14–15 October 2026 | Grand Hyatt, Mumbai
SamvAAd 2026, powered by Ignosis AI, marked a significant milestone as Sahamati hosted its first edition of the flagship India Open Finance Summit since its recognition as the Self-Regulatory Organisation for the Account Aggregator (SRO-AA) ecosystem by the Reserve Bank of India (RBI).
Held on 14–15 October 2026 at the Grand Hyatt, Mumbai, the two-day summit brought together 1000+ attendees, including policymakers, regulators, financial institutions, fintech innovators, technology providers and ecosystem leaders, to deliberate on the future of India’s Account Aggregator (AA) and open finance ecosystem.
The summit commenced on 14 October with closed-door, invite-only roundtables, facilitating focused discussions on critical ecosystem priorities, cross-border interoperability, financial well-being and the evolving role of trusted data infrastructure. 15 October marked the main conference day, featuring distinguished keynote addresses, plenary sessions, thematic discussions, live demonstrations, ecosystem showcases and innovation-led initiatives.
Centred on the overarching theme “What’s Next in Open Finance: Smarter Risk. Wider Inclusion. Intelligent Innovation”, SamvAAd 2026 explored three key tracks: Transforming Risk with Trusted Data; Unlocking Financial Inclusion through AA; and Powering the Next Wave of Financial Innovation with AI.
The summit was honoured by the presence of distinguished leaders, including Shri Kesavan Ramachandran, Executive Director, RBI; Shri Tuhin Kanta Pandey, Chairman, SEBI; Shri Ajay Seth, Chairman, IRDAI; Shri Sivasubramanian Ramann, Chairperson, PFRDA; Shri Nandan Nilekani, Co-founder and Chairman, Infosys, and Founding Chairman, UIDAI (Aadhaar); Shri R. Gandhi, Chairman, Sahamati and Former Deputy Governor, RBI; and Smt Monika Halan, Author and Financial Educator.
The summit also provided a platform for advancing ecosystem innovation and recognising excellence through initiatives such as the Unified Dashboard of Consumer Consents, the Account Aggregator Certified Professional (AACP) initiative, the AA Ecosystem Excellence Awards and the Financial Services Innovation Challenge.
The summit was supported by Ignosis AI as Title Partner and Google Cloud as Agentic AI Partner, alongside Silver Partners CRED, Tata Capital, CAMS Finserv, NPCI Bharat BillPay Limited (NBBL), Aditya Birla Capital Digital and AQM Technologies. IIMA Ventures joined as Innovation Challenge Partner, with support from knowledge, SRO and ecosystem partners, including IIITD Innovation & Incubation Center, Accion, Sa-Dhan, NUCFDC, IIA, Digital Fifth, FACE, FIDC, UFF and NSRCEL.
SamvAAd 2026 reinforced a shared vision for the next chapter of India’s open finance journey, moving beyond network scale and adoption towards measurable impact, greater financial inclusion, intelligent innovation and stronger consumer empowerment through trusted, consent-based data sharing.
Explore the event proceedings and key sessions from SamvAAd 2026, 15th October 2026, below.
Keynote |
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| 9:30 am – 9:40 am | Welcome to SamvAAd 2026 Shri R Gandhi, Former Deputy Governor, Reserve Bank of India (RBI), Chairman, Sahamati Shri BG Mahesh, CEO, Sahamati |
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| 9:40 am – 9:45 am | The Unified Dashboard of Consumer Consents Demo by Sahamati |
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| 9:45 am – 10:00 am | Event Inauguration with Lamp Lighting | ||
| 10:00 am – 10:30 am | Inaugural Keynote by Esteemed Guest of Honour Shri Kesavan Ramachandran, Executive Director, Reserve Bank of India (RBI) |
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| 10:30 am – 10:40 am | Measuring India’s Data Empowerment Dividend: AA Framework’s Impact on Credit, Growth and GDP Report by Sahamati, CRIF |
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| 10:40 am – 11:00 am | Address Shri Nandan Nilekani, Co-Founder & Chairman, Infosys, and Founding Chairman UIDAI (Aadhaar) |
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| 11:00 am – 11:10 am | Launch of the Account Aggregator Consumer Campaign by Shri Nandan Nilekani, Co-Founder & Chairman, Infosys, and Founding Chairman UIDAI (Aadhaar) |
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| 11:10 am – 11:20 am | Launch of the Account Aggregator Certified Professional (AACP) India’s industry certification for Account Aggregator and Open Finance professionals, in collaboration with Accion Pawan Bakshi, India Lead, Inclusive Financial Systems, Gates Foundation |
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| 11:20 am – 11:55 am | Plenary Fireside Chat: Shaping the Future of India’s Financial Ecosystem: Trust, Inclusion and Consumer Empowerment Shri Ajay Seth, Chairman, Insurance Regulatory and Development Authority of India (IRDAI) Smt Monika Halan, Author and Financial Educator |
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| 11:55 am – 12:15 pm | Plenary Address: From Financial Inclusion to Financial Well-being: Building a Financially Healthy India Shri Sivasubramanian Ramann, Chairperson, Pension Fund Regulatory and Development Authority (PFRDA) |
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| 12:15 pm – 12:25 pm | Founder’s Perspective: From Open Finance to Intelligent Finance Nirav Prajapati, Co-Founder and CEO, Ignosis AI |
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| 12:25 pm – 12:45 pm | Plenary Address Shri Tuhin Kanta Pandey, Chairman, Securities and Exchange Board of India (SEBI) | ||
| 12:45 pm – 1:15 pm | The Account Aggregator Excellence Awards 2026 Honoring the Leaders and Innovators Shaping India’s AA ecosystem |
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| 1:15 pm – 2:00 pm | LUNCH | ||
Track 1 : Transforming Risk with Trusted Data |
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| 2:00 pm – 2:10 pm | Track Keynote address on Transforming Risk with Trusted Data |
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| 2:10 pm – 2:50 pm | Panel Discussion on Fit for Purpose: Reimagining Income & Suitability Assessment for Responsible Finance Susmit Patodia, Group Head, Dezerv Fakhri Sarjan, Chief Risk Officer, Bajaj Finance Girish Sehgal, Chief Health Underwriting and Claims, Customer Service and Operations, ICICI Lombard General Insurance Srikanth Rajagopalan, CEO – Perfios Account Aggregation Services |
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| 2:50 pm – 3:00 pm | Credit in Minutes: Turning GST and cash-flow data into MSME credit decisions | ||
| 3:00 pm – 3:40 pm | Panel Discussion on The Trust Layer: Reimagining Data Governance for Open Finance |
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| 3:40 pm – 3:50 pm | From Buying to Underwriting: Faster, simpler insurance with AA and AI agents | ||
| 3:50 pm – 4:30 pm | Panel Discussion on From Data to Defense: Leveraging data for Intelligent Fraud risk Management Gaurav Gupta, Group Head, Financial Crime Intelligence Kamal Bhatia, Chief Risk Officer, Tata Capital Jatin Varshney, Head – New Business Operations, Underwriting & Claims, Aditya Birla Sun Life Insurance Venkatesh Krishnamoorti, Founder & Managing Director – SAAFE |
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| 4:30 pm – 4:40 pm | Rails and Rules: SahamatiNet and the Guardrails Behind the AA Ecosystem | ||
| 4:40 pm – 5:00 pm | Account Aggregator — Unlocking Risk Intelligence and Financial Inclusion Through Data | ||
| 5:00 pm – 5:10 pm | Lending to Informal MSMEs — Using AA data to strengthen underwriting and
repayment Pramod Rao, Lawyer, Strategic Advisor, Mentor, Former Executive Director, SEBI Mathew Chacko, Partner, Spice Route Legal |
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| 5:10 pm – 5:20 pm | Beyond the Credit Score: Cash flow and investment data to unlock credit for NTC borrowers | ||
Track 2: Unlocking Financial Inclusion through AA |
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| 2:00 pm – 2:10 pm | Building Financial Systems That Leave No One Behind Pawan Bakshi, India Lead, Inclusive Financial Systems, Gates Foundation |
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| 2:10 pm – 2:50 pm | Panel Discussion on
From Collateral to Cash Flow: Reimagining MSME Credit Risk with Open Finance Girish Sankar Krishnamoorthy, Chief Strategy Officer & Business Head, CAMS Finserv Dr Ravi Modani, Founder & CEO, 121 Finance Manish Agarwal, Business Head – Kotak 811, Kotak Mahindra Bank Limited Ritesh Jain, Co-Founder, Flexi Loans |
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| 2:50 pm – 3:00 pm | Consent Simplified: Showcase of Voice Based Journeys in the Account Aggregator Framework |
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| 3:00 pm – 3:10 pm | Credit for Blue-Collar Workers: Bringing India’s industrial workforce into formal credit via AA |
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| 3:10 pm – 3:50 pm | Panel Discussion on Reimagining Financial Management for Businesses Chandrakant Salunkhe, Founder & President, SME Chamber of India and Manufacturers and Exporters Association of India Niraj Hutheesing, Founder & MD, Cygnet.One Alok Kumbhat, Director of Data and Strategy, Dun & Bradstreet India Bertram D’souza, Co-Founder & CEO- India, GrowX Global |
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| 3:50 pm – 4:00 pm | AA-powered Interoperable Bank Statements at BC points | ||
| 4:00 pm – 4:40 pm | Panel Discussion on DPI for women: Why designing for women is redefining the future of financial services Priya Naik, Founder & Director, Samhita Victoria White, Managing Director, Accion Advisory Shallu Kaushik, Chief Digital Officer, Tata Capital Nidhi Bhasin, CEO, Digital Green India Deepti Bhaskaran, Editor, Mint Money |
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| 4:40 pm – 4:50 pm | AArohi: Her Money. Her Future. Helping her claim, track and grow her money |
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| 4:50 pm – 5:00 pm | Governance in Open Finance: Building Trust by Design | ||
| 5:00 pm – 5:10 pm | A Financial Identity for Gig Workers: Building richer financial profiles for India’s gig workforce | ||
Track 3: Powering the Next Wave of Financial Innovation with AI |
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| 2:00 pm – 2:10 pm | Track Keynote address A Billion Decisions, Zero Tokens: Rethinking AI Economics in Fintech |
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| 2:10 pm – 2:20 pm | How Financial institutions can deploy a ready-to-use AI Agents Platform | ||
| 2:20 pm – 2:50 pm | Securing the Autonomous Frontier: Cryptography, Machine Identity, and Agentic Defense in Indian FSI | ||
| 2:50 pm – 3:05 pm | Enabling AI Agents in Open Finance Frameworks with guardrails | ||
| 3:05 pm – 3:15 pm | One Window to Sahamati: Your Ecosystem Journey, Simplified | ||
| 3:15 pm – 3:45 pm | The Future of UX in Open Finance in the Age of AI | ||
| 3:45 pm – 4:00 pm | AI Models in Trusted Execution Environments (TEEs): How Confidential Computing can strengthen Privacy in Open Finance Frameworks | ||
| 4:00 pm – 4:40 pm | Panel Discussion on What Privacy Must Mean in the Next Decade | ||
| 4:40 pm – 4:50 pm | How to optimize usage across AI Models through a single AI Gateway | ||
| 4:50 pm – 5:00 pm | Reinventing Collections with AI: Smarter, compliant collections at scale | ||
| 5:00 pm – 5:10 pm | The Sustainability Score for Individuals: Turning AA transaction data into green consumer finance | ||