The Reserve Bank of India (RBI) is developing a Public Tech Platform for Frictionless Credit delivery through end-to-end digital lending processes, beginning with Kisan Credit Card and dairy loans. RBIH, the RBI s wholly owned subsidiary that accelerates innovation in the financial sector, is piloting its platform in five states and plans to expand its offering to include education loans, MSMEs, and vehicle and personal loans. It will allow lenders to tap into data on milk sales or land records to establish creditworthiness, speeding up the loan application process from its current two to three weeks to a few minutes.