India's next-gen digital bank
Zero-fee forex, UPI banking & SME lending for Bharat. Payzoplus is building a secure, scalable, and inclusive digital banking ecosystem for individuals, freelancers, and small businesses across India.
Our vision
To become India's most trusted digital banking ecosystem — enabling financial freedom for millions and redefining how Bharat saves, spends, invests, and grows wealth in a borderless economy.
Our mission
To empower every Indian — individuals, freelancers, and SMEs — with a zero-fee, technology-driven banking experience that is fast, transparent, and globally connected, through inclusivity, innovation, and trust.
Why India needs Payzoplus
A large, underserved market at the intersection of digital payments and full-stack banking.
Smart-banking gaps across Tier-2 / Tier-3 cities.
Growing demand from youth for fast, global, digital finance tools.
Affordable solutions for students, freelancers, and travelers.
Beyond payment apps — a complete financial ecosystem.
A mission to transform how India saves, spends, invests, and banks — digitally, globally, securely.
One platform, a full financial stack
Everything Bharat needs to save, spend, send, and grow.
Fast Wallet
UPI and secure digital payments — fast, familiar, and reliable.
Multi-Currency Cards
Seamless INR + forex usage, ideal for global needs.
International Remittance
Easy, affordable cross-border money transfers.
Digital Bank Account
Zero balance, fully mobile-based banking.
Investments
SIP, stocks, gold, and more — SEBI-compliant.
Insurance
Health, term life, and travel — IRDAI-compliant.
Buy Now, Pay Later
Instant credit for shopping & daily needs.
Core offerings
The differentiated wedge that drives acquisition and retention.
Instant Credit Access
Pre-approved credit lines of up to ₹1,00,000 with zero paperwork, based on transaction history.
3-in-1 Smart Account
Combines UPI, an RBI-compliant INR wallet, and an international USD wallet for seamless domestic and global transactions.
NRI Banking
Simplified UPI-based onboarding for NRIs with 0% forex fee on remittances — no more SWIFT delays.
Go-to-market strategy
Strategic Partnerships
Partnership tracks with banking & exchange infrastructure providers for rails and settlement.
Product Launch
Beta launch with core UPI and forex features.
Market Leadership
Category leadership and geographic expansion strategy.
Scale
Rapid user acquisition and feature-expansion phase.
Competitive landscape
Where incumbents fall short — and where Payzoplus wins.
Direct competitors
e.g., Jupiter, Fi Money, Niyo, Revolut
- High forex markup (2–3%) on international transactions.
- Limited SME financial tools.
- Weak penetration in Tier-2 and Tier-3 cities.
- Heavy reliance on traditional credit scoring.
Indirect competitors
e.g., PhonePe, Google Pay, Wise, PayPal
- Payment apps lack a full banking ecosystem.
- Higher international transfer costs.
- No integrated GST, invoicing, or AI expense analytics.
- Fragmented financial experience.
Growth targets
A clear, ambitious path to scale through FY31.
| Year | Users | Merchants | Transaction value |
|---|---|---|---|
| 2026 | 100K | 100K | ₹3,000 Cr |
| 2027 | 1 Million | 200K | ₹1.5 Lakh Cr |
| 2028 | 5 Million | 500K | ₹5 Lakh Cr |
| 2029 | 10 Million | 1 Million | ₹7.5 Lakh Cr |
| 2030–31 | 30 Million | 3 Million | ₹15 Lakh Cr |
Forward-looking projections for discussion purposes; actual results may vary.
Revenue model
Six diversified, compounding revenue streams.
Use of funds
Capital deployed for growth, product, and compliance.
Why invest in Payzoplus
Equity & ownership stake
Gain early equity in a high-growth fintech platform with scalable potential across digital banking, UPI, and embedded finance.
Strategic involvement
Optional advisory/board role for strategic investors — co-create the future of Indian fintech with an experienced founding team.
Attractive ROI & exits
Targeting 5x–10x returns over 3–5 years, with clear exit paths via acquisition, IPO, or investor buyback.
Early-investor privileges
Founding-investor branding, priority access to platform analytics, and preferred partner status in upcoming products.
Operators building for Bharat
Ajaj Mohammed Qureshi
Chief Executive Officer
Yogesh Dubey
CTO & Co-Founder
Aahish Dubey
Chief Finance Officer
Aafreen Khanam
Head of Human Resources
Sunny Sen
Product & Operations
Interested in investing?
Share a few details and our founding team will reach out with the full data room, deck, and financial model. All information is treated as strictly confidential.
Disclaimer: This page contains forward-looking statements, targets, and projections prepared for discussion with prospective investors. It does not constitute an offer or solicitation to buy or sell any securities, or investment advice. Past performance and projections are not guarantees of future results.