The 3rd edition of LendTechX 2025, hosted at Hotel Radisson Blu, Marol, Mumbai, has successfully concluded, bringing together industry leaders, innovators and financial experts to deliberate on the evolving landscape of lending in India.
The day-long conference, organised by Bharat Network Group (BNG), featured keynote insights, panel discussions, technical presentations, and an awards ceremony celebrating excellence in LendTech innovation.
The conference began with a welcome address by Dr. Anupam Gupta, Co-Founder and Director, BNG, who set the tone for the day by underlining the significance of collaborative growth in the financial ecosystem.
“LendTechX has always been a platform to connect innovators, lenders, and technology leaders. As we stand at the cusp of transformation in financial services, collaboration between NBFCs, banks, and FintTechs is no longer optional but a necessity,” he said.
Dr. Gupta also reiterated BNG’s commitment to fostering a Bharat-first vision in financial innovation and encouraged participants to engage in meaningful knowledge exchange throughout the sessions.
The first panel discussion, titled “Co-Lending Done Right: Collaboration or Chaos?” was moderated by Vivek Iyer, Partner, Financial Services Risk Advisory, Grant Thornton Bharat LLP. The discussion featured Ashok Mittal, MD & CEO, BillMart; Alok Pathak, Director & CEO, Sharp Finance; Anjan Dasgupta, MD, ASA International India Microfinance Pvt Ltd; Prasenjit Datta, CTO & CIO, Vivriti Capital; Prateek Garg, Chief Business Officer, Ambit Finvest; Manish Pandey, Zonal Head – Business & Collections, Muthoot Fincorp Ltd.; and Sushant Kumar, Head Collections and Resolutions, ICICI Home Finance.
The panel examined the RBI guidelines on co-lending, debated ownership of customers in default scenarios, and stressed the role of technology platforms and real-time APIs in driving transparency and scalability. A recurring theme was whether co-lending can expand meaningfully into sectors like MSMEs, agriculture and housing beyond traditional secured lending.
Following a networking break, the audience heard a technical presentation on cyber insurance by Kanishka Gadi, Director, Corporate Business, Edme Insurance Brokers, who highlighted the growing relevance of insurance in mitigating risks for financial institutions. This was followed by a presentation by Ravindra Katti, Founder & Director, TechPartner, who spoke about the role of technology adoption in strengthening lending operations.
The second panel of the day, “Data Privacy vs. Personalization in Lending”, was moderated by Vineet Sharma, Director – Business Development Financial Services, Leadsquared.
The panellists included Shirish Mishra, Head – Loan Management Systems, Piramal Finance Ltd.; Ravi Doshi, CEO, Mirae Asset Sharekhan Financial Services Ltd; Pravash Dash, Founder & CEO, Arthan Finance; Mohit Mairal, Risk Head, Vastu Finserve India; and Vikas Dhankhar, CTO, NeoGrowth Credit Pvt. Ltd. The speakers explored the balance between digital lending innovation and consumer privacy, reflecting on borrower “data fatigue,” compliance challenges, and the potential of privacy-preserving technologies such as federated learning and anonymisation to ensure responsible use of data.
After the networking lunch, the third panel discussion, “Credit Intelligence: The AI Advantage in Lending & Recovery”, was held under the moderation of Jatinder Mohan Singh Shah, CEO, Mantra Capital.
The session featured Sabyasachi Rath, Co-Founder & CEO, Purple Finance; Niraj Kaushik, Deputy CEO, Aye Finance; Deepak Goswami, CFO, NeoGrowth; and Chirag Jain, Head of Strategy, Kissht.
The panellists spoke about embedding AI across the lending lifecycle, the use of generative AI in KYC and document verification, transparency in AI models, and the risks of bias and exclusion if deployed irresponsibly.
The day continued with the fourth panel on “Customer Experience in Lending”, moderated by Dr. Kumaran Sampath, MD & CEO, Aegma Capital Services Pvt. Ltd. The discussion included Jasoda Gulliya, Chief Strategy Officer, Fynx Capital; Purvi Bhavsar, Co-Founder & MD, Pahal Financial Services; Sunaina Nagar, Deputy VP – Treasury, SRG Housing Finance; Ambika Ravi, CEO, Vayana Finserve; Anish Chowdhary, CBO & Founding Member, IBDIC; and Rohit Dube, Technology Program Leader, Piramal Finance. Speakers highlighted the impact of AI-driven personalisation on borrower trust, concerns over data misuse, the role of financial literacy in repayment behaviour, and how borrower sentiment influences long-term relationships.
The conference concluded with the LendTech X-Factor Award Ceremony, which recognised excellence and innovation in the lending and FinTech space.
The award winners, as listed below, were felicitated by the event’s organisers.
| CATEGORY | WINNER | |
| LENDTECH | BEST SUSTAINABILITY INITIATIVE IN LENDTECH | FORTUNE4 TECHNOLOGIES |
| LENDTECH | BEST LENDING CRM OF THE YEAR | LEADSQUARED |
| NBFC | BEST FINTECH COLLABORATION OF THE YEAR | EASILOAN TECHNO SOLUTIONS PRIVATE LIMITED |
| NBFC | BEST VEHICLE LEASING NBFC OF THE YEAR | QUIKLYZ BY MAHINDRA FINANCE |
| NBFC | BEST NEW PRODUCT INITIATIVE | FYNX CAPITAL LIMITED |
| INDIVIDUAL | Best IT Leader of the Year | SABYASACHI RATH, EXECUTIVE DIRECTOR & CEO, PURPLE FINANCE LIMITED |
| INDIVIDUAL | LIFETIME ACHIEVEMENT AWARD | JASHUBHAI PATEL, DIRECTOR, THE MALAPUR NAGARIK SAHAKARI BANK LTD |
| INDIVIDUAL | FINTECH LEADER OF THE YEAR | PRAMOD KATHURIA, CEO, EASILOAN TECHNO SOLUTIONS PRIVATE LIMITED |
| INDIVIDUAL | FINTECH CTO/CIO OF THE YEAR | PRASENJIT DATTA, CTO, CIO, VIVRITI CAPITAL |
| INDIVIDUAL | WOMEN LEADER OF THE YEAR | SUNAINA NAGAR, DEPUTY VP, SRG HOUSING FINANCE |
| INDIVIDUAL | DYNAMIC TECH LEADER OF THE YEAR | SHARAD AGARWAL, CTO & COO, UGRO CAPITAL |
| INDIVIDUAL | THE TRAILBLAZER OF THE YEAR | MANISH PANDEY, ZONAL BUSINESS HEAD, MUTHOOT FINCORP LTD |
| INDIVIDUAL | Innovative Leader of the Year | SUMIT KUMAR SINGH, CEO, MODERN INFORMATICS PVT LTD |
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