About Bharatomni

Infrastructure, not a product company.

We build the connection layer between institutions and India’s financial system. We do not serve consumers. We do not compete with the institutions we work with. Everything we build is beneath your brand.

Our position

“We will never serve your customer.”

Bharatomni is pure infrastructure. We have no consumer brand, no direct distribution, and no intention to build one. Every product and every customer relationship belongs to the institution we work with. Our name never appears in your customer’s journey. Regulators require it; our business model requires it; and the institutions we work with demand it.

Founders

Built by people who have done this before.

Hemal Shah

22+ years · Fintech / Payments / BFSI

Built and scaled financial infrastructure across payments, lending, and cross-border corridors. Deep experience with regulatory frameworks on both sides of the India corridor.

Prem Joshi

25+ years · Fintech / Payments

Fintech and payments veteran with experience building settlement and reconciliation infrastructure across domestic and international payment rails.

Arpit Patel

15+ years · Technology / Product

Technology and product leadership across financial services. Responsible for the architecture and API design underlying the Bharatomni platform.

Entity

Where we are regulated and how we operate.

Legal entity

Bharat Omni Technologies Private Limited

Incorporated in India. Registered and operating from GIFT City International Financial Services Centre, Gandhinagar, Gujarat.

Regulatory status

IFSCA Sandbox Entity

Holds a Limited Use Authorization from the International Financial Services Centres Authority (IFSCA) under the IFSCA Regulatory Sandbox framework.

Active

Incubation

GIFT IFIH Resident Batch

Selected for and incubated at the GIFT IFIH Residential Batch Cohort — the GIFT City accelerator programme powered by Plug and Play.

Active

Contact

Tell us what you are trying to offer.

We work with banks, wealth managers, remittance operators, and NRE/NRO platforms. If you are serving global Indians and want to add India-linked products, this is the conversation to start.