Build For Bharat

Build For Bharat features bite-sized discussions with the Makers who are building India’s inclusive, digital future. The podcast is a part of the Bharat Inclusion Initiative from CIIE.CO, where we support entrepreneurs who are Building for Bharat with inclusive products.

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4 days ago

About the Episode: 'Financial Inclusion for Bharat: Insights into People, Markets and Start-ups' is a compendium of insights from the lives of people of Bharat, extensive research studies on pressing questions about inclusion and cases that improve founders' decision-making. Featuring a variety of research forms including human stories from across the geography of India, insights and use cases based on extensive data, rigorous methods and case snapshots with focus on dilemma facing founders building financial inclusion startups, this is an incomparable source of insights and nuggets on the area of financial inclusion and what that means for Bharat.Join Supriya Sharma, Partner-Insights in a conversation with Sanjay Jain as she discusses this. Download the book from:   About the Guest: Supriya Sharma is a Partner - Insights and leads the research vertical at CIIE.CO. She has built a function that delivers a toolbox for startups including  research on emerging sectors, DIY tools and decision making frameworks. Insights at CIIE.CO also provides research backed inputs to incubators, investors, academia and other stakeholders in the Indian startup ecosystem. A research-practice translator, Supriya continues to publish her research in leading journals and teach courses on entrepreneurship at IIMs. Supriya is a Fellow of IIM Ahmedabad. Prior to her doctoral work, she had worked in the insurance industry in team leading and strategic roles and dabbled with academia. Supriya enjoys hindi-urdu poetry and cooking. She is also building a resource for caregivers in India.   To share feedback or engage with us, write to us at Subscribe to never miss an episode: Apple Podcast | Google Podcast | Spotify | Amazon Music | Gaana | JioSaavn  

7 days ago

About the Episode: A special episode on Build for Bharat podcast featuring Akshay Saxena, founder of Avanti fellows. Avanti runs India's largest interventions integrating technology to improve maths and Science achievements in secondary school.The episode was recorded live on 8th Aug 2022 by Daily Hunts in collaboration with MASH foundation as part of celebration of Azadi ka Amrit Mahotsav, 75 years of Independence. Join Akshay as he chat with Sanjay on his journey forming Avanti fellows enabling young and talented students from low income background to get equitable access to high quality education. About the Guest: Akshay Saxena is a Teacher-Entrepreneur with a passion for helping build organizations that create an equitable world. Through Avanti we are helping teachers in 11 states across India transform Math and Science learning outcomes for India's 100M middle and high-school students through the use of collaborative learning and technology.   To share feedback or engage with us, write to us at Subscribe to never miss an episode: Apple Podcast | Google Podcast | Spotify | Amazon Music | Gaana | JioSaavn

Saturday Sep 17, 2022

About the Episode: Bharat Bill Payment System is an integrated bill payment system in India offering interoperable and accessible bill payment service to customers through a network of agents of the registered members as Agent Institutions, enabling multiple payment modes, and providing instant confirmation of payment. Join Rahul Tandon as he shares how this brings one-touch billing to life with host, Sanjay Jain. About the Guest: Rahul Tandon is currently working as Head Product, Market Development and Compliance at NPCI Bharat Bill Pay Limited. He has three decades of experience. Two-decade-old development banker; worked in domains of credit, policy, IT, and inspections. Pioneer in the field of digital payments helped establish financial inclusion and merchant acquisition for a payments company. Serial entrepreneur and established businesses related to QR code, biometrics and business applications. Was part of the founding team that planned, wrote the guidelines and designed the product for BBPS.   To share feedback or engage with us, write to us at Subscribe to never miss an episode: Apple Podcast | Google Podcast | Spotify | Amazon Music | Gaana | JioSaavn

Tuesday Sep 13, 2022

About the Episode: Fostering innovation in the financial sector has always been interlinked with regulation. Last year, RBI set up an independent not for profit company with an independent board - the Reserve Bank Innovation Hub (RBIH) - to act in the interests of the ecosystem and working with all stakeholders, be it academia, FinTech or industry.Join RBIH's CEO Mr. Rajesh Bansal with host Sanjay Jain as they discuss RBIH's vision of frictionless finance for a billion Indians. About the Guest: Mr. Rajesh Bansal is the CEO of Reserve Bank Innovation Hub (RBIH). A highly regarded thought leader, he has nearly three decades of global experience in digital financial services and digital infrastructure across Asian and African markets. Mr. Bansal is one of the key architects of India’s journey from a cash to cash-lite economy by actively promoting policies, strengthening institutions, governance framework, and designing new products and solutions for scale and adoption. He was a member of the founding team of Aadhaar and specifically led the design of India’s Direct Benefits Transfer system which is benefiting hundreds of millions of low-income clients. He played a key role in creating India Stack, a digital ID-based infrastructure for a presence less and cashless service delivery platform, and has been a member of several committees of Government of India and the Reserve Bank of India (RBI). Prior to joining RBIH, he was a senior adviser at Carnegie India, where he led the centre’s Technology and Society programme. Mr. Bansal has previously served the RBI in various capacities, including in areas of technology, payment systems, and financial inclusion. Mr. Bansal holds a Master’s degree from Duke University in International Development Policy, USA and has authored a number of articles and opinion pieces in leading publications. Today he commands the magnanimous position of being one of the Top 30 Indian fintech influencers in 2022 and has been a recipient of the prestigious Golden Jubilee scholarship scheme of the RBI.   To share feedback or engage with us, write to us at Subscribe to never miss an episode: Apple Podcast | Google Podcast | Spotify | Amazon Music | Gaana | JioSaavn

Saturday Sep 10, 2022

About the Episode: We are not able to reach out to the bottom of the pyramid because it's not economically viable to do so. However, with India Stack, technology can enable greater access. Join Hrushikesh Mehta as he chats with Sanjay Jain on one such piece of the India Stack - Open Credit Enablement Network (OCEN). About the Guest: Hrushikesh Mehta is a Fellow at iSPIRT and Chief Evangelist, CredAll. He is responsible for driving the awareness and adoption of standardized Application Programming Interfaces (APIs) that facilitate digital lending. The APIs are called the Open Credit Enablement Network or OCEN. There are many lending processes that have not been uniformly automated. OCEN's APIs standardize these so that ecosystem players like loan service providers (LSPs) and lenders can work together to create all-digital lending flows over the life cycle of the loan without needing custom integrations. All-digital loans reduce the cost of acquisition and hence enable cash flow based lending (sachet sized finance) which was previously unviable when manual processes were involved. Prior to  this Hrushikesh was responsible for building all aspects of ClearScore’s online credit and insurance market place business in India. In a career spanning 20 years – a majority of which were spent at TransUnion CIBIL - Hrushikesh has held leadership positions across product development, sales, marketing, operations, credit risk and vendor management. Prior to TransUnion CIBIL, he has worked with Quantum Equity Advisors where he actively participated in the fund raising process, United Shippers Limited where he was responsible for high-profile client interactions, Citigroup Private Bank where he recommended investment strategies for high net worth individuals, and Osram Sylvania Inc, USA. He also had a previous tenure with CIBIL. Hrushikesh has a degree in Business Administration from Bryant University (USA) and a post-graduate degree in Management from Indian School of Business (Hyderabad).   To share feedback or engage with us, write to us at Subscribe to never miss an episode: Apple Podcast | Google Podcast | Spotify | Amazon Music | Gaana | JioSaavn

Tuesday Sep 06, 2022

About the Episode: BG Mahesh is passionate about building products to Bharat. He did this for two decades with Indian languages in digital media and is now co-founder at Sahamati, a collective of the Account Aggregator ecosystem. AAs give individuals greater control over their data and is a step towards financial inclusion in India.Join him with host Sanjay Jain on this episode of the build for bharat podcast to take a peek into Account Aggregators and the India Stack. About the Guest: BG Mahesh is the Cofounder and CEO of Sahamati. He did BE (Computer Science) from SJCE Mysore and MS (CS) from Univ of Alabama, Birmingham (US). Mahesh is the first one who built an internet portal for the Indian diaspora in the US ( As early as 2000, Mahesh focussed on Indian languages on the internet to reduce the digital divide.   To share feedback or engage with us, write to us at Subscribe to never miss an episode: Apple Podcast | Google Podcast | Spotify | Amazon Music | Gaana | JioSaavn

Saturday Sep 03, 2022

About the Episode: Eko gives an opportunity to shop owners to turn into Banking & Financial institutions. Customers who do not have bank accounts and still want to transfer money using cash , pay their utility bills, have insurance and avail services you give. Join Abhishek Sinha with Sanjay jain on this episode of the Build for Bharat podcast as they discuss service networks that have arisen due to the collaborative efforts put in by Eko About the Guest: Abhishek is one of the Co founders of Eko and started Eko in 2007. Prior to Eko, Abhishek had cofounded 6d Technologies - a telecom software product company. Abhishek graduated as Bachelor of Engineering Electronics and Communication Engineering from Birla Institute of Technology, Mesra, Ranchi. At Eko, he is a big proponent of open source and open platform which allows of collaboration with developers and product managers beyond Eko. He further champions video, voice and vernacular at Eko as he believes that this is key to acquire and democratically serve the next billion customers.   To share feedback or engage with us, write to us at Subscribe to never miss an episode: Apple Podcast | Google Podcast | Spotify | Amazon Music | Gaana | JioSaavn

Tuesday Aug 30, 2022

About the Episode: Beckn is the base protocol layer that powers ONDC - which is in the news today.  While many have not heard of it, Sanjay spoke with Ravi Prakash, the Head of Architecture & Technology Ecosystem, and asked him to explain it in a simple way - as if the listener was 5 years old.  Listen in at Build for Bharat podcast and join the conversation. About the Guest: Ravi Prakash is currently working as the Head of Architecture and Technology Ecosystem at Beckn Foundation. Ravi is the genesis author of beckn protocol specification, current administrator of the core working group that maintains beckn protocol, and volunteer at Beckn Open Collective. He also work as a protocol advisor to projects like Open Network for Digital Commerce, the Kochi Open Mobility Network, and the Unified Health Interface. Ravi comes from a very hardware oriented background. He graduated with a Masters Degree in Embedded Systems from BITS Pilani, Pilani Campus after obtaining his Bachelor's Degree Engineering from Anna University, Chennai.   To share feedback or engage with us, write to us at Subscribe to never miss an episode: Apple Podcast | Google Podcast | Spotify | Amazon Music | Gaana | JioSaavn


About Bharat Inclusion Initiative

The Bharat Inclusion Initiative (BII) is an effort towards bringing the benefits of technological progress to underserved populations. Led by CIIE.CO, the initiative is supported by the Bill & Melinda Gates Foundation, J.P. Morgan, MetLife Foundation, the Michael & Susan Dell Foundation and Omidyar Network.

The Initiative focuses on incubating and backing startups that work in areas such as financial inclusion, livelihood, skilling, and health. For ambitious entrepreneurs working on problems of the Bharat market, the Bharat Inclusion Initiative provides domain knowledge, training, financial support, mentorship and market access they need to bring inclusive, for-profit businesses to life. 


About the Host

Sanjay is the Chief Innovation Officer at CIIE.CO, where he leads efforts to help create, promote, and encourage entrepreneurship in areas around digital technology.  He leads efforts at the Bharat Inclusion Initiative, and the Bharat Inclusion Seed Fund to bring more people into the formal economy, and workforce in India.

Sanjay is also a partner at the Bharat Innovation Fund, which invests in early-stage companies that use Intellectual Property as a business differentiator.

During his career, Sanjay has been responsible for the development of many large scale, high impact systems. He worked with NPCI to define the Unified Payment Interface.  UPI has grown to be one of the largest digital payment systems in India and the world.  He was the Chief Product Manager at the UIDAI, where he led the product development efforts from its early days till well after the launch. The UIDAI has issued over a billion numbers to Indian residents, and supports a Billion authentication requests a month.  He was also the Product Manager responsible for the creation and launch of Google Map Maker - a crowd-sourced mapping product that is responsible for Google Maps data for 170+ countries (including India).

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Podcast partners: Vaaka Media
Production: Devi Pramod  & Ayushi Mona
Music: Sushil Kumar Bawa
Design: Pinakeen Bhatt

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