Who we are?

Perfios (PERsonal FInance One Stop – www.perfios.com) is a newage Fintech company that provides innovative solutions in the Personal Finance and related areas. The B2C Personal Finance Management (PFM) solution provided by Perfios offers a 360 degree view of one’s personal finance in an automated way and lets an end user track, monitor and manage her finance with very little manual intervention. It already has more than 5,00,000 registered users and has been deployed for more than 6 years now. Perfios is leveraging its core technologies in automating key aspects of certain common business processes in Financial Institutions.

Perfios Insights, a B2B solution used by various Banks, NBFCs and corporates automates the entire process of financial checks, verification and extraction of KYC details that is currently manually done. Perfios Insights can help in dramatically improving the turn-around time for processing an application (Loans, Credit Cards, Insurance etc.) whether it originated from an offline or an online channel, thus delighting the prospective clients. As a result, the entire operational process is improved, resulting in lower cost, higher accuracy, superior user experience and resulting increased user acquisition. So, any process that involves financial verification and underwriting can benefit from using Perfios solutions.

Perfios supports more than 1000+ different types of E-Statements and 250+ Financial Institutions for automatic fetch at its platform. Both the B2C and B2B solutions are used by various Banks, NBFCs and corporates as well as end users (B2C Solution).

The promoters and key executives at Perfios have had long, successful stints at organizations leveraging the best-of-the-breed technologies to build intuitive, secure software applications for the Banking and Financial Services (BFS) sector. The founding team members have served as C-level executives in several multinational organizations and have been instrumental in setting up and managing global delivery teams. The members have also successfully transformed several start-up software companies into large, public, profit-making enterprises.


V.R. Govindarajan (Govi)

As a co-founder, Director of Perfios, Govi is responsible for setting and executing the vision for the company and ensuring that Perfios becomes the most trusted name in the Personal Finance software space in India.

Debasish Chakraborty (DChak)

DChak is the Chief Technical nerd and co-founder of Perfios. Spending 22 years in the software industry cost him much of his hair. After surviving B. Tech and M. Tech programs respectively from IIT Kharagpur

Company Advisors