About Us

Who We Are

Inspired by India. Engineered for the World.

Shvasm Technologies is a banking sector focused SaaS solutions company rooted in India’s timeless wisdom and dedicated to redefining how small and mid-sized NBFIs manage Factoring and Supply Chain Finance. We simplify complexity and scale growth through intuitive software platforms and domain-driven consulting services—crafted for today’s challenges, and ready for tomorrow’s ambitions.

Derived from the Sanskrit word “Shvasam” meaning breath, Shvasm embodies ease, continuity, and energy. Just as breath sustains life with effortlessness, our solutions are designed to be naturally adaptable yet deeply empowering; bringing rhythm, balance, and vitality to your financial operations.

Our Mission

Our mission is to empower unserved and underserved NBFIs with affordable, scalable, and ready-to-deploy SaaS solutions that simplify operations and accelerate growth. By combining innovation with deep domain expertise, we deliver modular products that adapt to evolving business, regulatory, and regional/local requirements. We focus on creating measurable value by enabling faster time-to-market, improving efficiency, driving cost savings, and ensuring sustainable returns for our customers. Through this, Shvasm seeks to transform how smaller financial institutions compete, grow, and extend financial access to businesses and communities that need it most.

Our Vision

To redefine how financial institutions deliver Factoring and Supply Chain Finance by providing simple, intelligent, and adaptable SaaS solutions that power growth, trust, and financial inclusion.

Why Shvasm

Shvasm brings balance, clarity, and purpose to the modern business of Factoring and Supply Chain Finance. We don’t just solve problems – we breathe life into your operations with solutions designed to evolve with you.

Tailored to Your Needs

Purpose-built for Factoring & SCF; not retrofitted from generic ERP platforms

As Easy as Breathing

Subscription-based SaaS; always available, always agile, hosted securely on AWS

From the Gurus of the Domain

Deep consulting and advisory from experts who’ve lived your challenges and solved them globally

Born Flexible. Built to Scale.

Regulatory-ready, audit-friendly, and ever-adaptive; so your growth never gasps for breath

Solutions

ViBha

SaaS Platform

ViBha draws its name from the Sanskrit root “Vibha” — meaning brilliance, radiance, or light. It is the crystallisation of decades of domain and technology experience into productised intelligence for the Factoring and SCF landscape. With ViBha, you don’t just digitise. You simplify. You scale. You shine.

The Breath of Simplicity in Factoring & SCF Technology

ViBha is our cloud-native, API-first SaaS platform purpose-built for Factoring and Supply Chain Finance. ViBha empowers mid-sized financial institutions to shift from cluttered spreadsheets and slow systems to a seamless, real-time digital platform that energises every part of your operation.

Whether you’re dealing with manual document verifications, struggling to track exposure limits, or tired of scaling staff just to manage growing complexity—ViBha brings calm to your chaos.

What ViBha Does Best

Factoring
  • Domestic, International
  • Recourse, Non-recourse
  • Invoice-to-Invoice, Running Account
Reverse Factoring
  • Confirming
  • Subscription
Financing Types
  • Purchase Order Finance
  • Invoice Finance
  • Overdraft
  • Deep Tier Finance
Program Types
  • Dealer Finance
  • Vendor Finance

Core Capabilities

  • Invoice Lifecycle Management

    End-to-end visibility, validation, and tracking

  • Funding & Payouts

    Disburse efficiently, securely, and in real time

  • Payins & Settlements

    Automate collections and simplify reconciliation

  • Other Processes

    Credit Note, Dispute, Reassignment/Chargeback, Payment Under Guarantee

  • Reversals

    Manage adjustments and re-entries with ease

  • Exposure Monitoring & Early Warning Indicators

    Real-time dashboards and alerts to guard against over-leverage

  • MIS & Regulatory Reporting

    Compliant and audit-ready at every step

  • Visual Dashboards

    Instant insights for business users and leadership

Real-world Use Cases We Solve

Replace Excel chaos with intelligence

Gain centralised control for compliance & decision-making

Eliminate delays & operational errors

Speed up client disbursements

Expand volume without expanding headcount

Empower teams with better visibility and tools

Why ViBha Shines
Brighter

Affordable SaaS — No license fees, just monthly subscriptions

Cloud-Native & API-First — Fast integrations, flexible rollouts

Secure, Compliant, Audit-Ready — Peace of mind, always

Built for Growth — No caps on users, no floor commitments

Effortless to Use — Designed for operational teams, not just tech teams

Domain-Driven Design — Built by experts who understand Factoring & SCF deeply

Why ViBha

From Delays to Real-Time. From Spreadsheets to Smart Systems.

ViBha is the digital leap your NBFI has been waiting for.

Modular & Configurable

Use only what you need. No clutter

Ready-to-Go

Off-the-shelf functionality designed with practical use cases in mind

Compliant by Design

In-built regulatory checks, audit logs, and compliance reports

Globally Aware, Locally Smart

Built for emerging markets, adaptable to local realities

Inspired by Simplicity

Intuitive interfaces powered by deep understanding

Services

Vichar

Where Thinking Meets Doing in Factoring & SCF

Advisory services powered by domain wisdom, built to guide your journey from vision to execution,

Collaborative Thinking for Practical Outcomes

Vichar, meaning deliberation or thoughtful collaboration in Sanskrit, is our suite of consulting services that helps you plan, implement, and optimize your Factoring and SCF initiatives—regardless of the software platform you choose. It’s about getting it right, the first time.

Our Services

Refine processes, align with regulations, and ready your operations for scalability

We help you frame the right questions and identify the right answers when choosing a solution

From test strategy to user readiness, we ensure your system goes live without surprises

Already live? Let’s evolve your platform with smarter features and better alignment

Why Work With Us

Independent. Domain-led. Outcome-Driven.

Neutral Advisory

We provide value whether or not you choose ViBha.

Practitioners, Not Theorists

Led by SCF veterans with global implementation experience.

Collaborative Engagements

We work with your teams, not in silos.

Rapid Impact

Structured approach with fast outcomes.

Engagement Models

Work with Vichar Your Way

One-time Advisory Engagement
Retained Partner Model
Embedded in ViBha Implementation
Testing & Acceptance Support Services
Co-create Strategic Roadmaps
Get in Touch

Our Team

Ramani Rajagopalan

Ramani Rajagopalan

Ramani brings over 30 years of global and diverse experience in delivering banking solutions globally, viz. Factoring, SCF, Corporate Credit Approval & Monitoring, Treasury and IRM. With strengths in Software Product Management, Delivery Management, Sales, Pre-sales, and Consulting, his approach ensures that every solution is crafted for adaptability and seamless integration, aligning with industry needs and client expectations of increasing their topline profitably.

Sivasakthivel Palani

Sivasakthivel Palani

Sivasakthivel, an engineering alumnus from the prestigious Coimbatore Institute of Technology, has been crafting software for the banking, retail, and government domains over 25 years. His projects have won Innovative awards from CeBIT, Hanover, Germany, GITEX and Economic Times (ET Innovation). His unwavering motto is building a software ecosystem to simplify lending, SCF, and payments. He brings diversified work experience of developing Day 1 business-ready software solutions and custom applications on innovative technologies that deliver great returns on customers’ investment.

Jignesh Desai

Jignesh Desai

Jignesh, a Computer Science graduate from the University of Mumbai, carries over 24 years of technical experience and has delivered impactful products across banking, ERP, and production planning & maintenance domains, with a specialised focus on simplifying complex algorithms in factoring and supply chain finance for more than 18 years. Equipped with PRINCE2 Agile Certification, his strong client relationship management skills are driven by a deep understanding of client needs and a commitment to creating solutions that simplify and elevate the overall user experience while driving project revenue and profitability.