Overview

Perfios, India’s leading B2B SaaS TechFin, was chosen as one of six technology companies to present its artificial‑intelligence breakthroughs directly to Prime Minister Narendra Modi during the Global Fintech Fest (GFF) 2026 held in Mumbai from September 9‑11.

Core Announcement

The company unveiled its first Agentic AI Operating System – an autonomous, self‑learning platform that evaluates creditworthiness using everyday real‑world data such as dairy collection payouts, UPI transaction histories, GST filings and trade records. The system is positioned to expand formal loan access for underserved rural populations, micro‑small‑medium enterprises (MSMEs) and young adults across India.

Key Metrics

  • Perfios states that 90 % of India’s digital loans are powered by its technology.
  • More than 1,000 banks, NBFCs and fintech firms across over 20 countries rely on Perfios solutions.
  • The platform supports credit delivery to more than 25 million businesses.
  • Annually, Perfios delivers 8.2 billion data points to its client institutions, accelerating decisioning and credit access.

Use‑Case Illustrations

During the live interaction, Perfios demonstrated three pillar‑specific scenarios:

1. Rural India – A woman cattle‑grazer’s credit profile is built from daily dairy collection payouts and UPI transactions, enabling her to obtain a formal bank loan.

2. MSMEs – GST, trade and banking data are aggregated within seconds to help small shop owners locate and apply for government schemes such as PM Mudra (PMMY) and PM Vishwakarma.

3. Young India – The AI analyses earnings, savings and spending patterns to provide personalized budgeting advice and timely investment recommendations.

GFF Showcase Details

From September 9 to 11, Perfios will exhibit a portfolio titled “Agents You Can Bank On” at Booth i1, featuring eight specialized AI solutions covering the full financial services lifecycle:

  • Lending: CAM, Agentic Underwriting and Data Intelligence Bridge (DIB) for automated credit assessment and intelligent document processing.
  • Fraud & Compliance: Clari5 Genie and DPDP Suite to drive AI‑led fraud detection, AML investigations and compliance with India’s Digital Personal Data Protection Act.
  • Insurance: Agentic Distribution, Health Claims and Agentic PAS applying AI to onboarding, underwriting, claims handling and fraud intelligence.
  • Customer Service & Origination: CognifAI Assist, which blends AI voice assistance with secure visual co‑browsing to guide customers through complex service journeys.
  • Collections: Orca AI, a multi‑agent orchestration platform that determines optimal collection actions in real time while respecting defined compliance guardrails.

Company Background

Founded in 2008, Perfios operates as a global B2B SaaS TechFin serving the Banking, Financial Services and Insurance (BFSI) industry in 20 countries. The firm powers over 1,000 financial institutions with a suite of 75+ products and platforms and more than 500 APIs. Headquartered in Bangalore, Perfios delivers extensive data‑driven technology that enables faster, fairer access to credit and financial services for its clients’ customers.

Quotes

"Presenting our vision directly to Prime Minister Narendra Modi was an extraordinary honour for all of us at Perfios," said Nitin Chugh, Managing Director and Group CEO of Perfios. He highlighted the AI agents’ potential to transform credit delivery for rural women, small business owners and young adults across India.