AI Adoption Across Leading Indian NBFCs
Get access to our whitepaper on AI adoption across leading Indian NBFCs and understand what separates tactical experimentation from enterprise-grade transformation.
AI adoption is now common across the NBFC sector. The focus has shifted toward how organizations operationalize AI across the enterprise and translate it into measurable business outcomes.
To study how leading firms are approaching this transition, Indexnine partnered with Parijat Garg, a fintech and credit risk specialist with more than 20 years of experience in lending and financial services. As a former SVP at CRIF, he has worked on lending products, credit model optimization, and growth strategy for NBFCs.
Together, we benchmarked AI maturity across leading Indian NBFCs, including Bajaj Finance, L&T Finance, and Tata Capital. The research examines the architectures, technology decisions, deployment approaches, and operational models shaping AI adoption across the sector.
Key Findings from the Market Scan
- AI adoption is broad, but maturity varies significantly across functions. Underwriting and collections are currently the most operationally mature use cases.
- The industry is moving away from isolated pilots toward centralized, enterprise-wide AI platforms.
- Generative AI initiatives are increasing, although most implementations remain exploratory.
- Governance, explainability, and oversight are becoming core operational requirements, not compliance afterthoughts.
What You’ll Learn from the Whitepaper
- Strategic benchmarking: Understand where your organization sits on the AI maturity curve, from foundational enablement to enterprise-scale intelligence.
- Measurable business outcomes: See how leading Indian NBFCs are improving credit costs by 15-20 bps, reducing underwriting turnaround time from 6 hours to under 30 minutes, and achieving recovery success rates of up to 50% through AI-led voice automation.
- Strategic Technology Choices: Learn exactly when to build proprietary machine learning models in-house and when to integrate partner platforms to maximize your engineering ROI.
Turn Experimentation Into Repeatable Value
The whitepaper outlines how leading Indian NBFCs are approaching AI transformation. Indexnine helps organizations translate that direction into a structured execution roadmap.
Many AI programs struggle because initiatives begin without clear prioritization, governance, or alignment to measurable business outcomes. We help teams evaluate opportunities, prioritize high-impact use cases, define governance frameworks, and sequence investments with operational constraints in mind.
Our embedded AI-native nano pods work alongside business and engineering teams to execute the roadmap and operationalize AI initiatives across the enterprise.
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