Writing on agentic AI for Indian enterprises.
Market thesis, regulatory context, philosophy of safe automation, and the India-specific reasoning behind everything Vihaya is building. Practical, opinionated, and written for the buyer side of the table.
- Market6 min read
Why now is the inflection point for agentic AI in Indian BFSI
Three forces — DPDP, the 2023 RBI outsourcing direction, and foundation-model maturity — converged in the last 18 months. The window for incumbents to move first is open and narrowing.
Read - Regulation7 min read
What changes after DPDP for enterprise AI
₹250 crore penalties don't just change the budget for a breach — they change which AI projects make it past the legal review. Walking through what DPDP makes harder, easier, and impossible.
Read - Industry5 min read
Where the manual cost in claim adjudication actually sits
The line-item every health insurance COO reads on a Monday morning. Reviewer hours per case, the appeal-rate tax, the documentation-shortfall denials. What gets cheaper, and what doesn't, when AI handles the front pass.
Read - Philosophy5 min read
Against 100% automation
Every AI vendor pitches it. Every responsible enterprise should refuse it. The case for confidence-floor escalation as a design constraint, not a quality-of-life feature.
Read - Regulation6 min read
What RBI examiners actually ask for when reviewing an AI decision
Pulled from public examiner notes, conversations with bank CISOs, and the language inside the 2023 Master Direction. The questions you have to be able to answer in 60 seconds without opening a model.
Read - India7 min read
Why India needs its own agentic stack
Distyl, Sierra, and Cresta are world-class. They're also priced and packaged for US enterprise buyers. The case for an India-headquartered alternative — not because it's nationalistic, but because the regulatory and economic context demands it.
Read
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