India’s credit infrastructure is entering its agentic era
By Bhavin Patel, Co-Founder & CEO, Vartis Platforms
India’s next credit revolution will not be built on more branches, bigger balance sheets, or even faster apps. It will be built on a more intelligent credit infrastructure. Every loan application, repayment, digital payment, and financial interaction generates valuable signals about a borrower’s financial behaviour. With over 20 billion UPI transactions processed in February 2026 alone, India has created one of the world’s most dynamic financial data ecosystems. The opportunity now lies not in generating extra data, but in transforming these signals into better credit decisions, stronger risk management, and wider access to responsible credit.
This is where India’s lending ecosystem is entering a new phase. After years of digitisation and process automation, the focus is now shifting to Agentic AI – intelligent systems that can orchestrate decisions and actions across the lending lifecycle. As the country’s credit infrastructure grows, lending is...
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