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Complete Banking &
Financial Services
Under One Roof

From everyday savings to complex corporate finance — Vivatech gives you every financial tool you need, in one beautifully secure platform.

Total Portfolio ● Live
₹12,48,350.00
+₹1,24,000 this month (+18.4%)
Savings
₹4.8L
+8.2%
Investments
₹6.2L
+22.3%
Insurance Cover
₹1Cr
Active
Loan Balance
₹1.4L
Reducing
Net Worth Growth — 7 months
📈
SIP Return
+22.3%
Complete Service Suite

Banking & Financial Services —
Everything You Need

70+ products across 9 service categories. One platform. One login.

Savings Account
High-yield savings with up to 7.5% interest p.a. Zero minimum balance. Instant digital account opening.
Up to 7.5% p.a.
Current Account
Zero minimum balance, unlimited transactions, real-time notifications, and overdraft facilities.
Zero Fee
Fixed Deposits (FD)
Guaranteed returns up to 8.25% p.a. for tenors from 7 days to 10 years. Auto-renewal option.
Up to 8.25% p.a.
Recurring Deposits (RD)
Build a savings habit with as little as ₹100/month. Earn fixed interest over 6–120 months.
From ₹100/month
Debit & Prepaid Cards
Visa/Mastercard/RuPay debit cards with contactless payments, virtual card, and spending controls.
Contactless Ready
Credit Cards
Up to 5% cashback, airport lounge access, zero joining fee in year one, and EMI on all purchases.
5% Cashback
Safe Deposit Locker
Bank-grade physical lockers for gold, documents, and valuables. 24/7 access at all branches.
High Security
National Pension System (NPS)
Retire confidently. Open NPS Tier I & II accounts with tax benefits up to ₹2L under 80C & 80CCD.
Tax Benefit
Home Loan
Purchase or construct your dream home. Rates from 8.5% p.a. with tenors up to 30 years and balance transfer.
From 8.5% p.a.
Personal Loan
Instant approval up to ₹40L with disbursal in 2 hours. Rates from 9.99% p.a. No collateral needed.
2-Hour Disbursal
Vehicle Loan
New & used cars, two-wheelers, and commercial vehicles. Up to 100% on-road funding at 8.0% p.a.
100% On-Road
Education Loan
Fund studies in India or abroad. Covers tuition, hostel, travel & equipment. Repayment starts after course.
Study Abroad
Gold Loan
Unlock the value of your gold jewellery. Get up to 75% LTV at rates from 7.5% p.a. in 30 minutes.
30-Min Approval
Loan Against Property
Leverage residential or commercial property for large funds. Up to ₹10Cr at rates from 8.75% p.a.
Up to ₹10 Cr
Business Loan
Unsecured credit up to ₹2Cr for SMEs. Collateral-free. Minimal documentation. Approval in 48 hours.
Collateral-Free
Overdraft Facility
Flexible credit line on your savings or current account. Pay interest only on the amount used.
Pay-As-You-Use
Stock Trading (Demat)
Open a Demat + Trading account and invest in 5,000+ NSE/BSE listed stocks with ₹0 delivery brokerage.
₹0 Delivery
Mutual Funds & SIP
1,000+ direct mutual funds across equity, debt, hybrid, and index categories. Start SIP from ₹100/month.
SIP from ₹100
Bonds & Debentures
Invest in government securities, RBI bonds, and corporate NCDs. Fixed income with sovereign safety.
Sovereign Safety
ETFs & Index Funds
Track NIFTY 50, Sensex, gold, and international indices with low-cost exchange-traded funds.
Low Cost
IPO Applications
Apply seamlessly via ASBA/UPI for upcoming IPOs. Real-time allotment status and refund tracking.
ASBA/UPI
Digital Gold & SGBs
Buy 24K digital gold from ₹1 or invest in RBI-issued Sovereign Gold Bonds with 2.5% interest.
From ₹1
International Investing
Invest in US stocks (Apple, Tesla, Google) and global ETFs through our LRS-compliant platform.
US Stocks
Robo-Advisory (AI)
AI-powered portfolio building based on your risk profile, goals, and time horizon. Fully automated rebalancing.
AI-Managed
Life Insurance (Term)
Pure protection plan with up to ₹10 Cr cover. Premiums from ₹479/month. Claim settlement ratio: 99.1%.
99.1% Claim Ratio
Health Insurance
Comprehensive family floater covers up to ₹2 Cr. Includes day care, pre/post hospitalisation, and OPD.
Up to ₹2 Cr Cover
Motor Insurance
Third-party and comprehensive cover for cars & two-wheelers. Instant policy. Cashless garages across India.
Cashless Garages
Travel Insurance
Covers trip cancellation, medical emergencies, lost baggage, and passport loss in 190+ countries.
190+ Countries
Home Insurance
Protect your home and contents against fire, theft, natural disasters, and structural damage.
Structure + Content
ULIP (Unit-Linked)
Insurance + investment in one plan. Market-linked returns with life cover and tax benefits under 80C.
Dual Benefit
Business Insurance
Fire, marine cargo, worker's compensation, and directors & officers (D&O) liability cover for enterprises.
Enterprise Grade
Critical Illness Cover
Lump sum payout on diagnosis of 30+ critical illnesses including cancer, heart attack, and stroke.
30+ Illnesses
Business Current Account
Multi-user access, bulk NEFT/RTGS, cheque facility, and API banking for growing businesses.
API Banking
Payroll Management
Automate salary disbursals for unlimited employees. Includes PF, ESIC, and TDS calculations.
Auto-Compliance
GST-Ready Invoicing
Create, send, and track GST-compliant invoices. Auto-fill GSTIN details and one-click tax filing.
One-Click GST
POS & Payment Gateway
Accept card, UPI, and net banking payments online and in-store. T+1 settlement. 99.9% uptime SLA.
T+1 Settlement
Trade Finance
Letters of credit (LC), bank guarantees (BG), buyer's & supplier's credit for import/export businesses.
LC & BG
Cash Management Services
Liquidity management, bulk collections, virtual accounts, and cash pooling for enterprises.
Virtual Accounts
Working Capital Finance
CC limits, WCDL, invoice discounting, and channel financing to keep your operations running smoothly.
Invoice Discounting
MSME Lending
Collateral-free credit under CGTMSE scheme for micro, small, and medium enterprises up to ₹5 Cr.
CGTMSE Backed
Investment Banking Advisory
Strategic M&A advisory, corporate restructuring, and due diligence support for large transactions.
M&A Advisory
IPO & Equity Underwriting
Book running lead management, QIP, rights issue, and FCCB structuring for capital market transactions.
Book Running
Project Finance
Structured lending for infrastructure, energy, and real estate projects. Term loans, ECB, and mezzanine debt.
Infrastructure
Syndicated Loans
Lead arranger and co-arranger roles for large credit facilities syndicated across multiple lenders.
Lead Arranger
Treasury & Derivatives
Forex hedging, interest rate swaps, cross-currency swaps, and structured products for corporates.
Forex Hedging
Debt Capital Markets
NCD issuance, commercial paper, securitisation, and structured bond placements for corporates.
NCD & CP
Private Equity & VC Advisory
Connect with PE/VC investors, manage cap tables, handle DPIIT filings, and manage secondary transactions.
Startup Ready
Custodial Services
Safeguarding and administration of securities, corporate action processing, and reporting for institutions.
Institutional
Private Banking
Exclusive relationship management, priority banking, and concierge services for individuals with ₹1Cr+ AUM.
₹1 Cr+ AUM
Portfolio Management Service (PMS)
Professionally managed equity & multi-asset portfolios with minimum ₹50L investment under SEBI regulations.
SEBI Registered
Estate Planning
Will drafting, nomination structuring, trust formation, and succession planning for generational wealth transfer.
Legacy Planning
Tax Planning & Optimisation
Comprehensive tax strategy covering income, capital gains, TDS, and international tax treaty benefits.
Save on Tax
Offshore & NRI Investments
NRE/NRO/FCNR accounts, LRS-based global investing, and repatriation solutions for NRIs worldwide.
NRI Specialist
Real Estate Advisory
Residential, commercial, and REIT investment advisory. Includes due diligence, valuation, and exit strategies.
REIT Ready
Retirement Planning
Goal-based retirement corpus modelling, annuity selection, and systematic withdrawal plan (SWP) structuring.
Goal-Based
Family Office Services
End-to-end family wealth governance, consolidated reporting, and multi-generation financial strategy.
Ultra HNI
Mobile & Net Banking
Full-featured app and web banking — transfers, bill pay, investments, and customer service 24/7.
4.9★ Rated App
UPI Payments
Instant peer-to-peer and merchant payments via UPI ID, QR code, or phone number. ₹0 transaction fee.
Instant & Free
International Transfers
Send money to 150+ countries at real exchange rates via SWIFT, SEPA, and local payment rails.
150+ Countries
Forex Card
Multi-currency prepaid travel card with 20+ currencies loaded at competitive rates. No markup at ATMs abroad.
20+ Currencies
Digital Wallet
Store, spend, and send money from your Vivatech wallet. Works offline with Bluetooth tap-to-pay.
Tap to Pay
Bill & Utility Payments
Electricity, water, gas, broadband, OTT subscriptions — pay all bills from one screen with auto-pay.
Auto-Pay
Payment Links & Checkout
Create no-code payment links or embed our SDK into your website or app. 99.9% uptime guaranteed.
No-Code
Open Banking APIs
AA-compliant Account Aggregator, NACH mandate management, and BBPS integration for fintechs & banks.
AA-Compliant
Tax Filing & ITR
File ITR 1 to 6 with auto-fetched AIS/26AS data. Expert-assisted filing for complex income types.
Auto-Fetch AIS
Certified Financial Planning
1-on-1 sessions with CFP-certified advisors for goal setting, budget review, and insurance gap analysis.
CFP Certified
Credit Score & Monitoring
Free CIBIL, Experian, and CRIF score access with monthly alerts and personalised improvement tips.
Free CIBIL
Regulatory & Compliance
FEMA, RBI, SEBI, and IRDAI compliance advisory. KYC/AML program design and regulatory filing support.
FEMA & SEBI
Legal & Documentation
Loan agreement review, property title verification, and power of attorney (PoA) drafting services.
Legal Review
Debt Resolution
Structured debt consolidation, settlement negotiation, and one-time settlement (OTS) advisory.
OTS Advisory
NRI Financial Advisory
Repatriation, DTAA claims, FEMA compliance, and India-based investment strategy for overseas Indians.
NRI Specialist
AI Financial Coach
Chat 24/7 with our AI financial coach. Instant answers on budgeting, tax, EMI calculations, and investing.
24/7 AI Chat
Who We Are

A New Era of Banking Built on Trust & Technology

Vivatech was founded in 2018 with one conviction: banking should be simple, transparent, and genuinely on the customer's side. Today we serve 2 million+ customers across 150 countries with a platform that covers every financial need — from a ₹100 SIP to a ₹500 Cr IPO.

Founded (2018) — Digital-first banking launch
Launched savings, current accounts, and UPI payments with zero branch requirement.
2020 — Investment & Insurance Platform
Added stocks, mutual funds, and insurance, crossing 500K customers.
2022 — Business & Corporate Banking
Launched SME banking, trade finance, and investment banking advisory.
2024–26 — Global & Wealth Expansion
Crossed 2M customers. Launched private banking, NRI services, and 150-country remittances.
RBI Licensed
Full banking licence under RBI guidelines since 2018.
SEBI Registered
SEBI-registered investment advisor & stock broker.
ISO 27001 & PCI-DSS
Certified for data security and payments compliance.
Best Digital Bank 2025
Awarded by India FinTech Forum & Economic Times.
Why Vivatech

Banking Reimagined.
Trust Rebuilt.

We set a new standard for every financial product we touch.

Bank-Grade Security
AES-256 encryption, biometrics, and 24/7 AI fraud monitoring protect every single transaction.
Instant Everything
Account opening in 5 min, loan disbursal in 2 hrs, transfers in 3 sec. We don't make you wait.
AI-Powered Insights
Our AI learns your financial patterns and surfaces savings tips, tax opportunities, and investment ideas automatically.
24/7 Human Support
Real bankers and advisors via chat, call, or video. Average first response: 42 seconds.
Radically Low Fees
Zero account maintenance. No forex markup. No hidden charges. Transparent pricing across all 70+ products.
Truly Global
Use your Vivatech card in 190 countries. Free ATM withdrawals up to ₹10,000/month worldwide.
Security First

Your Money Is
Fortress-Level Safe

Audited by the world's top cybersecurity firms. Regulated by RBI. Insured by DICGC. Sleep soundly.

End-to-End Encryption
AES-256 at rest, TLS 1.3 in transit — the same standard used by global defence agencies.
Multi-Factor Authentication
Biometrics, OTP, and hardware security keys — you control your protection layers.
AI Fraud Detection
ML models scan every transaction for anomalies and block suspicious activity in under 50ms.
RBI Regulated & DICGC Insured
Deposits insured up to ₹5L. PCI-DSS Level 1 and ISO 27001 certified.
Get In Touch

We're Here to Help,
Any Time of Day

Email Support
hello@vivatech.in
Response within 2 hours
Head Office
42, Fintech Tower, BKC
Mumbai — 400051, India

Send Us a Message