The India FinTech Diaries

India Fintech Diaries is a bi-weekly (ish) podcast that peeks at the fast, “wild-west” world of Fintechs in India. The world’s most populous democracy is at the cusp of massive technological and demographic change that will forever change the way we relate to financial services and their providers. In each episode, your hosts Hemant Kshirsagar and Elroy Serrao, demystify the world of Fintech for you by exploring ideas, innovations, startups and the personalities that are shaping India’s Fintech Landscape. Join them for a wild ride into the world of Indian Fintech!!!

The India FinTech Diaries is a business podcast hosted by Hemant Kshirsagar & Elroy Serrao, with 102 episodes on record and a Required Pod Score of 82. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Hemant Kshirsagar & Elroy Serrao hosts The India FinTech Diaries, a business show with 102 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #89

  EP089 - InsurTech - In conversation with Shilpa Arora, COO & Co-Founder, Insurance Samadhan

  Jun 21, 202637 min

  Most Indians buy insurance with a simple expectation: pay premiums today and receive support when a crisis strikes. But what happens when a claim gets delayed, partially settled, or rejected altogether? In this episode of India FinTech Diaries , we speak with Shilpa Arora , Co-founder & COO of Insurance Samadhan , one of India's largest insurance grievance redressal platforms. Shilpa shares a sobering reality: for many policyholders, the real challenge isn't buying insurance—it's successfully navigating the claims process. From mis-selling and hidden exclusions to complex grievance mechanisms and claim rejections, the conversation reveals why thousands of policyholders struggle to access benefits they believed they had already paid for. Connect with Insurance Samadhan ⁠Website⁠ : https://www.insurancesamadhan.com/ ⁠X⁠ : https://x.com/InsuranceSamad1 ⁠LinkedIn⁠ : https://www.linkedin.com/company/insurancesamadhan

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  Episode #88

  EP088 - In conversation with Anand Balaji, CEO & Co-Founder, XFlow

  May 17, 202641 minS0

  <p>Despite instant UPI payments, real-time notifications, and API-first financial infrastructure becoming normal in India, cross-border payments remain surprisingly broken for many exporters and global-first businesses.</p><p>In this episode of India FinTech Diaries, we sit down with Anand Balaji, CEO & Co-founder of Xflow, to unpack why international money movement is still plagued by opacity, delays, compliance friction, and fragmented infrastructure.</p><p>Anand takes us deep into the architecture of modern cross-border payments—from SWIFT and correspondent banking to compliance engines, FX intelligence, and programmable treasury infrastructure.</p><p>The core argument is simple but powerful:</p><p>Cr...

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  Episode #87

  EP087 - In conversation with Vineet Agrawal, Co-Founder, Jiraaf

  Apr 14, 202630 minS0

  <p>In this episode of India FinTech Diaries, we explore a quietly emerging shift in India’s investment landscape: the rise of fixed income as a retail asset class.</p><p>While equities and mutual funds have become mainstream, fixed income—despite offering predictable returns and portfolio stability—has remained largely inaccessible to individual investors.</p><p>To unpack this, we speak with Vineet Agarwal, Co-founder of Jiraaf, a platform focused on democratizing access to fixed income investments.</p><p>The core idea is simple but powerful: enable retail investors to do what institutions and family offices have been doing for de...

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  Episode #86

  EP086 - In conversation with Ananth Shroff, Founder and CEO, DPDzero

  Mar 27, 202642 minS0

  <p>In this episode of India FinTech Diaries, we dive into one of the most under-discussed—but critical—layers of the lending stack: debt collections.</p><p>As digital lending in India scales rapidly, especially in unsecured credit, the stress is increasingly showing up not in underwriting—but in collections. Traditional systems, built for a low-volume, high-touch world, are now struggling to keep up with instant disbursals and millions of borrowers.</p><p>To unpack this shift, we speak with Ananth Shroff, Co-founder & CEO of DPDzero, who is reimagining collections as a full-stack, AI-driven infrastructure problem rather than an operational aftert...

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  Episode #85

  EP085 - In conversation with Venkat Srinivasan, Chief Analytics and Risk Officer at Bureau

  Jan 9, 202641 minS0

  <p>In this episode of India FinTech Diaries, we unpack one of the most urgent challenges facing digital finance today: fraud at scale. With cybercrime cases in India crossing 36 lakh in 2024 and losses exceeding ₹22,000 crore, fraud is no longer an edge case—it’s a systemic risk.</p><p>To decode how fraud has evolved and what institutions must do next, we speak with Venkat Srinivasan, Chief Analytics and Risk Officer at Bureau.</p><p>Venkat explains why modern fraud is no longer about fake documents or isolated bad actors. Instead, it’s coordinated, networked, and industrialized—powered by mule accounts...

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