Reserve Bank Innovation Hub (RBIH)

Building public financial infrastructure is, at its heart, team work. Our strength comes from the people around our tables: engineers, domain experts, and problem-solvers who love turning complex challenges into simple solutions. When curious minds gather around work that touches millions of lives, the journey is genuinely fun and rewarding. We're delighted to welcome our newest colleagues to the team. They bring the energy, sharp minds, and fresh instincts that keep our work moving forward. Aashirvaad Kumar S | Abhishek Gouda | Darshan S | Inchara G R | Pushpa P. | Ravi Kalyani | Rhea Sinha | Ronak Parswanath | Sahil Maheshwari | Shivananda N Uppar #Innovation #TeamWork #Fintech #India #Careers #RBIH

𝗠𝗶𝘀𝘀𝗲𝗱 𝘁𝗵𝗲 𝗱𝗲𝗮𝗱𝗹𝗶𝗻𝗲? 𝗬𝗼𝘂’𝘃𝗲 𝗴𝗼𝘁 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝗰𝗵𝗮𝗻𝗰𝗲. Applications for the Multimodal AI Innovation (MMAI) Program are now open until 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟱, 𝟮𝟬𝟮𝟲. If your startup is building AI solutions for financial services, you now have a little more time to take your application forward and access an ecosystem designed to help you build, validate, and scale with real industry access. 𝗪𝗵𝗮𝘁 𝗺𝗮𝗸𝗲𝘀 𝘁𝗵𝗶𝘀 𝗽𝗿𝗼𝗴𝗿𝗮𝗺 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁? 🔹 MI-RA Lab Access at IIT Mandi for PoC development, model testing and validation 🔹 Expert mentorship across product, technology, GTM, growth, finance and fundraising 🔹 Real datasets and validation support to take solutions closer to deployment 🔹 Pilot enablement and ecosystem access with leading financial institutions 🔹 A structured 9-week journey designed to help you turn promising AI into real-world impact Whether you're working on Fraud & Identity, Credit & Underwriting, Agentic Banking, RegTech, Customer Experience, or Open Innovation, the MMAI Program gives you the ecosystem to build for problems that matter. 𝗧𝗵𝗲 𝗱𝗲𝗮𝗱𝗹𝗶𝗻𝗲 𝗵𝗮𝘀 𝗺𝗼𝘃𝗲𝗱. 𝗬𝗼𝘂𝗿 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝘆 𝗵𝗮𝘀 𝘁𝗼𝗼. Applications now close 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟱, 𝟮𝟬𝟮𝟲. Apply now: https://lnkd.in/dfZ8Q_77 IIT Mandi Dr Jitendra Singh Laxmidhar Behera Lokesh Boregowda Vishu Kumar Anurag Kumar India DST Ekta Kapoor Rajani Kushwaha Tanushri Sharma Amar Kumar Chandrasekhar Srivari Dr. Balvinder Singh M Balakrishnan Manivannan Muniyandi L Venkata Subramaniam Somjit Amrit Shubhajit Chowdhury Shyam Kumar Masakapalli Nitin Gupta Balamuralidhar P KB Rajendran Volga Verma Narendra Kumar Dhar Hitesh Sachdev Payal Gupta Amit Tadkod Mohan Rao Prof Santanu Choudhary Simos Evangelou Mohamed Ibrahim Mohideen Lennon Dhanaraj Vishnu Raj #MMAI #MultimodalAI #AI #Fintech #StartupIndia #ArtificialIntelligence #Innovation #IITMandi #ICICIBank #RBIH

Last call to apply for RBIH TechSprint 2026! If your fintech has a working product in fraud detection, transaction monitoring or account risk scoring, this is an opportunity to address a real banking challenge. Shortlisted fintechs will work with a partner bank’s EDD and fraud teams to strengthen Enhanced Due Diligence (EDD) for mule detection, using investigation workflows. Outcomes will be reviewed for potential integration into live EDD processes. Ready to take your solution closer to deployment? Know more and apply now: https://lnkd.in/d9wCicYh Abhishek Poddar | Revanth AR | Sahil Kini | Seema A Kulkarni, PhD #RBIHTechSprint #EnhancedDueDiligence #MuleDetection #FinTech #RBIH

Making MSME credit faster, simpler, and more inclusive begins with better access to trusted data. Our CEO, Mr. Sahil Kini, and Dr. Rajneesh, Additional Secretary & Development Commissioner, Office of Commissioner (MSME), signed an MoU in the presence of senior officials from the Ministry of Micro, Small and Medium Enterprises, Government of India, Reserve Bank of India (RBI) and RBIH. The collaboration will enable API-based data exchange through the Unified Lending Interface (ULI), making relevant digital information more easily accessible and reducing friction in the lending ecosystem. This will support more seamless, data-enabled credit journeys and greater financial inclusion for MSMEs. Abhishek Poddar | Arun Seethamraju | Naveen Yadav | Ritik Manker #MSME #ULI #DigitalPublicInfrastructure #FinancialInclusion #RBIH

What happens after a mule account is flagged? RBIH TechSprint 2026 is calling on fintechs to solve what follows. Before a bank can act, the alert must go through Enhanced Due Diligence (EDD). Today, multiple alert sources and manual, fragmented processes can make investigation and action difficult. The challenge: build an intelligent pre-EDD triage engine with unified digital EDD case management and enforcement that brings alerts together, prioritises cases for investigation, and manages them digitally from due diligence to action. Building a solution in fraud detection, transaction monitoring or account risk scoring that can integrate with a bank’s EDD and anti-money laundering systems? Bring your team and put it to work on a real banking use case. Shortlisted fintechs will work directly with partner bank EDD and fraud teams. Know more: https://lnkd.in/d9wCicYh Apply now: https://lnkd.in/dRNPsJ4t Abhishek Poddar | Sahil Kini| Seema A Kulkarni, PhD | Bandhan Bank | RBL Bank | UCO Bank | Union Bank of India #TechSprint #EnhancedDueDiligence #FraudDetection #FinTech #RBIH

Is your startup building a multimodal AI solution for financial services, or exploring an idea in the space? The Multimodal AI Innovation Program gives you the opportunity to take it forward, with access to banking expertise, research infrastructure and innovation support across six focus areas. Financial decisions are shaped by what customers submit, say, do and transact: documents, video KYC, voice conversations, digital behaviour and transaction history. Yet, most systems process this information in silos. Multimodal AI brings these inputs together to build a fuller picture before every decision. It can strengthen identity verification, inform credit decisions, make banking conversations context-aware, and help risk, compliance and customer teams respond with greater precision. Find your fit and apply now. 📅 Applications close: 28 August 2026 🔗 Know more: https://lnkd.in/dfZ8Q_77 Abhishek Poddar | Krishnapriya Venugopalan | Sahil Kini | IIT Mandi iHub and HCi Foundation | ICICI Bank #MultimodalAI #FinTech #FinancialServices #Startups #RBIH

EDD on mule accounts is often slow, manual and fragmented. We’re inviting fintechs to build an intelligent, end-to-end EDD solution that brings together alerts from multiple sources, de-duplicates and prioritises cases, enables digital investigation and approvals, and supports CBS-integrated freeze/unfreeze, escalation, audit trails and automated MIS. The goal: make #EDD faster to investigate and easier to act on. If you’re building in fraud detection, Anti-Money Laundering (AML), RegTech or case management, we want to see what you can build. Learn more: https://lnkd.in/d9wCicYh Apply here: https://lnkd.in/dRNPsJ4t Sahil Kini | Abhishek Poddar | Seema A Kulkarni, PhD | Revanth AR #FraudPrevention #AML #RegTech #FinTech #RBIH

Most AI agents can talk. Can yours actually transact? We want to hear from people building in Agentic Commerce, if you’ve completed a real transaction with an agent, experimented with MCPs or existing protocols, built a prototype, or tried something that taught you something valuable. Whether you’re a student, a startup, a developer, or a company, share what you’re building and what you’ve learnt. Selected startups will have the opportunity to pitch live to banks at our Bank-Fintech Showcase. Chosen independent developers and students will be featured in our upcoming national publication, with full credit for their work. Apply here: https://lnkd.in/ddF3ZYwt #AgenticAI #AgenticCommerce #AI #Fintech #RBIH