We build the backbone of modern lending.
Graviton is the platform 48+ banks and NBFCs run their lending on — origination to collections to the books, on one data model. One conviction holds it together: lending in India deserves infrastructure, not paperwork.
Figures reported across lenders live on Graviton. Actuals vary by product mix and deployment scope.
WHO WE ARE
A software company for the business of lending.
Kugelblitz builds Graviton — a full-stack lending platform for banks, NBFCs, housing finance companies and microfinance institutions. Origination, management, collections, a business rules engine, accounting and AI, all on a single data model, deployed in the cloud or on-premise. Every institution runs the same versioned platform and inherits every improvement we ship.
OUR JOURNEY
It started on a flight.
New York to New Delhi: Hardik and Rishabh decided to build for India's financial systems. At 4 a.m., Ashish made it three. The conviction never changed.
Graviton is born
Launched to fix paper-based delivery and identity access in financial services.
First customer — The Three Finance
The beta ships to a live NBFC book — the platform learns real lending from day one.
Kugelblitz Private Limited incorporated
The company forms around the product; Zeropay builds its entire BNPL and FLDG business on the Graviton API layer.
Full-suite deployments
Universal Fingrowth goes live end-to-end — sales to collections — in ten weeks.
48+ lenders, seven products
LOS, LMS, Gravicollect, BRE, Accounting, Graviton AI and Gravisights — one data model, 4.2M+ loans disbursed, ₹30,000 Cr+ AUM managed.
WHAT SETS US APART
Why lenders standardise on Graviton.
One platform, one data model
Seven products share one record. Start with a module, grow into the suite without a re-integration.
Built for Indian lending
Bureau, KYC/CKYC, bank-statement analysis, GST, eNACH, UPI, RBI-aligned classification — native.
A roadmap you inherit
Every lender runs the same version and gets each improvement — documented and published.
Live in weeks, not quarters
Configured to your products and policy — Universal Fingrowth ran sales-to-collections in ten weeks.
To become the technology backbone of modern lending — enabling financial institutions to deliver faster, smarter and more inclusive credit at scale.
To empower banks, NBFCs and fintechs with intelligent lending infrastructure that automates workflows, accelerates credit decisioning and drives sustainable growth.
LEADERSHIP
The visionaries behind Graviton.
Hardik Sarin
CO-FOUNDER & CEOLeads Graviton's strategy, product vision and customer success — reshaping how India's financial institutions build and deliver credit.
Read profile →
Ashish Verma
CO-FOUNDER & CTOLeads the engineering vision — distributed architectures, core accounting ledgers and real-time decision engines in Java, Rust, Go and Python — building the high-throughput systems banks and NBFCs run on.
Read profile →
Rishabh Mehrotra
CO-FOUNDER & VPLeads business and operations — execution, client engagement, adoption and expansion — so every lender that goes live stays and grows on Graviton.
Read profile →"Graviton took us from sales to collections on one platform, live in ten weeks."
WHERE WE ARE
Two offices, one team.
40 Shiv Vatika, Mangyawas,
Mansarovar, Jaipur, Rajasthan 302017
B-091 Commander's Glory,
Vidyaranyapura, Bengaluru, Karnataka 560097
Honest solutions, lasting relationships.
Designed for humans, not systems. See the platform, meet the team, or come build it with us.