Possibilities of Making Banking Seamless

We are creating solutions that make banking smart, easy and instant, without compromising on our highly coveted personal touch. Our deeply customised, innovative products and unmatched services enable a secure, efficient and personalised consumer experience.

Our consumers can now conduct a host of their banking transactions digitally. Our digital banking follows our OPEN philosophy into every stage of the consumer lifecycle ─ from onboarding and transacting to servicing, underwriting and collections.

Leveraging high-end data analytics and optimising omnichannel experiences helps us preserve and strengthen our consumer connect. Our wide array of digital-first products reinforces hyper-personalisation and offers a simplified end-to-end journey to deliver a satisfying consumer experience.



Savings accounts sourced through tab banking*


Fixed deposits opened digitally


Video KYC enabled savings account**

* Digital tablet-based account opening process in fiscal 2022

** Non-salaried savings account



Personal loans disbursed digitally


Credit cards issued digitally


Credit cards – digital EMI conversion



New Mutual Fund SIP sales


New public provident fund accounts digitally acquired

The zero-based redesign philosophy keeps the consumer at the centre of innovation. With 0-operations forming the core of functioning, we continue to introduce and scale new products that requires minimal data entry and employs automated underwriting.
New launches


Offering additional discounts to our consumers who like to shop online with our partners ─ Amazon and Flipkart.

Merchant Cash Advance

Helping small merchants grow their businesses through timely cash infusion.

Digital Forex Cards

Reducing the hassle and time for consumers to get multi-currency forex cards for diverse needs.

Digital Auto Loans

Swift auto loans for consumers by doing away with physical documents.

Buy Now Pay Later

Providing digital loans to consumers ‘right there, right now’.

Digital Credit

Providing instant credit to consumers to manage their cash requirement.

Best Digital Lending

Private sector bank award at ASSOCHAM National E-Summit & Awards

We are building resilience by adopting the latest in technological advances, to achieve the highest standards of data security and privacy for our consumers. We are focused on developing our in-house tech, design, and AI capabilities guided by a sustainable governance structure.


Amongst the lowest UPI transaction failures

Data Architecture 3.0

Future ready initiative to auto- underwrite the next 100 million consumers


Customer facing application on cloud platform