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India · Banking
Agentic AI for banks in India
Indian banks, NBFCs and insurers serve huge customer bases at low cost, which makes AI agents especially valuable and especially risky. We help them deploy agents that meet RBI, SEBI and IRDAI expectations and the DPDP Act, on Indian cloud regions or on-premises.
Key facts
How can banks in India use AI agents safely?
Start with high-volume, rule-heavy work: onboarding paperwork, UPI and card fraud alerts, collections planning and customer grievances. Keep data in India, and have an officer approve every decision that affects a customer.
Updated October 2026
- Regulators
- RBI, SEBI, IRDAI, Cross-sector: see below
- Deployment options
- AWS Mumbai and Hyderabad, Azure Central, South and West India, Google Cloud Mumbai and Delhi, or on-premises
- First agents we build
- Onboarding and V-CIP preparation, UPI and card fraud triage, Collections within RBI conduct rules
- Controls on every agent
- Own identity and least-privilege access, human approval for material actions, full audit trail, prompt-injection testing
Where banks put agents to work first
Onboarding and V-CIP preparation
Pre-check documents and prepare the file before a video KYC session, so officers spend the call on verification.
Learn moreUPI and card fraud triage
Group related alerts, link likely mule accounts and draft the case for the fraud team.
Learn moreCollections within RBI conduct rules
Prioritise accounts and draft reminders that respect permitted calling hours and fair-practice rules, with an officer approving each plan.
Learn moreGrievance handling
Classify complaints, pull the account history and draft replies within the bank's turnaround times, before they reach the ombudsman.
Learn moreRegulatory returns
Gather the data for RBI returns, run consistency checks and flag gaps before submission.
Learn moreBranch and relationship manager assistants
Answer product and policy questions in Hindi, Tamil and other Indian languages, from the bank's own circulars.
Learn moreWho sets the rules in India
RBI
IT governance and cyber security directions, digital lending rules and the FREE-AI framework for responsible AI, published in August 2025.
SEBI
The Cybersecurity and Cyber Resilience Framework (CSCRF) for regulated entities.
IRDAI
Information and cyber security guidelines for insurers.
Cross-sector
The DPDP Act and DPDP Rules 2025, and CERT-In's 6-hour incident reporting directions.
Read our DPDP Act guide for AI agents →
42technology partners
5markets: Middle East, Africa, USA, India, Canada
17AI, data and security services
6ready accelerators
6 hrsreply time on every enquiry
Three ways to begin, with clear timelines
Agentic Discovery Sprint
Prioritised use cases, architecture options and a costed plan your board can approve.
- Workflow and data assessment
- Risk and regulation map for India
- Business case and roadmap
Accelerator Pilot
A governed agent in production on your data, with security and audit built in.
- Agents live in your systems
- Human approval and audit trail
- Handover or managed AgentOps
Not sure where you stand? Take the 2-minute AI agent risk scorecard →
Frequently asked questions
What is RBI's FREE-AI framework?
The Framework for Responsible and Ethical Enablement of AI, published by an RBI committee in August 2025. It sets out principles and recommendations for how regulated entities govern AI, including board-approved AI policies and audits.
Can agents work in Indian languages?
Yes. We build agents for English, Hindi, Tamil and other Indian languages, and test them with the bank's own customer conversations.
How do agents fit CERT-In's 6-hour rule?
Every agent action is logged and monitored, and incident runbooks cover AI-related incidents, so security teams can report within CERT-In's 6-hour window.
Enquire
Talk to our banking team about India
Get a free consultation from our AI, data and security specialists. Honest advice, clear options and a reply within 6 hours.
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