Building India's First Digital Pension Platform | PensionBox

Описание: Two brothers turned India's 20-minute NPS account opening into a 2-minute digital experience, growing from 0 to 1.7 lakh users. Discover how PensionBox became India's first digital pension platform, bootstrapped with just ₹6-7 lakhs and now generating ₹ 2.5 L monthly revenue.

From cold emailing five investors to being featured on Amazon Prime's Mission StartUp and securing Zerodha Rainmatter funding, this startup story reveals the challenges of building a fintech company in India's regulated pension space.

Hansi discusses with the founders on 'From Scratch' about India's retirement crisis, the NPS vs. EPF systems, and why they pivoted from B2C to B2B when tax regime changes occurred. Perfect for founders, fintech enthusiasts, and anyone interested in India's pension ecosystem.

More here: https://zerodha.com/z-connect/rainmat...

Guests:
Kuldeep Parashar, Co-founder & CEO - PensionBox
  / kuldeepparashar  

Shivam Parashar, Co-founder & CTO - PensionBox
  / parasharshivam  

Host:
Hansi Mehrotra, CFA
Host:   / hansimehrotra  

   / @hansimehrotra-cfa  

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Chapters:
00:00 - Coming up!
01:44 - Introduction to Pensionbox
05:20 - Indian Pension System Summary
05:37 - New Pension Scheme for Government Employees
13:01 - Pension Fund Managers and Investment Choices
25:59 - Pension Box: A Tech Solution for Retirement Planning
41:28 - Types of NPS Withdrawals
48:01 - Bootstrapping the Startup
50:16 - Expanding Product Features
54:34 - Pre-Seed Funding Journey
01:00:33 - Switch to B2B Model
01:02:46 - Revenue and Scaling Strategy
01:07:43 - Challenges in FinTech
01:13:48 - Building with Family