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Artificial Intelligence is quietly reshaping the financial world. When you apply for a loan and receive a decision in seconds, when your bank flags a suspicious transaction, or when an app recommends where to invest your savings — AI is working in the background. But what happens to fairness, transparency, and accountability when machines make decisions that affect your money, your credit, and your future?

Artificial Intelligence and Financial Law in India explores the legal, ethical, and human dimensions of this transformation. Drawing on Indian law, global best practices, landmark case studies, and the author's LLM research from Golden Gate University, San Francisco, this book demystifies how algorithms affect our rights, our data, and our access to essential financial services.

From the Digital Personal Data Protection Act 2023 and RBI guidelines on digital lending, to SEBI's regulation of algorithmic trading and the constitutional right to privacy — the book maps India's evolving legal landscape with clarity and depth. It also looks outward, examining what India can learn from the EU AI Act, Singapore's FEAT principles, and the United States' approach to algorithmic fairness.

Real-world case studies bring the stakes to life: credit scoring systems that reinforce bias, flash crashes triggered by unchecked trading bots, predatory lending apps that caused tragedy, and banks that got AI right through ethical governance. These are not hypothetical risks — they are happening now.

This book covers:

• What AI in finance actually does — and what can go wrong
• Constitutional protections, consumer rights, and data privacy in the AI age
• Accountability and liability when algorithms cause harm
• The Digital Personal Data Protection Act and its limits
• Algorithmic bias, explainability, and the case for fairness audits
• How India compares to the EU, US, and Singapore on AI regulation
• Risk classification frameworks and regulatory sandboxes
• Ethics in AI — and why compliance alone is not enough
• A practical roadmap for India's AI law in financial services

Written in an accessible, explanatory style, this book is for law students, fintech professionals, policy thinkers, regulators, journalists, and any citizen who wants to understand — and shape — the future of AI in India's financial system.

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