14 lakhs+

High-performing
(Merchants) Adhikari Network

2 lakh

Villages served with 20+
financial and digital products

18,500+

Pincodes
covered

1 lakhs+

Micro-ATM
network

2 lakhs+

Villages
covered

150 lakhs+

Customer
base

95%

Pincodes covered
in Rural Bharat

Our Story

Unbundling and Rebundling Banking services for Emgerging India

We provide banking services and more to customers in the remotest corners through a unique phygital delivery model, driven by our robust network of (Merchants) Adhikaris.

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Building on India’s digital public infrastructure

India has established an extensive digital public infrastructure called India Stack, unlocking essential economic building. We are leveraging this digital stack to build a financial inclusion network across the country.

Current
Digital Stacks

Internet

Internet penetration in rural 336 lakhs users

JAM

460 lakhs Jan Dhan Bank Accounts, 1300 lakhs Aadhaar penetration

AePS

Biometric identity stack enabling payments

UPI

Instant digital payments

BBPS

Bharat Bill Pay - democratizing bill payments

UMANG

Government to citizen services

Emerging
Digital Stacks

Democratizing commerce

Democratizing credit

Account Aggregator -
leveraging power of data

Udyam Adhaar

Digital Health ID

Business model

Innovating for Bharat

We've designed an innovative ecosystem, effectively catering to lakhs in underserved Bharat—individuals and small businesses with unique small-ticket financial products.

Multi-Service Digital Platform

  • Dependable one-stop multi-service shop, saving time, effort, confusion in dealing with multiple entities

Ecosystem Value Distribution

  • For Customers: Easy access to various services
  • For (Merchants) Adhikaris: Investment business opportunity
  • For Service Providers: Cost-effective access to hard-to-reach customers

Open-Network Assisted Digital Distribution

  • Local representatives (Merchants) Adhikaris operating booths in remote areas within short home/workplace radius

Fostering Local Connect

  • Reliance on familiar faces in community
  • Trained, digitally-proficient (Merchants) Adhikaris as service enablers

Digital Public Infrastructure

  • Leveraging current digital stacks like JAM, AePS, BBPS and UMANG to provide access to Bharat

Designed for Ease of Adoption

  • Aadhaar-enabled Payment Systems (AePS), mobile ATMs as an alternate to sparse physical ATMs
  • Bharat Bill Payment System to enable cash collections from agents / rural consumers

Flexible Repayment Schedules

  • Daily repayment of loans for nanoprenuers matching with their cash flows

Investors

Nurturing long-lasting
relationships to create value

QUARTERLY REPORT
DiGiSPICE Technologies announces Financial Results of Third Quarter and Nine Months ended 31 Dec 2023
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Integrated Annual
Report 2022-23

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FINANCIALS & FILINGS
DiGiSPICE Technologies view the complete financial highlights for the last three years
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