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About Us

Banking is often perceived as an onslaught of heavy, jargon-filled communications, poor customer service, and unwanted, irrelevant notifications. Does it have to be so difficult?

Absolutely not. At Niyo, we are focused on creating banking that is simpler, smarter and safer for our customers by simplifying finance with technology.


Year of Inception

Total Funding


Total Funding

Team Strength


Team Strength

Our Team

Our eclectic team brings together the best of the banking industry and technology, along with a mosaic of other backgrounds. We take a holistic approach to developing a well-rounded team, and value not only expertise, but also perspective, discipline and bias for action.

Company Values

Bias For Action

Whenever the opportunity presents itself, we aim to make decisions quickly and act upon them.

Ownership & Teamwork

We take responsibility for what we do, work collaboratively and ensure that everything is seen to the end.

Customer Focus

All that we do is with the customer in mind.


We take no shortcuts. Honesty is at the core of everything we do.


We bring new ideas to the table and bring them to fruition.

The Founders


Vinay Bagri

Co-Founder and CEO

Vinay has spent 18 years in the corporate world working with diverse organisations like Parle, 3M, ICICI Bank, Standard Chartered, ING, and Kotak Mahindra Bank. Of Niyo’s values, customer focus stands out to him. “We are absolutely paranoid about ensuring value to the user and experience to the user.

Outside of the office: Vinay enjoys playing badminton and is keen to pick up salsa dancing.

Virender Bisht

Founder and CTO

Virender is a seasoned technology professional with 16 years of experience in creating world-class software products. After seeing both the positive and challenging aspects of corporate culture, Viren sees Niyo’s core values as a means to keep the organization grounded. “They reflect what an ideal organization should look like.”

Outside of the office: Viren enjoys running and is expanding his knowledge and understanding of music.

Our Investors