In the entrepreneurial world, Cashcow is refer to steady income or profit. When alumnus of IIT Delhi, Gaurav Goyal decided to take a plunge and founded B2C fintech platform that brings banking services to borrower's doorstep, this name fit the bill perfectly.

In this digital world, where everything is available at a click of a button, then how can banking lack behind. is revolutionizing the fintech space by bringing banking to customer’s doorstep. Their certified advisors are available to help their customers for any of their financial needs. Cashcow having tie-ups with over 50 banks & NBFCs has proven capability to offer best in market product spectrum and fit-to-suit solutions to fulfill varied consumer needs i.e. home loans, personal loans, credit cards, balance transfer and top-up loans.

Within a short span of 4 months Cashcow has been able to spread their wings to Mumbai, Delhi (NCR), Hyderabad, Chennai, Ahmadabad, Nagpur and served 1000+ customers, disbursed 80+ Cr worth of loans and set up 1000+ credit cards.

“I believe that problems bring opportunities and opportunities bring purpose, and that purpose in a big way ignited the entrepreneurs within us. Apart from aspiring to build a profitable venture and disrupt the way people do banking today, the larger vision is to nurture and empower entrepreneurship to masses as Cashcow advisors and what more if this comes without any investment,” says Gaurav Goyal, Founder,

Apart from this, Cashcow is empowering entrepreneurship among the masses. Without any investment, you can become an advisor on Cashcow app. Post installation Cashcow ap, you can start referring leads and start earning. Once you become a certified advisor, post clearing their certifications for various products, you can start getting business from the company.

“Our Advisor can be a housewife, a retired professional, an LIC agent, a chartered accountant, a real estate agent or any other section of society, who is keen to become an entrepreneur. We are able to empower entrepreneurship to 150+ Advisors which comes from various backgrounds,” says Goyal.

Meet the Brains Behind it founders

Cashcow was founded by four members coming from diverse backgrounds with years of professional experience at large conglomerates. Goyal brings technology and product experience to the forefront of Cashcow business operations; Manish Aggarwal an MBA from IMT Gaziabad, is the banking brain with rich industry experience; Sarfraz Nawaz who holds a M.Com, from Mumbai University is an astute sales and distribution expert from financial domain and born Out-Of-Home business entrepreneur whereas Mustafa Patanwala compliments as cashow’s ‘A’ Team.

Founders had been kindling with this idea for some time as to how the invent of successful aggregation platforms are transforming industry value chains. These disruptions are redefining consumer experience along with value creation for those associated with it and for Goyal and his team it was the Ahhh moment for them. It was quick thereafter as they huddled to successfully deliver an integrated aggregation platform that offers end-to-end banking solutions at customer’s doorstep. they charted on this journey early this year and began their commercial operations in February 2017.

As it says, success never come with ease and for Goyal and his team one of the biggest challenge they faced was finding, acquiring and retaining good talent, which is the most challenging part of today's competitive world. According to Goyal, they invested good amount of time on training their advisors hence it took some time to overcome this challenge.

“We are a passionate 40+ member team and will be rapidly expanding our operations nationally. We have plans to hire good talent in our technology, business and data science team. Initially it was difficult to identify and retain good talent, however with our comprehensive training and development program we have not only retained but kept our teams motivated,” says Goyal.

All About it's Technology

Their technology solution is completely cloud based, where data protection and safety is one of our biggest priority. They claim to use latest da'ta science tools to analyse cross sell opportunities for our advisors and end consumer. “We are using android based mobile application with real time statistics to empower every advisor connected with us feel transparent on our business dealings. We want to enable every end user with hassle free sign up procedure,” informs Goyal.

Cashcow application enables their partners to view real time product wise with expected income for referred cases. Their user friendly application enables stage wise status of each product like home loan whether it is sanctioned and ready for disbursement. Every status change is intimated via notification, SMS and email. All payment received from bank and payout given to our advisor gets captured on real time basis.

“We are working towards aggregating all platforms required for consumer from instant loan like small ticket Personal loan to high ticket housing loans,” says Goyal.

They generate their revenues from banks and NBFCs on loans and cards fulfilled through their platform. “Our commissions varies from product to product & from financial institution to NBFCs. Typically commissions are in the range of 1% - 3% of the amount of loan disbursed,” informs Goyal.

Way Forward

Founded with the initial investment of $150k which has been arranged internally amongst co-founders, team is now looking to raise $2 million as seed fund, which would help them to fuel their expansion plans in terms of market reach, product portfolio, technology and people.

If we talk about the number of repetitive customers they have, Goyal says, today their customers categorize to home loans (70%), personal loans (17%) and credit cards (13%).

Despite competing with the traditional DSAs, who have been in the market for long time, Cashcow’s mission to empower entrepreneurship enables them to stand strong in the market. “Our training about product knowledge, certifications for advisors and unique processes around lead fulfilment allows us to proudly say that we are a game changer in this space,” says Goyal.

Goyal wants to include more banking products in their kitty which includes insurance, mutual funds etc. along with a pan India footprint across all major cities including 2/3 tier towns.” Our vision is to bring convenience and empower entrepreneurship to Indian masses,” concludes Goyal.

Huge Opportunity

In the coming 2 to 3 years we envisage a huge opportunity in fintech space, riding on massive technology explosion. As per NASSCOM the global fintech technology and services sector is expected to boom as a $45 billion opportunity by 2020, growing at a compounded annual growth rate of 7.1 percent. With a dynamic and evolving fintech ecosystem coupled with huge market opportunity that India offers, we believe it's just at the cusp of a revolution.

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