Digital Transformation

Digital Sub-K

Empowering grassroots India through cutting-edge digital platforms, automated loan origination, AI-driven underwriting, and sub-second payment switches.

100%

Paperless Workflow

End-to-end digital onboarding & e-Sign

< 2s

Transaction Latency

ViTranS core switch routing speed

7M+

Digital Beneficiaries

Connected to mainstream banks

24×7

Service Availability

Mobile repayments & balance enquiry

Integrated Digital Stack

Fintech Platforms Powering Last-Mile Inclusion

From borrower mobile apps to core transaction switching, Sub-K designs, owns, and operates purpose-built technology that thrives even in low-bandwidth rural environments.

Mobile App

Sub-K Pay App

Effortless Microfinance EMI Repayments & Loan Tracking

A one-stop Android application enabling rural and semi-urban borrowers to track active loans, view disbursement status, pay EMIs seamlessly through UPI and net banking, and download instant payment receipts.

UPI, Debit Card, and Net Banking EMI payments

Instant digital payment receipts with official bank UTR

Multi-bank support: RBL Bank, Axis Bank, CSB Bank, and partners

Pre-computed EMI calculation and loan schedule visualization

Explore Sub-K Pay

Flagship Platform

Sub-K SARTHI 2.0

Financial Products & Services Management Platform

A comprehensive digital platform curating meaningful financial products packaged with value-added advisory, engineered to empower the underserved and augment rural entrepreneur productivity.

End-to-end integration across MFI, MSME, and Savings accounts

Value-added advisory engines tailored to bottom-of-the-pyramid needs

Real-time lead origination and eligibility scoring

Direct synchronization with partner bank core banking switches

Explore Sub-K SARTHI

Loan Origination

Sub-K μ-Fin

Microfinance Loan Origination & Paperless Processing

High-velocity digital loan onboarding suite allowing field officers and Bank Mitras to collect digital KYC, conduct e-Sign, evaluate household cash-flow metrics, and disburse credit in record time.

Paperless e-KYC validation via Aadhaar and PAN databases

Field personal discussion and geotagged dwelling verification

Automated bureau checks via CRIF, Equifax, and Experian

Accelerated turnaround times from days to hours

View in SARTHI Suite

Underwriting Engine

Sub-K μ-SURE

Microfinance Screening & Underwriting Rule Engine

Intelligent algorithmic credit risk engine combining surrogate data points, alternative repayment proxies, and bank credit policies to score thin-file rural borrowers responsibly.

Configurable credit rule matrices customized per partner bank

Fraud detection and identity de-duplication across networks

Dynamic credit limit suggestions matching borrower repayment capacity

Transparent rejection reason telemetry ensuring fair practices

View in SARTHI Suite

Core Technology

ViTranS Middleware

Sub-Second Transaction Switching & Banking Gateway

Sub-K’s proprietary enterprise transaction switch, built to sustain high volume, low-latency interoperable financial transactions across thousands of remote village kiosks and bank CBS.

Direct switch integration with NPCI (AePS, IMPS, UPI, BBPS)

Hardware Security Module (HSM) level cryptographic safety

Optimized for intermittent 2G/3G/4G connectivity with resilient queuing

Daily automated multi-bank reconciliation and commission ledger

Learn about ViTranS

Experience the Sub-K Pay App Today

Track microfinance loans, make instant digital payments, and download official receipts on your Android smartphone.

Go to Sub-K Pay App Explore Sub-K SARTHI