• 

  NILANJAN SINHA

  General Counsel, ICICI Bank
  Summit Chair

• 

  NILANJAN SINHA

  General Counsel, ICICI Bank
  Summit Chair

• 

  APARNA RAWAT

  Chief Legal Officer, L&T Finance

• 

  GARIMA NAHAR

  General Counsel, Chief Compliance Officer and Head of Secretarial, JioBlackRock Asset Management Company

• 

  GURANPREET SINGH SARNA

  Partner, Dhir & Dhir Associates

• 

  PARTHA BANERJEE

  Chief Compliance & Legal Officer, Bima Sugam India Federation

• 

  SHILPI JAISWAL

  General Counsel & CS, Ingenico

This panel explores how new laws, digital mandates, and ESG norms are reshaping Banking, NBFCs & Insurance, balancing regulation with growth in India’s BFSI sector.

• Banking Laws (Amendment) Act 2025 – governance safeguards, depositor protection, and systemic accountability.
• RBI’s Project Finance Directions 2025 – new capital allocation rules, exposure ceilings, and disclosure norms.
• SEBI Rules 2024 - How do enhanced IPO disclosure requirements and valuation rules affect corporate strategies for public offerings and investment governance?
• Digitization of Land Records - Title Check, Role of Tech, Ease of Investments and effect in the project financing transactions
• Governance AI and Synthetic Information – How should regulators address data generated through algorithms and AI, where accountability and ownership blur between creator, code, and consequence?
• AIF Investment Caps & NBFC Stress – restrictions on exposure to stressed funds, evergreening prevention, compliance costs, borrower protection, and implications of IBC reforms on NBFC resolution.
• IBC Amendment Bill 2025 – mandatory admission timelines, group insolvency, cross-border aspects, and fast-track processes.
• DRT & DRAT e-filing mandate – effectiveness of digitisation in clearing backlogs and improving resolution efficiency.
• FinTech SRO Recognition – with RBI officially recognising a FinTech SRO, is self-regulation an answer or a new grey zone?
• SEBI’s evolving LODR framework – has transaction structuring turned into a legal tightrope?
• Insurance Regulation Shifts – from Bima Sugam to principle-based norms, Use & File regime, relaxed commission caps—helpful or confusing for insurers navigating multiple disclosures and interpretations?
• Regulatory Philosophy in Flux – rule-based vs principle-based regulation: are we entering an era of trust or turbulence?

• 

  RAJIV MOHAPATRA

  Global Lead Legal Compliance, Mastercard

• 

  ASHISH LAKHTAKIA

  General Counsel, Chief - Regulatory Affairs & Company Secretary, Generali Central Insurance

• 

  SONAL VERMA

  Partner & Global Leader (Markets & Strategy), Dhir & Dhir Associates

• 

  VISHAL BHAVSAR

  Head ESG, Multiples Alternate Asset Management

• 

  JYOTI KRISHNAN

  General Counsel & Head – Liability Claims, Prudent Insurance Brokers Pvt Ltd.

As the BFSI sector embraces reform and innovation, this session explores how regulation, sustainability, and technology are redefining credit, coverage, and compliance.

• IRDAI’s Health Insurance Overhaul 2025 – 2-hour rule, PED moratorium, senior citizen premium caps.
• Insurance Laws Amendment Bill – 100% FDI and composite licences.
• Bima Sugam platform – benefits, risks of centralised digital distribution.
• Insurance repositories & e-policies – annual IT/cybersecurity audits, data governance under DPDPA.
• Digital claims – how innovation strains existing legal frameworks.
• ESG & Sustainable Finance – is RBI’s climate disclosure framework a wake-up call, and can sustainable finance gain traction without incentives or harmonised ESG metrics?
• The ESG–Data Nexus – balancing green lending goals with data integrity and disclosure fatigue.
• Social Sustainability in Credit – can inclusive lending & responsible finance be aligned with profitability?
• Are SEBI & RBI’s NBFC guidelines reshaping lending practices wrt FinTech–NBFC partnerships?
• Are NBFCs caught in a regulatory bottleneck – especially after FLDG and credit on UPI clarifications?
• Is the Banning of Unregulated Deposit Schemes Act enough to prevent Ponzi-like failures?
• Lending Service Providers (LSPs) compliance under Digital Lending norms while remaining competitive especially with prepayment penalties banned?
• With PAN and Account Aggregators central to underwriting, is credit scoring truly democratised - and can AI-driven lending stay fair and transparent?

• 

  KULIN DAVE

  Head - Legal and DPO, Paymentz - Payment Gateway Solutions

• 

  ANKITA CHOUDHARY

  Head - Contracts and Advisory - Legal, Nuvama Group

• 

  RAJAT SRIVASTAV

  General Counsel, Central Depository Services (India) Ltd. (CDSL)

• 

  SHRADHA VYAS

  Deputy Compliance Officer, CISO, Data Protection Expert, Munich Re India Branch

• 

  VIJAYADHEER VALUSA

  Chief General Manager (Legal), IDBI Bank

With DPDPA, digital rails, and AI lending reshaping Banking, NBFCs & Insurance, this panel examines how to balance compliance, innovation, and trust in a connected world.

• With DPDPA now a reality, how can banks plug data leaks and tech loopholes before they turn into liabilities—and where does this leave insurers juggling IoT data, underwriting models, and health disclosures?
• How does DPDPA reshape how financial institutions approach consumer data, analytics, and targeted offerings—and what does this mean for MSME credit access via Account Aggregators?
• KYC regimes and AML surveillance – how do we synergise between Banks, FinTech & Insurance, especially as the Account Aggregator ecosystem scales and compliance challenges mount?
• Compliances for insurance web-aggregators and penalties hence—how is tech redefining the “premium–claim” equation in a digital-first insurance market?
• Can India’s payments ecosystem really be interoperable, or are NPCI vs Visa/Mastercard wars holding it back—and how do cybersecurity obligations and PMLA compliance shape this battleground?
• Are we prepared for CBDCs and crypto together—or is one a regulatory mask for the other, especially as payment interoperability and digital asset governance collide?
• RBI’s Digital Lending Directions 2025 – FLDG caps, app registration, disclosures, lender liability—how are these reshaping the compliance perimeter for digital credit?
• TechFin vs FinTech – compliance challenges for non-traditional players in regulated finance, and how do they differ in navigating RBI, SEBI, and DPDPA expectations?
• AI-driven lending – fairness, explainability, regulator expectations—how can institutions balance innovation with legal defensibility?
• How can General Counsels prepare for the next data breach, ransomware threat, or regulator dawn raid—especially under DPDPA, PMLA, and sectoral cybersecurity mandates?

• 

  SAMIR HOSSAIN

  General Counsel, Aditya Birla Capital

• 

  ALOK KUMAR

  Managing Partner, THS - The Law Firm

• 

  M.K. RAJESH

  Head - Legal, National Bank for Financing Infrastructure and Development (NABFID)

• 

  NILADRI LASKAR

  DGM Legal, NABARD

• 

  SOHAM SHAH

  VP - Business Development, Presolv360

As compliance and ADR reshape Banking, NBFCs & Insurance, this panel explores faster dispute resolution, stronger governance, and readiness for multi-regulatory scrutiny.

• Securities: SEBI’s SMART-ODR — default path to settle investor disputes and redefine grievance redressal.
• Payments: NPCI’s UDIR + RBI’s ODR mandate — can UPI disputes clear faster, and is digital redress finally scalable?
• Banking Ombudsman 2.0 — RBI’s Integrated & Internal Ombudsman models: overlap or clarity in consumer protection?
• Insurance: IRDAI’s Internal Ombudsman framework + proposed “Internal Insurance Ombudsman” — bridging disputes before litigation or introducing new conflict risks?
• Recoveries: DRT goes e-first — will mandatory e-filing finally cut backlog and improve enforcement timelines?
• Tribunal reforms — NCLT/NCLAT efficiency, digitisation, and the push for judicial consistency in commercial matters.
• Criminal liabilities of MDs & CEOs in BFSI entities — managing exposure before CBI, ED, and SFIO under tightening accountability regimes; where does board oversight end and personal liability begin?
• Investor protection in hybrid securities and complex instruments — regulatory and judicial scrutiny intensifies.
• Mediation Act, 2023 — time to put “mediate-first” clauses in BFSI contracts and rethink pre-litigation strategy.
• Arbitration drafting after the 7-Judge ruling on stamping — how should BFSI contracts evolve to stay enforceable?
• Securities to Insurance: What’s the right “ODR clause” for multi-party BFSI stacks? — balancing enforceability, forum selection, and regulatory expectations.