Divya Agarwal
Bangalore (Karnataka) [India], June 12: PayRupik, which is a part of Sayyam Investments Private Limited, won the prestigious “Excellence in Scalable Digital Lending” award at the World Fintech Summit 2026. With this latest accolade, PayRupik became the recipient of its second major industry award in two consecutive quarters.
At the World Fintech Summit 2026, PayRupik also acted as the Instant Credit Partner, participating in discussions regarding the role played by technology in providing easy access to credits while ensuring responsible lending practices. The summit featured discussions on how India’s digital lending system is developing along with improved data systems and inclusive lending models.
Strengthening the discussion on credit accessibility
Another major component of PayRupik’s participation involved its presentation during the panel discussion “NBFC Innovation: Technology and Credit Accessibility”. Govind Kumar, Chief Technology Officer at Sayyam Investments Private Limited, gave his inputs on how alternative data can be leveraged to better refine underwriting mechanisms for customers that lack creditworthiness from the traditional perspective.
In particular, the discussion touched upon the growing use of transaction SMS analytics, behaviour in paying utilities, Account Aggregator solutions, GST-related business activity data, information about devices, and banking statements as ways for lenders to gain better insights into the behaviour of their customers.
“Alternative data is gradually helping the industry move beyond conventional credit assessment models and build a more contextual understanding of customer behaviour. The larger opportunity lies in balancing financial accessibility with responsible underwriting, transparency, and long-term customer trust,” stated Govind Kumar, CTO, Sayyam Investments Private Limited.
The discussion showed how behavioural and transactional insights could enable the assessment of both the intention and capability to repay. For the digital lending market and NBFCs specifically, such a development is becoming increasingly relevant and crucial.
Towards creating the future of responsible finance
In one of the key events hosted as part of the summit programme, Maaz Ahmed, Senior Product Manager at Sayyam Investments Private Limited, spoke on the topic “Building the Future of Responsible Finance.”
The key focus of the keynote was on the way India’s digital public infrastructure and tools like UPI and digital onboarding are contributing to increased financial accessibility. There were some highlights about the increasingly important presence of fintech firms in newer fields like health financing, BBPS-enabled transactions, and co-lending platforms.
Some interesting talks held during the summit were about the ability of NBFCs to provide more financial accessibility through better engagement models using artificial intelligence, multi-language support, and digitalised loan processes.
PayRupik’s Expanding Portfolio of Digital Loans
Sayyam Investments Private Limited currently manages an investment portfolio worth over ₹1,500 crore, having provided loans to over 20 million customers through their digital finance service portfolio.
Through their PayRupik product, the company has set out to offer their customers secure and easy loans for consumer purposes, which have evolved over time to become more complicated. Attendance at the World Fintech Summit 2026 is in line with this business strategy.
Sayyam Investments Private Limited – An Introduction
Sayyam Investments Private Limited is one such technology-based firm in the financial services industry offering innovative ways of obtaining loans through digitized lending in India.
The company leverages its digitized lending product known as ‘PayRupik’ to offer quick and secure borrowing opportunities.
Learn More:
PayRupik: www.payrupikloan.in
Sayyam Investments: www.sayyaminvestments.in
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