In a crowded fintech landscape, Kaleidofin stands out not just for its mission but for its method. Co-founded by Sucharita Mukherjee and Puneet Gupta, the Chennai-based startup is redefining financial inclusion through its unique “click-and-brick” model, blending digital technology with real-world connectivity.
While many neobanks rely solely on digital infrastructure, Kaleidofin integrates both online tools and offline networks to reach India’s underbanked population. This hybrid approach enables the company to offer customized financial solutions—including credit, savings, investments, and insurance—directly to individuals who are often excluded from traditional banking.
Kaleidofin partners with banks, NBFCs, MFIs, and NGOs, using AI-powered suitability engines to match users with goal-based financial products tailored to life events like education, health, or retirement. Its platform is built to scale efficiently while reducing the cost of service delivery, making financial products viable for even customers with minimal savings.
Recently, Kaleidofin secured $5.3 million in funding led by the IDH Farmfit Fund, bringing its total capital raised to $42 million. The new funding will help the company expand its lending portfolio and enhance its backend infrastructure.
Kaleidofin’s success lies in its ability to merge high-tech innovation with high-touch impact, creating a scalable blueprint for inclusive finance.