About Us
25+ Years of Payments Technology Infrastructure
Across 10 Indian national schemes, 700+ banks, and a CBDC programme powering close to half of India's retail CBDC market
Sarvatra Technologies helps banks and payment service providers build and operate the full spectrum of payment infrastructure, instant A2A rails, card processing, CBDC and digital identity payments. Trusted by more than a third of India’s banks across 10 National Schemes, we are now extending that depth of capability to Europe.
OUR JOURNEY
A quarter-century at the heart of India's financial transformation
Sarvatra’s story is not one of technology for its own sake; it is the story of a country building its financial infrastructure from the ground up and a company that chose to be present, and useful, at every stage of that journey.
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The Late 1990s
A gap hiding in plain sight
In the India of the late 1990s, community and cooperative banks served millions of people across the country — farmers, traders, small business owners, daily workers. But the digital payment infrastructure being built for urban India had not yet extended to these institutions. There were no debit cards, no ATMs, no way to transact beyond the single branch where your account was held. Money was real. Access was not. It was this gap — consequential, addressable, and largely unattended by the technology industry — that became the founding impulse for Sarvatra.
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2000: The Founding
Built to reach everywhere
The company was named Sarvatra — the Sanskrit word for 'everywhere' — and the name was a mission statement before it was a brand. The founding conviction was uncomplicated: modern banking technology should reach every institution, however small, and through those institutions, every person, however remote. India in 2000 was at the beginning of one of the most consequential economic transformations any country had undertaken. Sarvatra's founding placed it at the implementation layer of that transformation — working with the community banking institutions that were already trusted by millions, and equipping them with the technology to participate in what India's financial system was becoming.
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The 2010s
India's sovereign infrastructure moment
India made a deliberate choice in this decade: to build its own payment infrastructure — national rails, shared standards, a common digital identity layer — rather than depend on international networks. It was one of the most ambitious financial technology programmes undertaken by any government, and it moved fast. Sarvatra's role was to extend that infrastructure to the full breadth of India's banking ecosystem. As each new national scheme came online, Sarvatra built the connectivity that allowed cooperative banks, credit societies, and regional lenders to participate alongside the country's largest institutions — ensuring that a community bank account carried the same capabilities, the same reach, and the same possibilities as any account in the system.
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2016 to 2020
Resilient plumbing
India's 2016 demonetisation — when the government withdrew high-value banknotes overnight — and the pandemic pushed India's sovereign payment schemes to evolve rapidly and operate at scales they had never previously encountered. For Sarvatra, these were periods of significant growth — new customers, new scheme integrations, and deeper engagement across the ecosystem. The focus on building superior, reliable payment products meant that when the system needed to expand quickly, Sarvatra was ready. Pressure, in both instances, became opportunity.
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Today
A new chapter begins
Today, Sarvatra's infrastructure spans ten national payment schemes and serves more than 1,300 financial institutions across India — 700+ banks and 600+ credit societies — processing over three billion transactions every month at peak throughputs that place it among the most demanding payment environments in the world. From real-time A2A rails and national card networks to CBDC platforms, biometric payments, and digital identity services, the breadth of what has been built over 25+ years reflects the full arc of India's payment transformation. That depth of experience in payments technology is what Sarvatra now brings to Europe. Helsinki is where that next chapter begins.
OUR PLATFORM
India's Most Comprehensive Payment Platform
Sarvatra’s payment platforms touches every layer of India’s financial infrastructure, from instant payments from Instant payments and card processing to CBDC and digital identity. Each capability is live, certified, and operating at scale. Below are the most prominent of our products.
CBDC EXPERIENCE
From design to 50% of India's retail CBDC market
Industry Recognition
Sarvatra was the only Technology Service Provider involved in co-designing the bank side architecture of India’s digital rupee alongside the Reserve Bank of India and NPCI.
As the exclusive technology partner to the four banks selected for the RBI’s inaugural pilot in December 2022, Sarvatra took the platform from design to live operations, supporting P2P, P2M, offline NFC payments, alias-based transfers, waterfall funding logic, programmable digital currency, and conditional payments across successive regulatory mandates.
Today, Sarvatra’s CBDC platform powers live deployments for 10 of India’s 22 largest banks, representing approximately half of India’s retail CBDC market.
That depth of execution has been recognised across Asia and global forums, with eight awards between 2025 and 2026 across innovation, payments, and ESG, including Innovation in FinTech Gold at the Asia-Pacific Stevie Awards, B2B Payments Innovation Award at The Global FinTech Awards, and FinTech for Good at the Global FinTech Awards GFF.
SCALE & DEPTH
Numbers that define the track record
Built and operated under central bank oversight, across India’s most demanding regulated environments.
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WHAT SETS US APART
Three things that define a Sarvatra engagement
1. Deep Payments Expertise
Sarvatra has built its expertise by staying put, supporting regulators, scheme operators, and PSPs through successive scheme versions, regulatory cycles, and compliance mandates. That continuity has produced an organisational memory specific to the payments industry, running through every function, from engineering and QA to compliance and information security, and everything in between. That rigour, and that specificity, is what we bring to every engagement.
2. Build to Operations, We Stay
For any scheme Sarvatra supports, the engagement can go beyond software delivery. Sarvatra offers the full stack solution development, system integration with existing PSP infrastructure, scheme certification support, production operations, monitoring, and specialist resources to run it day to day. A PSP can choose the level of engagement that fits its own capability and context, from taking the software and running it independently, to handing the operational responsibility to Sarvatra entirely.
3. Multiple Deployment Models
Sarvatra has delivered payment infrastructure across the full spectrum of financial institutions, large banks, mid-sized PSPs, and smaller cooperative institutions and that breadth has shaped a flexible deployment model to match. Depending on the institution’s context, infrastructure preferences, and regulatory requirements, Sarvatra can deploy fully on-premises, on a private cloud, or as a SaaS solution.
OUR EUROPEAN PRESENCE
Helsinki is where our European chapter begins
Sarvatra has incorporated a European subsidiary in Helsinki, Finland, our base for building the local team, regulatory foundation, and operational capabilities required to serve European financial institutions. Our strategic focus in Europe centres on enabling PSPs across Europe on Digital Euro, SEPA Instant, Digital Assets, and other real-time payment schemes.
