Kapil Garg

With 23 years of experience spanning finance, technology, and business consulting, I am passionate about building ventures that create real, meaningful impact, especially for the underserved segments of India. As the Founder and Director of Hindon Mercantile Limited, I work toward financially empowering the unbankable population of India through working capital solutions, micro business loans, insurance, and employment opportunities — contributing to the growth of India's expanding FinTech ecosystem. I champion RupeeCircle, a next-generation AI-powered Peer-to-Peer lending platform redefining how India borrows and lends — smarter, faster, and more efficiently. At Mufin, I believe technology should sit at the heart of every financial operation. As a fully paperless platform with a robust loan origination and management system, Mufin operates across seven states, manages assets for 150 FinTech and tech-based companies, and has disbursed over ₹1,500 crores in loans since 2016. Through KRA & Co., founded in 1979, I lead a consulting firm that has grown to serve over 2,500 businesses across diverse industries, offering specialised expertise in outsourcing, auditing, and taxation. Academically, I am a Chartered Accountant (ICAI), a Certified Public Accountant (CPA, Australia), and hold a Master's in Law. I have recently added a certification in Forensic Accounting & Fraud Prevention from ICAI to my repertoire. My experience also extends to government advisory boards, where I have contributed consumer-centric insights to policy-level conversations. I am always excited to connect with fellow entrepreneurs, investors, and change-makers who share a vision for a more financially inclusive India.