It has been an exciting ride!
  • 2020

    Pilot with Flipkart

  • 2021

    Build for scale(More pilots)

  • 2022

    Found PMF and scale 40+ Partners

  • 2023

    Largest EWA platform 2M+ Users

Pilot with Flipkart

What Drives Us
Our Vision

Is to become the #1 financial app for all gig and blue collar workers to fulfill their financial and critical commerce needs.

Our Mission

Is to provide sustainable finance to all gig and blue collar workers and empower them to become financially resilient, build their earnings capabilities, and invest in their futures. We do this by offering earnings-linked credit and savings to bring them into the formal financial net, and then addressing their broader financial and commerce needs with deeper financial solutions built on our AI-powered KarmaScore

Meet the team


Karmalife Rohit Rathi CTO & Co-founder

Rohit Rathi

CEO & Co-founder

Ex-Founder of Notion Ink & Smartron. An IIT Kharagpur graduate, technology evangelist. 3x Entrepreneur 13+ years of startup experience

Karmalife Badal

Badal Malick

CBO & Co-founder

Ex-Snapdeal, Intuit, McKinsey, World Bank. A Yale University alumnus, Chevening Fellow. 15+ years of fintech experience

Karmalife Naveen Budda CTO & Co-Founder

Naveen Budda

CTO & Co-founder

Ex-Smartron & Samsung , has 10 patents in different areas, IIM Ahmedabad Alumni.20+ years of product & technology experience


Shishir Modi

Chief Growth officer

Ex-CoFounder & CBO - Forbes 30 under 30
IIT Kharagpur alumni 11+ years of startup experience

Karmalife Shabaz

Shabaz Ahmed

Head of Product

Ex-CoFounder Simply, Microsoft7+ years of product experience

Karmalife Sushitha


Head of Engineering

Ex-Smartron, Pronto networks 20+ years experience in backend & cloud systems

Karmalife Pallavi

Pallavi Bollampally

VP of Operations

Ex-Niki, Swiggy, Mphasis, Firstsource
IIM Lucknow Alumni15+ years of operating experience across telecom, BFSI & start-ups

KarmaLife Deepak

Deepak Bhardwaj

Head of Marketing

Ex-Smartron, Edelman11+ years of Digital Marketing & Branding experience

Amit Sarda

Head of Finance

Ex-Loadshare, HP (Hewlett Packard)11+ years of experience in Accounting & Finance

Abhishek Sharma

Head of Business

Ex-Vahan, Ex-Lalamove, Ex-Deloitte10+ years of experience in building and scaling Sales & Partnership functions across Fintech, Logistics and Mobility space

Shruthi Sriram

Head of People Experience

3+ years of Integrating the intersection of organizational psychology into the people systems of startups.

Prageet Nishant

Senior Credit Risk Manager

Over a decade of expertise in Credit and Risk management spanning across diverse industries including Telecom, Business Services, REITs, Semiconductor, Infrastructure and Power.

Our Lending Partners
Karmalife Lenden Club Logo
Nodal Officer
Karmalife Akara Logo
Nodal Officer
Karmalife Lendbox Logo
Nodal Officer
Karmalife Apollo Finvest Logo
Nodal Officer
Karmalife Avanti Finance Logo
Nodal Officer
Karmalife Niyogin Logo
Nodal Officer
Karmalife Lord Fincap Logo
Nodal Officer
Karmalife Any time Loan Logo
Nodal Officer
Karmalife Trillion Loans Logo
Nodal Officer
Get in touch
Pallavi Bollampally

Grievance Officer

Urban vault 1497, Ground Floor, 19th Main Rd, Sector 1, HSR Layout, Bengaluru, Karnataka 560102

+91 9986642141