About Smile Money
Empowering Digital India with innovative fintech solutions. We are committed to transforming retail stores into comprehensive financial service hubs through cutting-edge technology and customer-centric approach.
Who We Are
Smile Money is a leading Fintech Company established in 2020 by a team of passionate professionals with deep expertise in Technology and Finance. We believe in the power of digital transformation to create opportunities and drive financial inclusion across India.
We operate on a B2B2C model, where we partner with retail stores across India to offer Assisted Digital Financial Services. Our comprehensive platform enables retailers to provide services like Domestic Money Transfer (DMT), Aadhar Enabled Payments (AEPS), Utility Bill Payments, Mobile & DTH Recharges, Insurance Services, Cash Management Services for EMI/Cash drops, Payment services like Bharat QR, Indo-Nepal Money Remittances, Travel Bookings, and much more.
Smile Money has emerged as one of the most trusted and user-friendly platforms in the fintech industry. It is our continuous endeavor to provide an unmatched user experience through simple, accessible products and services that can be accessed anytime, anywhere.
We aspire to empower every Retail Store in Tier I, II, III, and Rural areas across India. We are a Window of Opportunity for retail outlets to leverage state-of-the-art technology and transform into comprehensive Fintech Marts.
Let's together "move ahead towards Atmanirbhar Bharat through Digitalisation by 'Being Digital' now!"
Our Approach
At Smile Money, we believe that technology should be accessible to everyone. Our platform is designed to be simple, intuitive, and powerful, enabling even small retail stores in remote areas to offer world-class financial services.
We provide comprehensive training, 24/7 support, and continuous innovation to ensure our partners succeed. Our robust technology infrastructure ensures high success rates, instant processing, and secure transactions.
By partnering with leading banks, financial institutions, and service providers, we ensure that our platform offers the widest range of services with competitive pricing and superior margins for our partners.
Innovation & Growth
Driving digital transformation across India with cutting-edge fintech solutions
Our Mission
To create the largest hyperlocal fintech network by empowering every retail store through state-of-the-art technology, making digital financial services accessible to every Indian, regardless of their location.
Our Vision
To be India's most trusted and comprehensive digital financial services platform, driving financial inclusion and economic empowerment across urban and rural India through innovation and excellence.
Our Core Values
Trust & Transparency
Building long-lasting relationships based on mutual trust, cooperation, and complete transparency in all our dealings.
Innovation
Continuously evolving and adopting cutting-edge technology to provide the best solutions.
Excellence
Committed to delivering legendary satisfaction through service excellence.
Customer First
Putting our partners and their customers at the center of everything we do.
Security
Ensuring the highest levels of security and data protection for all transactions.
Inclusivity
Making financial services accessible to everyone, contributing to the vision of Digital India.
Our Journey in Numbers
Building trust and creating impact across India
7+
Years of Excellence in Fintech
700
Active Partners Nationwide
50+
Services Offered
99.9%
Transaction Success Rate
500+
Cities & Towns Covered
24/7
Customer Support
Our Leadership
Our experienced leadership team brings together decades of expertise in technology, finance, and business development to drive Smile Money's mission forward.
Darshan Joshi
Founder & Director
Founder & Director With 4+ years in fintech strategy and ecosystem building, Darshan shapes Smile Money’s long-term vision and structured expansion. He focuses on scalable growth, strong financial partnerships, and building a trusted digital payments network across India.
Jay Gurjar
Founder & Director
With 5+ years of expertise in finance and new business development, Jay drives revenue strategy, strategic alliances, and new growth opportunities. His focus on sustainable financial models and expansion initiatives strengthens Smile Money’s competitive positioning.
Ronak Modi
Founder & Director
With 8+ years of hands-on fintech and operational leadership, Ronak plays a pivotal role in driving execution and network performance. He works closely across strategy, partner development, and operational excellence — ensuring Smile Money delivers reliability, transparency, and strong on-ground presence nationwide.
Join the Smile Money Family
Be part of India's digital revolution. Partner with us to transform your business and serve your community better.