Sarvatra Technologies Pvt. Ltd. is a unique end-to-end solutions provider focused on enabling “Next-Generation Banking” technology deployment for Commercial Banks in private and public sector, UCBs, SCBs, DCCBs, RRB sand Credit Societies as well as Urban Banks.
Sarvatra’s focus, since its inception over 15 years ago, has not only been to develop innovative banking products, switching and payment solutions addressing the special requirements of the rural/co-operative banking sector, but also endeavoring to remove all budgetary, technological, operational, and infrastructural impediments faced by the sector. Today, we are a leading end-to-end solution provider for ‘alternate banking channels’, offering a range of RuPay Connectivity, IMPS, AEPS, and POS-based Branch Servicing solutions.
Sarvatra Technologies is a pioneer in developing payment solutions on NPCI platform. Our several firsts, including first ASP to enable sub-member banks on RuPay ATM, E-com, VAS, and IMPS. At present, we are enabling modern switching and payment services for over 400 banks across India.
Sarvatra Technologies deployed an IMPS Switch for ICICI Bank, one of the largest private banks in the country. This Switch is integrated with all existing channels of the bank and enables significant revenue generation and cost savings for the bank. This implementation has one of the best uptime, throughput, and reliability record in India and has been recognised and awarded by NPCI.
The company comprises of a stable management team that has worked together for 15+ years and possesses diverse experience in software, hardware, networking and banking sector. Our operations are managed by a team of professionals across all functions in all domains of banking, viz. Development (POS/Device to EFT switch), Technical Support, Sales/Marketing Support, Data Centre Management and Card Management.
Our vision is to become India’s premier banking technology solutions provider for banks and financial institutions across rural India by leveraging on our technological prowess, deep domain knowledge of the rural banking and finance sector and promote inclusive banking in the underbanked population of India by providing banking solutions that ‘work for everyone, everywhere’.
Sarvatra Technologies is a professionally managed company promoted by ICICI Bank, one of India’s largest private sector bank, Indian Overseas Bank (IOB), one of India’s largest public sector bank, Oracle Corporation, world’s 2nd largest software company, and Mr. Vallabh Bhanshali, Chairman of ENAM Group.
Our services are based on a Shared PCI-DSS Certified Environment along with all relevant ISO standards. Sarvatra has a “world-class” EFT Switch from CSFi and self-developed “Best in Class” IMPS switch. We have 115+ client banks for IMPS with 20 banks live.
With over 400+ client sub-member banks of NFS across more than 23 states & 3 union territories in India, Sarvatra is the predominant ASP in the country. Further, 230+ banks have already gone live on NFS (ATM) till date (with a market share of more than 54% share in the sub-membership model of the NFS).

Strategic Alliances

  • Oracle Corporation, as Oracle Certified Partner
  • National Payments Corporation of India (NPCI), umbrella organization for clearing all retail transactions in India
  • Sponsor Banks: HDFC Bank, ICICI Bank, YES Bank, Axis Bank, IndusInd Bank, IDBI Bank and State Bank of India for NFS’ sponsor bank model

Pioneering Achievements

  • India’s first ASP certified by NPCI to provide Switch-to-Switch connectivity under sub-membership model for nationwide connectivity through NFS’ ATM and IMPS network
  • Largest market share (54%) in RuPay NFS sub-membership as ASP
  • India’s first ASP to get a sub-member bank live on IMPS
  • India’s first ASP to get a sub-member bank live on RuPay Debit and RuPay E-com
  • Invented India’s first POS-based ATM
  • India’s first to develop IMPS Debit at Branch via web portal


“Transact with ease.”


“Building innovative technology solutions for financial institutions in India to help serve their customers.”