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The India FinTech Diaries

Hemant Kshirsagar & Elroy Serrao
Fintech
India
Financial Inclusion
UPI
Digital Public Infrastructure
Credit Access
Msmes
Cashfree
Digital Payments
Generative AI
PIX
Open Finance
Cross-Border Payments
Account Aggregator Framework
Digital Finance
E-Commerce
Financial Services
RBI
Brazil
Entrepreneurship

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 y... more

PublishesMonthlyEpisodes101Founded6 years ago
Number of ListenersCategories
EntrepreneurshipBusiness

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Artwork for The India FinTech Diaries

Latest Episodes

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.

In this episode of India FinTech... more

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.

While equities and mutual funds have become mainstream, fixed income—despite offering pr... more

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.

As digital lending in India scales rapidly, especially in unsecured credit, the stress is increasingly... more

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... more

Key Facts

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Recent Guests

Anand Balaji
CEO and Co-Founder of XFlow
XFlow
Episode: EP088 - In conversation with Anand Balaji, CEO & Co-Founder, XFlow
Vineet Agarwal
Co-founder of Jiraaf
Jiraaf
Episode: EP087 - In conversation with Vineet Agrawal, Co-Founder, Jiraaf
Ananth Shroff
Co-founder and CEO of DPDzero
DPDzero
Episode: EP086 - In conversation with Ananth Shroff, Founder and CEO, DPDzero
Venkat Srinivasan
Chief Analytics and Risk Officer at Bureau
Bureau
Episode: EP085 - In conversation with Venkat Srinivasan, Chief Analytics and Risk Officer at Bureau
Amit Majumdar
Group Chief Strategy Officer and Whole-time Director at Angel One
Angel One
Episode: EP084 - WealthTech - In conversation with Amit Majumdar, Group Strategy Officer, Angel One
Shweta Pandey
Co-founder and CEO of ARTH, a financial services company focused on women's MSMEs.
ARTH
Episode: EP082 - Lending - In conversation with Shweta Pandey, Co-founder and CEO, ARTH
Aishwary Gupta
Global Head of Payments at Polygon Labs
Polygon Labs
Episode: EP081 - Stablecoins - In conversation with CA Aishwary Gupta, Global Head of Payments - Polygon Labs
Sanjay Tripathy
Co-founder and CEO of Briskpe
Briskpe
Episode: EP080 - Cross-Border Payments - In conversation with Sanjay Tripathy, Co-founder & CEO, BRISKPE
Anand Prabhudesai
Co-founder of Turtlemint
Turtlemint
Episode: EP079 - InsurTech - In conversation with Anand Prabhudesai, Co-founder, Turtlemint

Hosts

Elroy Serrao
Co-host (and occasional host) focusing on India FinTech stories; long-time participant in the show's coverage of fintech evolution.
Hemant Kshirsagar
Co-host covering risk, analytics, and broader fintech developments; frequently drives conversations around governance and strategy.

Reviews

4.9 out of 5 stars from 65 ratings
  • Good Content, Delivery could be better

    Hi Both The content is great, but the delivery could be better. Try listening to a few other podcasts to understand how they explain the content to listeners. An example - Hemanth speaks so fast, without caring if listeners would be able to follow or not.

    Apple Podcasts
    4
    podcast_anony123
    India4 years ago
  • Good Content, Delivery could be better

    Hi Both

    The content is great, but the delivery could be better. Try listening to a few other podcasts to understand how they explain the content to listeners.

    An example - Hemanth speaks so fast, without caring if listeners would be able to follow or not.

    Apple Podcasts
    3
    podcast_anony123
    India5 years ago
  • Nuanced and Real world conversation

    Keep it up Hemant and Elroy, this is fantastic efforts from you. Thoroughly enjoying every episode. Keep making this with same level of focus on research and perspective led conversations.

    Apple Podcasts
    5
    Nyruj
    India5 years ago
  • Insightful

    Very insightful. Great job Hemant and Elroy. All the best

    Apple Podcasts
    5
    jjjkkllhgh
    India5 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Audiences appreciate the real-world applicability of discussed strategies and case studies.
Guests and topics are considered highly relevant for those tracking India's fintech evolution and regulatory context.
The show is valued for practical insights from founders and operators in Indian fintech.
Listeners praise research depth and perspective-led conversations, but some note pacing can be rapid.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

EP088 - In conversation with Anand Balaji, CEO & Co-Founder, XFlow
Q: What are the core components or modules under XFlow from an architectural standpoint?
The core is the money movement layer, analogous to a storage and compute layer like AWS; on top of that there is a product layer with FX, compliance, and fraud products, and a country expansion layer to service more geographies.
EP088 - In conversation with Anand Balaji, CEO & Co-Founder, XFlow
Q: Anand, how would you describe what the XFlow platform does in one line?
We want to simplify cross-border payments, especially B2B cross-border payments, by enabling exporters to receive payments from customers through local rails, with real-time visibility and predictable payout timing.
EP085 - In conversation with Venkat Srinivasan, Chief Analytics and Risk Officer at Bureau
Q: How do you think about compliance regarding regulatory and privacy frameworks?
Compliance should be seen as an integral part of risk management, guiding innovation while ensuring safety and adherence to regulations.
EP085 - In conversation with Venkat Srinivasan, Chief Analytics and Risk Officer at Bureau
Q: How can an institution protect against organized fraud?
It's important to implement strategic friction points in the user journey to deter fraudsters from proceeding with scams.
EP085 - In conversation with Venkat Srinivasan, Chief Analytics and Risk Officer at Bureau
Q: Venkat, could you give a layman's example for some of these terms?
In simpler terms, fraudsters can exploit multiple SIM cards with a few devices to appear as many individuals, which poses significant challenges for detection.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
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Age Range
Household Income
Social Media Reach

Frequently Asked Questions About The India FinTech Diaries

What is The India FinTech Diaries about and what kind of topics does it cover?

The show examines the rapid evolution of India's fintech scene through in-depth conversations with founders, operators, and risk/tech leaders. Episodes commonly cover topics like digital lending, risk and fraud, payments innovation, wealthTech, cross-border commerce, and regulatory shifts, all anchored in practical, on-the-ground India experiences. A standout pattern is the focus on customer experience, inclusion, and the intersection of technology with policy, making complex fintech dynamics accessible for professionals who want actionable insights and real-world examples.

Notable strengths include a hands-on, practitioner perspective, strong emphasis on regulatory context (RBI, UPI, CBDCs), and a track record of interviewing (co-)founder... more

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Which podcasts are similar to The India FinTech Diaries?

These podcasts share a similar audience with The India FinTech Diaries:

1. Daybreak
2. Finshots Daily
3. The Morning Brief
4. The Daily Brief

How many episodes of The India FinTech Diaries are there?

The India FinTech Diaries launched 6 years ago and published 101 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on The India FinTech Diaries?

Recent guests on The India FinTech Diaries include:

1. Anand Balaji
2. Vineet Agarwal
3. Ananth Shroff
4. Venkat Srinivasan
5. Amit Majumdar
6. Shweta Pandey
7. Aishwary Gupta
8. Sanjay Tripathy

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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