Saralya was founded in 2026 by two operators who spent two decades each inside Indian banking infrastructure. We saw the same pattern across 200+ deployments: small and mid-sized lenders forced to pay multi-crore upfront fees for legacy lending stacks, and forced to live with rigidity, long change cycles, and Excel as their real system of record.
We are building the alternative — modular, API-first, priced per loan. Designed so that a small bank or NBFC gets the same compliance backbone as a ₹50,000 Cr listed lender, without paying for it upfront.
RBI MD-FRM, DLD 2025, DPDP, the SBI vs. Rajesh Agarwal SCN ruling — these belong in the foundation. Bolting them on later is what creates inspection observations.
A small bank or NBFC should not need a ₹2 Cr capex decision to get modern infrastructure. Pay per loan changes who gets to compete.
Plug a single module into your existing core, or run the full stack. Either way, you keep your core banking, your CBS, and your relationships intact.
Saralya is built by people who have spent their careers inside Indian banking infrastructure — not founders who decided lending looks like an interesting wedge. Together, Vikas and Vishal have led platform decisions across more than 200 Indian financial institutions, including PSU banks, listed private banks, cooperative banks, RRBs and NBFCs.
IIT Delhi · 24+ years in banking technology
Vikas has spent his career inside the engine room of Indian banking. Before Saralya, he led platform engineering at Sopra Banking, Renovite and FIS, shipping core banking systems and payment switches across 200+ Indian banks — PSU, private and cooperative.
Second-time founder · Banking + payments operator
Vishal previously founded OneStack, building core banking systems and payment switches for cooperative banks and NBFCs. Earlier roles at Nando's India and Baxter Healthcare gave him the operating discipline to translate banking complexity into a product middle-layer NBFCs can actually buy.