For the first time in India, businesses can now bank with AI agents that work while they sleep

• Enables businesses to initiate payouts by simply conversing with the AI agents, from instruction to OTP approval in seconds

• AI agents for payouts, collections, cash flow, all built into a single connected banking platform

RazorpayX, a new-age business finance platform from Razorpay, announced the launch of India’s First Agentic Connected Banking Platform. With this, RazorpayX now brings an agentic connected banking experience to Indian businesses by introducing AI agents into day-to-day financial operations, marking a shift from transactional banking to AI-driven workflows.

The launch comes against a backdrop of deeply manual financial workflows for Indian businesses. According to the Ministry of MSME Annual Report 2025-2026, over ₹8.1 trillion is estimated to be locked in delayed payments to MSMEs in India. Cash flow disruptions remain a persistent challenge, forcing business owners to spend significant time tracking receivables and managing follow-ups. For certain Indian businesses, the tools to address this have been too expensive, too fragmented, or simply absent from their banking experience altogether. 

Business banking in India has long been purely transactional, with current accounts serving primarily as instruments to move money. RazorpayX changes that with different agents built directly into the merchant dashboard:

• Cashflow Insights gives finance teams a real-time view of their money in one place. It brings together account balances, incoming payments, cash flow, and how long current funds are likely to last, helping teams spot issues early and make better financial decisions without relying on spreadsheets or multiple tools.
• The Receivables Agent automates collections by following up on unpaid invoices and sending timely payment reminders. It keeps the collection process moving, reducing the manual effort businesses spend chasing payments.
• The Payout Agent makes disbursements as simple as typing who you want to pay. It fetches the payee’s details, suggests whom to pay and when, prepares the payout, and takes the user directly to the OTP approval page. What once required multiple steps can now be completed in seconds.

Together, these agents represent a fundamental rethinking of what a current account can do, moving from a product that records financial activity to one that actively manages it.

Speaking on the launch, Ayush Bansal, VP and General Manager, RazorpayX, said, “For decades, business banking in India has given finance teams the rails to move money but limited intelligence to manage it. The result is entire finance functions caught in a cycle of follow-ups, manual configurations, and reconciliation work that technology should have long taken over. Today, we are returning that time to the people who matter most in a growing business. When routine financial operations run themselves, finance teams stop being reactive and start being consequential. That shift, from coordination to strategy, is what we believe the next generation of business banking in India must enable.“

The Cashflow Insights and Payout Agent are now available in beta for RazorpayX Connected Banking+ users, with a few businesses already using them. This launch is part of Razorpay’s broader vision of an agentic financial infrastructure for Indian businesses, one where intelligent agents manage not just how businesses get paid, but everything that happens with that money once it arrives.