UNDERSTAND THE OPPORTUNITY
Razorpay has announced an exciting AI-focused Buildathon opportunity for builders interested in solving real-world problems across fintech, commerce, risk management, revenue recovery, finance, and artificial intelligence.
This opportunity is different from traditional recruitment because Razorpay says it focuses on the work candidates build rather than simply screening their resumes. Participants are expected to select a track, build a meaningful project, publish their code on GitHub, create a 5-minute pitch video, and explain what broke during development and how they recovered from it.
Shortlisted builders will go directly to a panel. There is no aptitude test and no group discussion mentioned in the provided details.
Selected candidates can receive a ₹75,000 monthly stipend and choose between a 6-month or 12-month opportunity. The work will be in-person in Bangalore from September.
MATCH YOUR SKILLS
This opportunity is suitable for students, developers, software engineers, AI enthusiasts, programmers, and builders who enjoy creating practical technology solutions.
Candidates should be comfortable building software, working with APIs, experimenting with AI models or AI agents, understanding user problems, and converting ideas into functional products.
Depending on the selected track, useful skills can include Artificial Intelligence, Machine Learning, Generative AI, Large Language Models, Agentic AI, API development, backend development, frontend development, databases, fintech, payments, automation, cloud technologies, and software engineering.
The most important factor is not simply knowing a particular technology. Candidates need to demonstrate strong problem-solving ability, good product thinking, quality engineering, sensible AI usage, and the ability to handle technical failures.
CHECK YOUR ELIGIBILITY
The provided Buildathon information does not mention a specific degree, percentage, or academic qualification requirement.
The application form asks candidates to provide their college and graduation year and asks whether they are available to work in person from September.
Candidates should review the official application form carefully and verify the latest eligibility requirements before applying.
The opportunity is primarily focused on the quality of the project and the candidate's ability to demonstrate how they think, build, test, and solve problems.
BE READY WITH YOUR DOCUMENTS
Candidates should keep an updated resume ready for the application. However, Razorpay specifically states that the company will focus on the work rather than screening candidates primarily through their resumes.
Applicants should also prepare a public GitHub repository containing their project and a 5-minute pitch video. The video can be unlisted.
Candidates should be ready to explain the problem they selected, why it matters, how their solution works, the technology used, important technical decisions, what went wrong during development, and how they fixed those problems.
RAZORPAY BUILDATHON 2026
Company: Razorpay
Opportunity: AI Buildathon
Available Tracks: 5
Monthly Stipend: ₹75,000
Duration: 6 or 12 months
Location: Bangalore, India
Work Mode: In-person
Start: From September
Selection Process: Shortlisted builders go directly to a panel
Aptitude Test: No
Group Discussion: No
Resume: Required
GitHub Repository: Public repository required
Pitch Video: 5 minutes
ABOUT RAZORPAY
Razorpay is an Indian fintech company that provides payment and financial technology solutions for businesses.
The company operates across areas including online payments, payment infrastructure, financial workflows, business banking, and commerce technology.
The Buildathon focuses on the intersection of artificial intelligence and fintech and gives builders an opportunity to explore how AI and AI agents can solve practical problems for merchants and financial workflows.
WHAT IS THE RAZORPAY AI BUILDATHON?
The Razorpay Buildathon is designed around five different AI-focused tracks.
Instead of following a traditional recruitment process involving multiple aptitude or group discussion rounds, participants are expected to build a practical solution and demonstrate the result.
Applicants need to provide their project details, public GitHub repository, pitch video, and an explanation of what broke during development and how they solved the problem.
This makes the actual project an important part of the evaluation process.
TRACK 01 – AI GROWTH & AGENTIC COMMERCE
The first track focuses on AI Growth and Agentic Commerce.
Participants need to build an agent that can help a merchant grow revenue using Razorpay test-mode APIs or make a merchant transactable by an AI buyer from end to end.
This track focuses on the emerging concept of agent-to-agent commerce, where AI agents can discover products, make decisions, interact with businesses, and potentially complete transactions on behalf of users.
EXAMPLE PROJECT DIRECTIONS
Participants can explore ideas such as conversational in-app checkout, where customers interact naturally with an AI system while completing a purchase.
Another possible direction is an agent-readable catalog, where product information is structured so AI buyers can understand products, prices, attributes, availability, and purchasing options.
Builders can also create an upsell and cross-sell agent that identifies opportunities to increase merchant revenue.
Another direction is a campaign orchestrator that uses AI to plan, execute, optimize, or manage merchant campaigns.
IMPORTANT REQUIREMENT FOR MONEY ACTIONS
For the AI Growth and Agentic Commerce track, every money-related action should be explainable, bounded, and gated.
Participants should demonstrate an audit trail that shows what the system or AI agent did and why.
The project should also demonstrate at least one failure handled gracefully.
This is particularly important for fintech applications because AI systems handling financial actions need appropriate controls, transparency, authorization, and reliability.
TRACK 02 – AI RISK MANAGER
The second track focuses on building an AI Risk Manager.
Participants can explore how AI can assist with identifying, evaluating, monitoring, and responding to risks in financial or business environments.
A strong project could demonstrate how an AI system identifies unusual patterns, prioritizes potential risks, explains why something has been flagged, and provides recommendations or escalation options.
Projects in this area should pay attention to explainability, human oversight, false positives, reliability, and safe decision-making.
TRACK 03 – AI REVENUE RECOVERY
The third track focuses on AI Revenue Recovery.
The goal is to explore how AI can help businesses recover revenue that might otherwise be lost.
Participants could investigate problems involving failed transactions, payment recovery, customer follow-ups, transaction patterns, or intelligent intervention strategies.
A strong solution should clearly identify the revenue problem, explain where AI provides value, and demonstrate measurable improvement through relevant metrics.
TRACK 04 – AI FINANCE CONTROLLER
The fourth track is AI Finance Controller.
This track focuses on applying AI to financial control and finance-related workflows.
Participants can explore solutions involving financial monitoring, reconciliation, anomaly detection, reporting, workflow automation, financial analysis, or other finance-control activities.
Projects should prioritize accuracy, traceability, explainability, and human oversight because financial workflows require a high level of reliability.
TRACK 05 – OPEN TRACK
The fifth option is the Open Track.
This track provides more flexibility for builders who have their own AI-powered project idea.
Participants can select a meaningful problem and build their own solution rather than following one of the predefined problem statements.
The project should clearly explain the problem, target users, proposed solution, why the problem matters, and how AI provides genuine value.
WHAT THE APPLICATION FORM ASKS FOR
Razorpay says the application form asks for exactly 12 things.
ABOUT YOU
Full Name
College
Graduation Year
Availability to work in person from September
Preferred duration of 6 or 12 months
Resume File
ABOUT THE BUILD
Selected Track
Project Name
What the Project Solves
Public GitHub Repository URL
5-Minute Pitch Video
What Broke and How You Got Out
WHY THE GITHUB REPOSITORY MATTERS
The GitHub repository is an important part of the application because Razorpay wants to evaluate the actual work.
Candidates should make sure that the repository is public and contains a clean project structure.
A good repository should include a clear README explaining the problem, solution, setup instructions, architecture, technologies used, important features, and how to run the project.
Candidates should avoid submitting an unfinished repository with no documentation.
WHY THE PITCH VIDEO MATTERS
The application requires a 5-minute pitch video.
The video should clearly explain the project instead of simply showing slides.
A strong pitch can cover the problem, target user, solution, product workflow, technical architecture, AI components, important engineering decisions, demonstration, limitations, and future improvements.
Candidates should keep the presentation structured and demonstrate the actual working product whenever possible.
WHAT BROKE AND HOW YOU GOT OUT
One of the most interesting questions in the application asks candidates to explain what broke and how they recovered.
Razorpay wants to understand how builders handle failure.
Candidates should not try to hide every problem they encountered.
Instead, explain a meaningful technical or product failure, identify the cause, explain how you investigated it, describe the solution, and discuss what you learned.
This can demonstrate debugging ability, engineering maturity, problem-solving skills, and the ability to improve a product based on real-world issues.
WHAT RAZORPAY LOOKS FOR
PROBLEM TASTE
Razorpay wants to see whether you selected a problem that actually matters.
A technically impressive project may not be valuable if it solves an insignificant problem.
Candidates should clearly explain the target user, pain point, business impact, and why the problem deserves to be solved.
BUILD QUALITY
The project needs to actually work.
Razorpay wants to understand whether the system runs properly, whether it is structured well, and whether someone could reasonably trust the solution.
Reliability, usability, code quality, documentation, and thoughtful architecture can all contribute to a strong submission.
AI JUDGMENT
Using AI everywhere is not necessarily an advantage.
Razorpay wants to see whether candidates understand the right tool for the right situation.
Candidates should be able to explain where AI was useful, where traditional software was more appropriate, how AI outputs were controlled, and what safeguards were implemented.
FAILURE RECOVERY
Something going wrong during development is normal.
What matters is how you respond.
Candidates should demonstrate their ability to investigate failures, identify root causes, implement fixes, test the solution again, and improve the design based on what they learned.
AI JUDGMENT IS ESPECIALLY IMPORTANT
A strong AI project is not simply an application with an AI API added to it.
Candidates should consider whether AI genuinely improves the workflow.
For example, deterministic business logic may be more reliable for certain financial calculations, while AI may be more useful for interpreting natural-language requests, summarizing information, or handling flexible user interactions.
Builders should be able to justify why each important AI component exists in their product.
FINTECH AND MONEY-RELATED ACTIONS
The AI Growth and Agentic Commerce track specifically emphasizes that every money action should be explainable, bounded, and gated.
An AI agent should not have unlimited authority to perform financial actions without appropriate controls.
A strong fintech project should demonstrate authorization, transaction limits, confirmation steps, validation, audit logs, and appropriate failure handling.
For financial applications, safety and reliability should be treated as core product requirements.
STIPEND AND DURATION
The opportunity offers a ₹75,000 monthly stipend.
Candidates can choose between a 6-month or 12-month duration.
This provides flexibility depending on the candidate's availability and career plans.
WORK LOCATION
The opportunity is in-person in Bangalore from September.
Candidates should be prepared to work from Bangalore and should indicate their ability to work in person from September when completing the application.
SELECTION PROCESS
The selection process is different from many conventional fresher hiring processes.
Shortlisted builders go directly to a panel.
The provided information specifically states that there is no aptitude test and no group discussion.
This means the project, GitHub repository, pitch, technical decisions, and ability to explain your work can play an important role in the selection process.
WHO CAN APPLY?
This opportunity can be considered by builders interested in AI, software engineering, fintech, automation, AI agents, payments, commerce, finance, and product development.
Students, developers, engineers, and other eligible applicants who can build and demonstrate a strong project should review the official application requirements.
Since the application asks for college and graduation year, candidates should provide accurate educational information.
WHY THIS OPPORTUNITY CAN BE USEFUL
This opportunity allows candidates to demonstrate actual technical and problem-solving ability instead of depending entirely on academic qualifications or resume keywords.
A strong project can showcase software development, AI implementation, product thinking, debugging, system design, and communication skills.
The experience can be useful for people interested in careers such as AI Engineer, Software Engineer, Machine Learning Engineer, Full Stack Developer, Backend Developer, Fintech Engineer, AI Agent Developer, and Product Engineer.
HOW TO BUILD A STRONG SUBMISSION
Start by selecting a specific and meaningful problem.
Avoid building an unnecessarily complicated system simply because the project uses AI.
Define the user and problem first and then determine where AI can provide genuine value.
Build a functional minimum viable product and make sure the core workflow works reliably.
Add appropriate validation and safeguards, particularly when your application interacts with payments or financial actions.
Keep your GitHub repository clean and properly documented.
Record a concise pitch video demonstrating the product.
Finally, be honest about failures and explain how you solved them.
COMMON MISTAKES TO AVOID
Do not build a generic chatbot and simply add a fintech label to it.
Do not use AI for tasks that can be handled more reliably through simple deterministic logic.
Do not submit a private GitHub repository when the application requires a public repository.
Do not make the pitch video purely theoretical. Demonstrate the actual product.
Do not hide failures. Explain what went wrong and what you learned.
Do not ignore security, authorization, auditability, validation, and failure handling when dealing with money-related workflows.
RAZORPAY BUILDATHON 2026 FAQs
What is the Razorpay Buildathon 2026?
It is an AI-focused building opportunity where participants select a track and create a working project addressing a meaningful problem.
How many tracks are available?
There are 5 tracks: AI Growth and Agentic Commerce, AI Risk Manager, AI Revenue Recovery, AI Finance Controller, and Open Track.
What is the stipend?
The opportunity offers ₹75,000 per month.
What is the duration?
Participants can choose between 6 months or 12 months.
Where is the opportunity based?
The opportunity is in-person in Bangalore from September.
Is there an aptitude test?
No. The provided information says shortlisted builders go directly to a panel with no aptitude test.
Is there a group discussion?
No. The provided information says there is no group discussion.
Is a resume required?
Yes. The application asks for a resume, but Razorpay emphasizes that it evaluates the work rather than the resume.
Is GitHub required?
Yes. Applicants need to provide a public GitHub repository URL for their build.
Is a video required?
Yes. Applicants need to submit a 5-minute pitch video. The video can be unlisted.
What should the pitch video contain?
Candidates should explain the problem, solution, product, technology, important decisions, and demonstrate the working project.
What does "What broke and how you got out" mean?
It asks candidates to describe a failure encountered during development and explain how they diagnosed and resolved it.
Which track should I choose?
Choose the track that best matches the problem you want to solve and the strongest skills you can demonstrate. If your project does not fit the defined themes, consider the Open Track.
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