At Sarthi Money Private Limited (SMPL), We are the bridge between traditional banking institutions and the rapidly evolving landscape of financial technology. As a Corporate Business Correspondent Company for Banks and NBFCs, and a dynamic fintech enterprise, our mission is rooted in a powerful vision: to empower small retailers and shopkeepers to offer ethical banking services to rural customers.
Our cornerstone products include Domestic Money Transfer (DMT), Aadhaar Enabled Payment System (AEPS), and Mobile ATM (M-ATM), which form the backbone of our comprehensive suite of services. Alongside these, we offer cross-support products such as CMS, Recharge facilities, Insurance solutions, PAN card creation, and a range of other essential services tailored to meet the diverse needs of our clientele.
What sets us apart is our team. Comprising seasoned bankers and fintech professionals with extensive experience in financial inclusion and rural banking, we bring unparalleled expertise to the table. Our robust distribution network ensures widespread accessibility and seamless delivery of our services, empowering individuals and businesses in even the most remote corners of the country.
At Sarthi Money Private Limited, we are not just facilitating transactions; we are fostering financial inclusion, driving economic empowerment, and building stronger, more resilient communities. Join us on our journey to revolutionize banking for the underserved, one transaction at a time.
The founder has worked with Insurance Broker and financial adviser with experience of 5+ Year working,
Mr. Kinjal Vadgama is a seasoned professional with over 10 years of diverse banking experience spanning operations, sales, and distribution banking. He has worked with renowned institutions such as IndusInd Bank, Yes Bank, Jana Small Finance Bank, and Fino Payments Bank. Holding a PGDB degree and a B.Com qualification, Mr. Vadgama brings a wealth of knowledge and expertise to the financial services industry.
A rank holder at final Chartered accountancy examinations, Mr. Ashish head the department of direct taxation and handles tax audits, representation before assessment & appellate authorities. He also handles the project financing & Debt syndication department. Having experience of 20+ Years.
Mr. Ashok is a seasoned banking professional with over 25 years of experience in the industry. He has held the position of Deputy General Manager (DGM) at ADC Bank in Gujarat and previously served as a Director at Karnavati Co-operative Bank. Since 1999, he has been actively engaged as the Secretary of the Banker Club in Ahmedabad. Mr. Ashok has obtained certifications such as NISM Mutual Fund V and NSDL Derivatives VII, showcasing his proficiency in mutual fund investments and derivatives trading. His extensive experience and qualifications highlight his expertise in banking operations, regulatory compliance, and financial services.
Mr. Malik Nurani, a Bachelor of Commerce degree holder, is a prominent figure in risk mitigation. Currently, he leads the Risk and Compliance department, overseeing risk management within the company. Prior to this role, he served as the team lead of the Risk and Control Unit at Fino Payments Bank for 13 years, accumulating extensive experience in identifying and mitigating various fraud trends such as vishing, phishing, AEPS, and onboarding processes. He has also played a pivotal role in closing digital product vulnerabilities from a risk perspective. Notably, he spearheaded the implementation of dual-factor authentication mechanisms in AEPS transactions, a strategy later adopted by other banks under the directive of the Reserve Bank of India to the National Payments Corporation of India. With a total of 19 years of experience in banking and insurance, he has previously worked with DCB, IDBI intech and Bajaj Allianz Life Insurance.
With over 16 years of experience, Vikas Patel is a seasoned professional in the fields of distribution, insurance agency, and fintech. He has honed his skills as a Senior Manager, specializing in driving innovative business solutions to enhance processes, create value, generate revenue, and save costs. Throughout his career, Vikas has made significant contributions to esteemed organizations, including fino Payments Bank and various multinational corporations. His expertise spans across various sectors, showcasing his adaptability and versatility in navigating diverse business landscapes. Vikas thrives on challenges and is particularly passionate about rural banking distribution. His game-changing experiences have propelled him to seek new opportunities to revolutionize the way banking services are delivered in rural areas. With a track record of delivering tangible results and a forward-thinking approach, Vikas Patel is poised to drive growth and success in any organization he joins. His dedication, leadership, and strategic vision make him a valuable asset in today's dynamic business environment.
Mr. Nikunj Dhimmar is a seasoned retail banking professional with over 15 years of experience. In his latest role as Branch Manager at Yes Bank Ltd, he demonstrated strong leadership and strategic skills. With prior experience at Bandhan Bank, Jana Small Finance Bank, IndusInd Bank, and Kotak Mahindra Bank, Mr. Dhimmar brings a wealth of expertise in branch management, business development, and customer service. He is also IRDA certified, further enhancing his skills in the financial sector.
Mr. Solanki is a detail-oriented MIS & Operation with over 4.5 years of experience in fast-paced business environments. His background includes working in the Defense & Space industry at ISRO and holding a master's degree from National Commerce College in Ahmedabad. Currently, he spearheads International Money Transfer services at Fino Payments Bank in Gujarat and Maharashtra regions, collaborating with Ria Money Transfer Services. His expertise lies in optimizing operations and ensuring efficiency in service delivery
Mr. Mitesh Patel is a proficient professional with a Master of Computer Applications (MCA) degree and over 9+ years of experience in the technical field. His expertise lies in API integration, custom software development, and Search Engine Optimization (SEO). With a strong background in technical solutions, Mr. Patel excels in implementing API integrations, developing bespoke software, and enhancing online visibility through effective SEO strategies.
The founder has worked with Insurance Broker and financial adviser with experience of 5+ Year working,
Mr. Kinjal Vadgama is a seasoned professional with over 10 years of diverse banking experience spanning operations, sales, and distribution banking. He has worked with renowned institutions such as IndusInd Bank, Yes Bank, Jana Small Finance Bank, and Fino Payments Bank. Holding a PGDB degree and a B.Com qualification, Mr. Vadgama brings a wealth of knowledge and expertise to the financial services industry.
A rank holder at final Chartered accountancy examinations, Mr. Ashish head the department of direct taxation and handles tax audits, representation before assessment & appellate authorities. He also handles the project financing & Debt syndication department. Having experience of 20+ Years.
Mr. Ashok is a seasoned banking professional with over 25 years of experience in the industry. He has held the position of Deputy General Manager (DGM) at ADC Bank in Gujarat and previously served as a Director at Karnavati Co-operative Bank. Since 1999, he has been actively engaged as the Secretary of the Banker Club in Ahmedabad. Mr. Ashok has obtained certifications such as NISM Mutual Fund V and NSDL Derivatives VII, showcasing his proficiency in mutual fund investments and derivatives trading. His extensive experience and qualifications highlight his expertise in banking operations, regulatory compliance, and financial services.
Mr. Malik Nurani, a Bachelor of Commerce degree holder, is a prominent figure in risk mitigation. Currently, he leads the Risk and Compliance department, overseeing risk management within the company. Prior to this role, he served as the team lead of the Risk and Control Unit at Fino Payments Bank for 13 years, accumulating extensive experience in identifying and mitigating various fraud trends such as vishing, phishing, AEPS, and onboarding processes. He has also played a pivotal role in closing digital product vulnerabilities from a risk perspective. Notably, he spearheaded the implementation of dual-factor authentication mechanisms in AEPS transactions, a strategy later adopted by other banks under the directive of the Reserve Bank of India to the National Payments Corporation of India. With a total of 19 years of experience in banking and insurance, he has previously worked with DCB, IDBI intech and Bajaj Allianz Life Insurance.
With over 16 years of experience, Vikas Patel is a seasoned professional in the fields of distribution, insurance agency, and fintech. He has honed his skills as a Senior Manager, specializing in driving innovative business solutions to enhance processes, create value, generate revenue, and save costs. Throughout his career, Vikas has made significant contributions to esteemed organizations, including fino Payments Bank and various multinational corporations. His expertise spans across various sectors, showcasing his adaptability and versatility in navigating diverse business landscapes. Vikas thrives on challenges and is particularly passionate about rural banking distribution. His game-changing experiences have propelled him to seek new opportunities to revolutionize the way banking services are delivered in rural areas. With a track record of delivering tangible results and a forward-thinking approach, Vikas Patel is poised to drive growth and success in any organization he joins. His dedication, leadership, and strategic vision make him a valuable asset in today's dynamic business environment.
Mr. Nikunj Dhimmar is a seasoned retail banking professional with over 15 years of experience. In his latest role as Branch Manager at Yes Bank Ltd, he demonstrated strong leadership and strategic skills. With prior experience at Bandhan Bank, Jana Small Finance Bank, IndusInd Bank, and Kotak Mahindra Bank, Mr. Dhimmar brings a wealth of expertise in branch management, business development, and customer service. He is also IRDA certified, further enhancing his skills in the financial sector.
Mr. Solanki is a detail-oriented MIS & Operation with over 4.5 years of experience in fast-paced business environments. His background includes working in the Defense & Space industry at ISRO and holding a master's degree from National Commerce College in Ahmedabad. Currently, he spearheads International Money Transfer services at Fino Payments Bank in Gujarat and Maharashtra regions, collaborating with Ria Money Transfer Services. His expertise lies in optimizing operations and ensuring efficiency in service delivery
Mr. Mitesh Patel is a proficient professional with a Master of Computer Applications (MCA) degree and over 9+ years of experience in the technical field. His expertise lies in API integration, custom software development, and Search Engine Optimization (SEO). With a strong background in technical solutions, Mr. Patel excels in implementing API integrations, developing bespoke software, and enhancing online visibility through effective SEO strategies.
