Hardik Sarin
CO-FOUNDER & CEOLeads Graviton's strategy, product vision and customer success — reshaping how India's financial institutions build and deliver credit.
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.
Jaipur & Bengaluru · 2 officesSix products, one data modelCloud or on-premise
GRAVITON · BY THE NUMBERS
LIVE ACROSS INDIA
48+
Lenders in production
8M+
Applicants onboarded
4.2M+
Loans disbursed
₹0 Cr+
AUM managed
0
Products, one model
★ 0
Average on G2
Figures reported across lenders live on Graviton. Actuals vary by product mix and deployment scope.
RUNS ON GRAVITON AT 48+ BANKS & NBFCs
SK Finance
Baid Finserv
MS Fincap
Universal Fingrowth
SAFL
Khush Housing
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.
DeploymentCloud or on-premise
Data residencyIndia
ReportingRBI-aligned
AdoptionComposable modules
One platform, one data model
SIX PRODUCTS · ONE RECORD
ORIGINATE
Graviton LOS
Onboarding, KYC, underwriting, disbursal.
→
MANAGE
Graviton LMS
Servicing, schedules, the loan life.
→
COLLECT
Gravicollect
Buckets, field, reconciliation.
→
ONE DATA MODEL UNDERNEATH
Graviton BRE — rules
Accounting — the books
Graviton AI — intelligence
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., Aashish 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, six products
LOS, LMS, Gravicollect, BRE, Accounting and Graviton AI — one data model, 4.2M+ loans disbursed.
WHAT SETS US APART
Why lenders standardise on Graviton.
01
One platform, one data model
Six products share one record. Start with a module, grow into the suite without a re-integration.
02
Built for Indian lending
Bureau, KYC/CKYC, bank-statement analysis, GST, eNACH, UPI, RBI-aligned classification — native.
03
A roadmap you inherit
Every lender runs the same version and gets each improvement — documented and published.
04
Live in weeks, not quarters
Configured to your products and policy — Universal Fingrowth ran sales-to-collections in ten weeks.
LOAN PRODUCTS SERVED
Commercial vehicle
Loan against property
Personal
Gold
Warehouse receipt
BNPL
Co-lending
VISION
To become the technology backbone of modern lending — enabling financial institutions to deliver faster, smarter and more inclusive credit at scale.
MISSION
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.
Aashish Verma
CO-FOUNDER & CTODrives product innovation, platform scale and engineering — C#, Go, microservices, Flutter — building future-ready systems for banks and NBFCs.
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.
"Graviton took us from sales to collections on one platform, live in ten weeks."
Rahul MaheshwariManaging Director, Universal Fingrowth
WHERE WE ARE
Two offices, one team.
JaipurHQ
40 Shiv Vatika, Mangyawas,
Mansarovar, Jaipur, Rajasthan 302017
Bengaluru
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.