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Vertical foundational models are emerging as cost-effective, domain-specific AI alternatives for payments, healthcare, agriculture, and finance. Razorpay's Vulcan, Fractal's Vaidya.ai, and BharatGen's ParamAgri and ParamLegal lead the shift. Adapting an existing 7-13B model costs ₹40 Lakh to ₹3 Cr, while building from scratch ranges ₹80 Cr to ₹150 Cr.
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