About Sub-K

Sub-K is a digital financial intermediary that offers affordable, accessible and scalable financial and payment services to BoP segment. Sub-K seeks to bridge the digital divide, and create a ‘financially included’ society, through a robust and widespread retail distribution network and in-house Fintech solutions.

Sub-K bridges the financial divide between banks and un/underbanked population by effectively leveraging technology and local entrepreneurship. Sub-K creates a high-tech-high-touch operating infrastructure at the last mile to deliver meaningful financial services through a capital light model and a wide distribution network. Sub-K offers savings, credit, remittance, insurance, G2C, and B2C payments as a channel partner for formal financial institutions.

Unlike single product FinTechs and exclusive digital platforms, Sub-K’s innovation lies in offering diversified financial services through digital solutions coupled with last mile connectivity. As a result, our services are cost effective, customer centric, highly accessible, and crafted according to the needs of the financially and digitally excluded population.

Backed by strong impact investors such as BASIX social group enterprise, Michael & Susan Dell Foundation, Accion International, Nordic Microfinance Initiative, and MAJ Invest, Sub-K is a uniquely placed Fintech that is designed to be very flexible to partner with all kinds of financial institutions, be it banks, NBFCs, other Fintechs, insurance companies, brokerages, government systems etc., thus truly serving diverse needs of the end-customers.

Vision, Mission and Values


A World Class institution catalyzing equitable and sustainable growth


Together, we transform lives by enabling financial inclusion through innovation and excellence

Values CODE @ Sub-K

At Sub-K we live by our values CODE that define who we are and the
most important behaviours that everyone at Sub-K must demonstrate
at all times


  • Think and act as one team beyond roles and designations
  • Actively collaborate with people across the Organization to create impact
  • Display respect and empathy towards our people, partners and communicate at all time


  • Be accessible and responsive to people
  • Proactively and transparently communicate with teams & stakeholders
  • Be open to new information, ideas and opportunities


  •  Do what is right and empower others to make decisions
  • Display accountability& ownership in everything you do
  • Stay committed to the larger purpose at all times


  • Display agility and make continuous improvement
  • Display bias for action
  • Bring energy& dynamism to the teams you work with