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Harshil Mathur

CEO & Co-Founder, Razorpay

Search every verified Harshil Mathur interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Harshil Mathur, CEO and co-founder of Razorpay, has recently discussed the company's transition to an AI-native organization at several industry events. At the ElevenLabs Summit in Bengaluru in October 2026, he said that AI adoption must begin with founders personally testing new models, and described building roughly 40 personal AI agents to handle tasks such as responding to WhatsApp messages, triaging customer grievances, and summarizing business performance. He also mentioned that Razorpay is piloting an "agentic CEO" to run its Pune operations end-to-end. In a September 2026 conversation at the Global Fintech Fest, he discussed how agentic coding is changing engineering workflows and argued that the main bottleneck in AI adoption is not the model itself but everything downstream of it. In other appearances, Mathur spoke about India's digital payments landscape and the role of AI in fintech. He noted that UPI has about 600 million daily users while regular e-commerce users number under 50 million, and he described much of India's commerce as voice-led. He also said that AI could positively disrupt the digital ecosystem by enabling personalization and cost reduction, and he emphasized the need to balance innovation with consumer protection as new users come online from tier two and tier three cities. Additionally, he discussed Razorpay's growth, stating that the company powers payments for close to 85% of India's unicorns and that its brand now has more search volume than the "payment gateway" category keyword.

Recent appearances

  • How Razorpay and Cars24 Became AI-Native Companies — ElevenLabs Summit Bengaluru 2026

    October 14, 2026 · 📺 ElevenLabs

    Razorpay's Harshil Mathur and Cars24's Vikram Chopra on running AI-native companies and why commerce in India will be voice-led. Watch more from the Summit → https://elevenlabs.io/events/elevenla... Moderated by Rishen Kapoor, Principal at Peak XV Partners, this panel looks at how two of India's leading digital-native companies are rebuilding themselves around AI. Harshil Mathur, CEO and co-founder of Razorpay, explains why adoption has to start with founders trying the latest models themselves. He also shares how Razorpay flipped its hackathons around, so that leaders build and engineers ju…

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  • Razorpay Built Their Own LLM?

    September 27, 2026 · 📺 Signal

    Harshil Mathur, Co-founder and CEO of Razorpay, sits down with Aakrit Vaish at Global Fintech Fest for a candid conversation on how Razorpay has quietly rebuilt itself into an AI-native company. They get into what “AI-native” actually means beyond the buzzword, how agentic coding is rewriting the engineering playbook, and why the biggest bottleneck in AI adoption today isn’t the model, it’s everything downstream of it. Harshil also opens up on the personal AI agents running his own life, and lays out a new mental model for how founders should think about resources in the agentic era. In this…

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  • Exclusive: AI Revolution से Fintech में क्या बदलेगा? समझिए Razorpay के CEO Harshil Mathur से!

    September 09, 2026 · 📺 CNBC Awaaz.

    AI is rapidly transforming the digital ecosystem and the future of digital payments. Razorpay CEO and Co-founder Harshil Mathur believes AI can have a positive impact across the entire digital ecosystem. As technology and consumer behavior evolve rapidly, digital payment companies are also adapting to stay ahead. Watch this video to understand AI in fintech, the future of digital payments, digital transformation, and how Razorpay sees the evolving technology landscape. #ai #artificialintelligence #razorpay #harshilmathur #digitalpayments #fintech #fintechnews #digitalecosystem #digitaltran…

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  • How India Made Cash Obsolete in 10 Years | Razorpay CEO

    September 09, 2026 · 📺 Miguel Armaza - Fintech Leaders

    I sat down with Harshil Mathur, Co-Founder and CEO of Razorpay, one of India’s most important fintech and tech companies. RazoPay moves ~$200Bn in annual payment volume and powers ~85% of the country’s largest tech companies. They’re also preparing for a large IPO on the Indian Stock Exchange. Harshil started coding at age 12, and began building Razorpay in 2014 only a year after graduating college. The company today is India’s dominant payments player and Harshil is one of the sharpest and nicest founders I’ve ever interviewed. If you’re interested in global leadership, fintech innovation,…

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  • Razorpay CEO Harshil Mathur on how agentic commerce will unfold in India

    July 07, 2026 · 📺 The Ken

    If you've bought anything online in India in the last ten years, you've seen the checkout page. You search, scroll, filter, add to cart, and eventually pay. UPI simplified the payment part. But you still had to do everything else yourself. That's about to change with agentic commerce, says Harshil Mathur, the CEO of Razorpay. Not just change but disappear entirely. Imagine this. Let’s say you want to make cake one evening. An agent figures out the ingredients you need for the recipe, builds the cart, checks the pantry, and finishes the purchase. Without you ever opening an app. This is the…

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  • Razorpay’s Founder started coding again after 6 years | Harshil Mathur, CEO Razorpay

    June 15, 2026 · 📺 Z47 Moments

    For six years, Harshil Mathur's GitHub was mostly inactive. Then, in the last three months, it turned completely green. Why? Because AI crossed a critical threshold—from being a helpful assistant to becoming an execution engine. In this conversation, Razorpay Co-founder Harshil Mathur shares how he and the team spent months rethinking and rebuilding key parts of Razorpay for an AI-first world. From onboarding and integrations to customer support and dashboards, every customer touchpoint was reimagined with a simple question: If you were starting your company today, knowing what AI can do,…

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  • Razorpay replaced their entire onboarding with AI Agents | Harshil Mathur | Intelligent Indians

    June 11, 2026 · 📺 Z47 Moments and Razorpay

    Harshil Mathur started Razorpay after quitting the highest-paying job on his campus, a role his whole family had just celebrated, because he walked in on day one and realised he was a guy who wanted to sit and code, not step onto an oil field. Then he spent a decade away from that: walking into bank after bank getting laughed out of the room, surviving the grind no funding can fast-track, and the night Yes Bank froze with customer money stuck inside it. This is the founder story, lived experience as an edge, why the rejections compounded in his favour, why the grind always comes, and the valu…

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  • FTX26 |India’s Second Innings: What Next 10yrs of Startups Looks Like| Nithin Kamath, Harshil Mathur

    March 17, 2026 · 📺 Razorpay

    Nithin Kamath built Zerodha into India’s largest stockbroker without raising venture capital, rewriting the traditional startup playbook in the process. At FTX 2026, he joins Razorpay’s Harshil Mathur for a fireside chat to discuss what the next decade of Indian startups might look like in a world transformed by AI. As software becomes cheaper to build and AI engineers become abundant, founders are entering a radically different landscape from the one that created the first wave of unicorns. 🔹 Will India build global AI companies or dominate the last mile of adoption? 🔹 What differentiates…

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  • "World's first…": Razorpay CEO Harshil Mathur on AI Agent Studio for autonomous operational tasks

    March 12, 2026 · 📺 ANI News

    Co-founder and CEO of Razorpay, Harshil Mathur said, “AI is impacting every aspect of the business... We have launched the agentic commerce itself. We launched something similar at AI Summit, where you can chat with ChatGPT... Now we are extending that to inside apps... It can be a massive driver because a lot of Indians are still not used to searching, finding and then placing an order for their high-frequency use case...” #Razorpay #AgentStudio #AIAgents #FintechIndia #AIPayments #BusinessAutomation #ArtificialIntelligence #TechInnovation #DigitalPayments #AgenticCommerce #StartupIndia #Fu…

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  • How AI Will Transform Payments Razorpay CEO Harshil Mathur Exclusive On AI, Business & Innovation

    February 21, 2026 · 📺 सत्यन्वेशी SAMRAT

    इंडिया का डिजिटल Future How AI Will Transform Payments Razorpay CEO Harshil Mathur Exclusive On AI, Business & Innovation #HarshilMathur #Razorpay #ExclusiveInterview #AIinPayments #FintechIndia #StartupIndia #DigitalIndia #FutureOfPayments #Entrepreneurship #TechLeadership #UPI #Innovation #IndianStartups #AIRevolution #YouthInspiration

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  • Razorpay CEO On AI-led Payments, Agentic Commerce & Global Partnerships

    February 17, 2026 · 📺 CNBC-TV18

    Razorpay is entering its next big phase. In conversation with Rachna Dhanrajani, Co-founder & CEO, Harshil Mathur shares his outlook on the company as it expands its AI play with OpenAI and AnthropicAI. #razorpay #fintech #aipayments #agenticcommerce #digitalpayments #artificialintelligence #fintechindia #startupindia #innovation #businesstech #technology #entrepreneurship #digitaleconomy #automation #cnbctv18 🔴CNBC TV18 LIVE TV: https://youtube.com/live/P857H4ej-MQ SUBSCRIBE to our Channel: https://bit.ly/3nvEcxf ----------------------------------------------------------------------------…

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  • The moment Razorpay realised the market was HUGE. #startup #business #blumepodcast

    November 19, 2025 · 📺 Blume Ventures

    A single meeting in Old Delhi changed how Shashank Kumar and Harshil Mathur thought about the opportunity in front of them.

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Notable quotes

“See, first of all, I will say that that is the world in which India most of India today lives. So, if you look at like today the amount the number of people who use UPI daily is about 600 million. But the number of people who do e-commerce regularly in India is less than 50 million. The rest of the population, it's not that they're not buying stuff, but they're buying stuff mostly offline because most of their commer”

“The way to think about it is that up until now our data center business has been almost entirely GPUs. Vera is our CPU, and you know what's really exciting is that Vera opens a brand new 200 billion TAM for NVIDIA, a market we have never addressed before, and every major hyperscaler is partnering with us to get it deployed, and that's huge for the company because for the first time we have a second engine of that sca”

“The way to think about it is that up until now our data center business has been almost entirely GPUs. Vera is our CPU, and you know what's really exciting is that Vera opens a brand new 200 billion TAM for NVIDIA, a market we have never addressed before, and every major hyperscaler is partnering with us to get it deployed, and that's huge for the company because for the first time we have a second engine of that sca”

“India never really adopted the SAS wave honestly and the reason the SAS we have never took off in India. SAS accepts a business owner to learn the way a tool works to change their life and it doesn't work because like you expect a business owner who's been doing sales in a certain way to say hey now you have a CRM whenever you do a sales put it in this and type it in this and then whenever you want to do a new sale p”

“We had a choice that do we pay out our largest customers like the top 10 largest customers or do we pay out the rest thousand small customers. These large guys can manage without the money. The small guys were going to die tomorrow. And it was very simple like I didn't have to think 5 minutes. Let's just pay out the small guys.”

The summary and quote tags on this profile are produced with AI assistance from verified, first-person interview transcripts, then checked by our team to confirm the speaker's identity and the accuracy of every quote. See how we verify →