Digital Verity India builds fraud intelligence and cyber-physical security for the institutions that need it most — using sovereign and verifiable AI.
Every threat model ends at a person. A retired teacher who believed the “CBI officer” on a video call, a kirana supplier paid over UPI into a mule account, a town whose grid control room went dark. Indians reported Rs 22,845 crore in cyber-fraud losses in 2024, triple the previous year, and reported incidents crossed 36 lakh. Digital-arrest scams alone took Rs 120 crore in four months. Then in October 2020, Mumbai lost power for hours and investigators later found a foreign state actor had been inside the grid’s IT networks. Digital Verity India exists because those people are defended by institutions with the same obligations as the largest, and a fraction of the staff.
The caller wears a uniform on a video call, shows a fake warrant, and keeps her on the line for hours until she transfers her savings to “verify” them. Crimes against senior citizens rose nearly 17 percent in 2024. The money moves through mule accounts and is gone in minutes. Recovery is rare.
A supplier gets a call that sounds exactly like his distributor and sends a UPI payment to a new account. Or a “KYC update” link drains the current account before morning. Small businesses run on instant rails with no batch window and no fraud team.
In October 2020, Mumbai’s power failed and much of the metropolitan region went dark for hours. Investigators later found state-sponsored actors had penetrated the IT networks around India’s power grid. Downstream were households, hospitals and local trains with no way to know.
Ministry of Home Affairs / I4C, reply in Lok Sabha, July 2025; National Crime Records Bureau, Crime in India 2024, May 2026; I4C trend analysis, January–April 2024.
Recorded Future reporting on RedEcho targeting of Indian power grid networks, February 2021; CERT-In advisories on OT and critical-information-infrastructure threats.
AI has made impersonation cheap: a convincing voice, a deepfaked video call, a fabricated KYC file no longer require a skilled crew; they require a prompt. UPI and instant rails settle value in seconds, with no batch window to review it. Agentic AI runs at machine speed and does not rest, on both sides of the wall.
You can hold an employee accountable. You cannot fire an AI agent.
DISCOMs are putting operational technology on the network and extending the grid to smart meters, rooftop solar and EVs they neither own nor control, pushing the attack surface into homes.
After the Mumbai outage of October 2020, investigators found the grid’s IT environment had been penetrated by a state-sponsored group. That is the tip of the iceberg.
Digital Verity India exists to enhance trust in that world.
We bring together the people facing the same problem in a sector — banking in one room, utilities in another — so the threat picture is shared rather than rediscovered one institution at a time.
Experiential learning for university students through sponsored research, capstone projects and research collaborations with IIT Madras, VIT and other institutions. Students take on real problems and make real decisions on work that ships.
Products built at the intersection of knowledge graphs, AI and digital assets, shaped by what the community and the research surface rather than by what is easy to build.
Fraud is moving faster than the institutions defending against it. UPI settles in seconds, mule networks launder across dozens of accounts, and small finance and cooperative banks are expected to catch it with tiny teams.
One graph of the bank’s own data across fraud, cyber and AML. Investigators get one case with one timeline, graded and tagged to MITRE F3; the board gets a periodic report of actual loss against a limit the bank set in advance. Each bank runs its own instance inside its own confidential computing environment, with data resident in India.
India’s DISCOMs are rolling out 25 crore smart meters and absorbing rooftop solar and EVs — customer-owned devices the grid can call on at peak. It is a genuinely new attack surface, and its security has not been worked out.
Unifies enterprise IT and the cyber-physical control layer in one context engine. Open-source anchored with no vendor lock-in, and every agent decision is written to an append-only cryptographic ledger.
Nearly four decades at Citigroup in technology, cybersecurity, data governance and board governance. In January 2026 he moved to incubating products at the intersection of cyber resilience and fraud forensics, founding Digital Verity in the US and Digital Verity India Private Limited in Hyderabad, and collaborating with universities for talent development.
Banks, energy operators and research programs are all welcome.