Event Overview

Perfios, India's leading B2B SaaS TechFin, was selected among six technology companies to present its AI breakthroughs directly to Prime Minister Narendra Modi at the Global Fintech Fest (GFF) 2026 in Mumbai. The showcase took place on September 8, 2026 and highlighted the launch of the company's Agentic AI Operating System, described as a smart, autonomous platform designed to evaluate credit using everyday real‑world data for rural citizens, micro‑, small‑ and medium‑enterprises (MSMEs) and young adults.

Key Claims and Reach

  • Perfios states that its technology underpins approximately 90 % of India’s digital loans and is used by more than 1,000 banks, NBFCs and fintech firms.
  • Its solutions are deployed in over 20 countries and enable faster, fairer credit access for more than 25 million businesses.
  • The firm processes about 8.2 billion data points annually for its client institutions.

Agentic AI Operating System – How It Works

The system employs autonomous AI agents that ingest everyday signals such as dairy‑collection payouts, milk‑yield history and UPI transaction records to construct credit profiles for rural borrowers. For MSMEs, the agents combine GST filings, trade data and banking information within seconds to identify eligibility for government funding schemes, including the Pradhan Mantri Mudra Yojana (PMMY) and the Pradhan Mantri Vishwakarma Yojana. For young individuals, the AI analyses earnings, savings and spending patterns to deliver personalized budgeting advice and investment recommendations.

Product Portfolio Presented at GFF 2026

From September 9‑11, 2026, Perfios will exhibit its “Agents You Can Bank On” portfolio at Booth i1, featuring eight specialised AI solutions:

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

Corporate Background

Founded in 2008, Perfios operates as a global B2B SaaS TechFin serving the BFSI sector in 20 countries. The company is headquartered in Bangalore and maintains worldwide offices. Its product suite comprises more than 75 products and platforms and over 500 APIs. Perfios delivers its technology to over 1,000 financial institutions, facilitating faster decision‑making and expanding credit access for its end‑customers.

Executive Quote

Nitin Chugh, Managing Director and Group CEO of Perfios, said that presenting the vision to Prime Minister Modi was an extraordinary honour and emphasized that the Agentic AI platform can transform lives across rural communities, MSMEs and “Young India” by turning everyday data into trusted credit profiles and delivering smarter financial services.