Responsible Credit for Modern India
We're building India's most trusted micro-lending platform — where speed meets responsibility, technology meets inclusion, and every Indian gets access to the credit they deserve.
Why We Started KASHJET
India has over 400 million economically active adults who remain underserved by traditional banking. They are the delivery partners who keep our cities running, the shopkeepers who serve our neighborhoods, the freelancers who power our digital economy, and the young professionals building their careers in new-age companies.
When these individuals face an unexpected expense — a medical emergency, a vehicle repair, a rental deposit — their options are limited. Traditional banks require extensive paperwork, collateral, and weeks of processing. Informal lenders charge exploitative rates. And the cycle of financial exclusion continues.
KASHJET was born to break this cycle.
Founded in 2023 by a team of banking veterans and technology builders, KASHJET is a Lending Service Provider (LSP) that partners with RBI-registered NBFCs to deliver instant credit (₹2,000 to ₹2,00,000) through a fully digital, paperless process. Our proprietary AI-powered credit assessment engine evaluates over 200 data points to make fair lending decisions in real-time — enabling disbursement in under 30 minutes.
But speed is only half the story. We're obsessed with responsible lending. Every borrower sees their full cost of credit upfront. Every interaction follows RBI's Digital Lending Guidelines. Every recovery process is designed with dignity and empathy. We don't just want to lend fast — we want to lend right.
Today, KASHJET serves users across 12 states, with over ₹50 crore in credit disbursed. But we're just getting started. Our vision is to become India's most trusted financial companion — expanding beyond credit into savings, insurance, and financial wellness tools that help every Indian build a stronger financial future.
Our Mission
To democratize access to formal credit for every working Indian through a technology-first, regulation-compliant platform that is fast, transparent, and built on the principles of responsible lending. We aim to serve the financially underserved with dignity, enabling them to meet urgent financial needs without resorting to exploitative informal sources.
Our Vision
To become India's most trusted financial companion — a platform where every citizen can access credit, build savings, secure insurance, and grow their financial health through an intelligent, inclusive ecosystem. We envision a future where financial services are as accessible as sending a text message, regardless of geography, income level, or credit history.
Our Core Values
Six principles that guide every decision we make — from product design to customer interaction.
Transparency First
Every fee, charge, and interest rate is disclosed upfront — before you sign anything. No hidden charges, no surprises. We believe informed borrowers make better financial decisions.
Inclusive Access
Built for the 400 million Indians who deserve better access to formal credit — gig workers, small shopkeepers, freelancers, and salaried professionals across Tier 1, 2, and 3 cities.
Speed with Responsibility
Fast doesn't mean reckless. Our AI-powered underwriting enables sub-30-minute disbursement while maintaining rigorous credit assessment standards to prevent over-borrowing.
Borrower Dignity
We follow ethical collection practices with zero tolerance for harassment. Our recovery processes are designed with empathy, offering flexible repayment solutions during genuine hardship.
Regulatory Excellence
We don't just meet regulatory requirements — we exceed them. Full compliance with RBI Digital Lending Guidelines, PMLA, and the Digital Personal Data Protection Act is embedded in our DNA.
Continuous Innovation
From vernacular interfaces to AI-driven risk scoring, we continuously invest in technology that makes credit more accessible, affordable, and secure for every Indian.
The Team Behind KASHJET
A team of banking veterans, technologists, and compliance experts united by a shared mission.
Aravind Krishnamurthy
Co-Founder & CEOFormer VP at HDFC Bank with 14 years in consumer lending and digital transformation. IIM Ahmedabad alumnus.
Priya Sharma
Co-Founder & CTOEx-Engineering Lead at Paytm with deep expertise in scalable fintech architectures. B.Tech from IIT Bombay.
Rajesh Sharma
Chief Compliance OfficerFormer compliance head at Bajaj Finance. 18 years in regulatory compliance and risk management across leading NBFCs.
Meera Patel
VP – Product & DesignFormer product lead at PhonePe. Specializes in building inclusive, vernacular-first financial products for Bharat.
Key Milestones
Foundation
KASHJET Technologies Pvt. Ltd. incorporated in Indore. Core team of fintech and banking veterans assembled. Seed funding secured.
Product Development
Built proprietary credit assessment engine. Secured partnerships with 3 RBI-registered NBFCs. Completed security audits and compliance framework.
Beta Launch
Launched closed beta with 10,000 users across Indore, Bangalore, and Mumbai. Achieved 97% customer satisfaction in pilot phase. Refined underwriting models.
Public Launch
Full public launch across 12 states. Crossed ₹10 Cr in disbursements. Expanded to 5 NBFC partnerships. Launched Hindi language support.
Scale & Recognition
Reached 1 lakh registered users. Crossed ₹50 Cr cumulative disbursement. Featured in Economic Times and YourStory as a rising fintech startup. Expanded team to 85+.
Next Chapter
Expanding to 22 states. Building Product Ecosystem with savings, insurance, and credit building tools. Targeting 10L users by year-end. Series A fundraise underway.
Regulatory Framework
Operating within India's regulatory framework ensures the safety and trust of every user.