PhonePe's Sameer Nigam Unveils Vision for Next Decade of Financial Inclusion at GFF 2026

PhonePe's Sameer Nigam outlined a financial inclusion vision for the next decade at GFF 2026, from Daily FDs to AI credit.

Updated: 10 Sept 2026 • 10:22 am

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PhonePe's Sameer Nigam Unveils Vision for Next Decade of Financial Inclusion at GFF 2026

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The PhonePe financial inclusion vision, outlined by founder and CEO Sameer Nigam in a keynote at the Global Fintech Fest 2026, centres on what he called a Sachetization Philosophy, turning heavy financial commitments into small, everyday habits for daily-wage earners and small businesses. The PhonePe financial inclusion vision includes products such as PhonePe Daily FD, which lets users start a bank-grade fixed deposit with as little as Rs 100 a day, daily Gold, Silver and Mutual Fund SIPs starting at Rs 10, and AI-driven underwriting that Nigam said now enables loan disbursals in just 2.5 minutes.

PhonePe used its decade milestone at the Global Fintech Fest to lay out where it wants to take financial inclusion in India next, framing it as the PhonePe financial inclusion vision for the coming decade.

Here is what Sameer Nigam said about PhonePe's financial inclusion vision and the specific products behind it.

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Table of Contents

The Sachetization Philosophy

Central to the PhonePe financial inclusion vision is what Nigam called a Sachetization Philosophy, comparing it to the accessibility of a Rs 2 shampoo sachet. This includes PhonePe Daily FD, which allows users to start a bank-grade fixed deposit with as little as Rs 100 a day, alongside daily Gold, Silver and Mutual Fund SIPs starting at just Rs 10.

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Breaking Down Access Barriers

Nigam said PhonePe has worked with NPCI to break down the smartphone, bank account and border barriers that have historically excluded people from the digital economy. He pointed to UPI 123Pay, a non-internet, SMS, IVR and voice-based technology stack, with over 8 lakh enabled devices already shipped, as a key part of the PhonePe financial inclusion vision for feature phone users.

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FAQs

What is the PhonePe financial inclusion vision?

Ans. It is the strategic roadmap Sameer Nigam outlined at GFF 2026, covering products and philosophies aimed at extending financial services to underserved segments over the next decade.

What is PhonePe's Sachetization Philosophy?

Ans. It is the idea of turning heavy financial commitments into small, everyday, accessible habits, central to the PhonePe financial inclusion vision Nigam described.

What is PhonePe Daily FD?

Ans. It is a product that lets users start a bank-grade fixed deposit with as little as Rs 100 a day, part of the PhonePe financial inclusion vision.

How fast can PhonePe's AI-driven underwriting disburse loans?

Ans. Nigam said the AI-driven underwriting now enables loan disbursals in as little as 2.5 minutes.

What is UPI 123Pay and why does it matter to this vision?

Ans. It is a non-internet, SMS, IVR and voice-based technology stack that brings UPI functionality to feature phones, with over 8 lakh enabled devices shipped, central to the PhonePe financial inclusion vision for excluded users.