The Base Rate - State of Indian Fintech: Capital, Regulation & the Next Cycle
If you are building a fintech company in India right now, you already know the funding cycle has reset. The investors who moved fast in 2021 are moving carefully in 2026. The RBI has an opinion about your product. And the next capital conversation you have will be nothing like the last one.
The Base Rate is a closed-door room where fintech founders and the investors actively backing them get one honest conversation about where the market actually stands — what capital is available, what regulation is doing to the stack, and what the next cycle looks like for the companies being built right now.
What we will cover
What investors are actually funding in Indian fintech right now and what they have quietly stopped backing
The RBI in 2026- what founders building on credit, payments, and lending infrastructure need to understand before their next round
Beyond UPI - where the next infrastructure opportunity sits, and which founders are already positioned to capture it
The valuation reset - what it means for founders raising now and how to position a round in a market that has repriced
What institutional investors need to see in 2026 that they did not require in the last cycle- directly from the people making those decisions
The room
Fintech founders at Series A through C alongside the VC and growth equity funds actively deploying in the sector. Private banks, NBFCs, and corporate venture arms who are watching- and in some cases backing- the companies in the room.
No panels. No keynotes. No pitch format. Founders speak as equals, not as supplicants. Investors speak candidly, not in investor-relations language. That is the only version of this conversation worth having.
Room 1 of the TCR Financial Services Roundtable Series - 12 rooms across FY2026–27. The Base Rate sets the foundation.
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