The real inefficiency isn’t in tech cost — it’s in manual onboarding, fragmented workflows, and static credit policies.
Spending ₹1 lakh to disburse a ₹8–10 lakh loan creates structural stress before risk even kicks in.
MSME, LAP, auto, and supply chain finance remain under-digitised — this is where the next wave of innovation will emerge.
Digitisation is not transformation. Real transformation means adaptive underwriting, lifecycle intelligence, embedded finance, and AI-led collections.
The next phase of growth will belong to institutions building intelligent decision engines – not just distribution channels.
- The message was clear:
India doesn’t lack credit demand. It needs scalable, cost-efficient, intelligent credit infrastructure.
