Univest

Univest is a rapidly growing fintech platform specializing in AI-powered investment solutions for retail investors. Operates under Univest Communication Technologies Private Limited. The company’s mission is to empower individuals to maximize their returns on investments by providing a one-stop platform for investment discovery, research, execution and timely exits.

Products & Services 

• AI-Driven Investment Insights: Advanced analytics and algorithmic stock ratings to inform buy, sell and hold decisions.

• Personalized Investment Recommendations: Tailored equity, futures and options ideas based on user profiles and goals.

• Integrated Trade Execution: Seamless demat account integration and direct trade execution within the platform.

• Portfolio Management Tools: Comprehensive analysis and optimization features to enhance portfolio performance and risk management.

• Real-Time Alerts & Research: Timely trade notifications, exit signals and access to premium research resources and market education.

Business Model & Revenue Streams

• Subscription Fees: Offers premium subscription plans for access to advanced features, personalized investment recommendations and in-depth analytics, providing a steady recurring revenue source.

• Commissions on Investments: Earns commissions on transactions (buying/selling stocks, mutual funds and other investment products) executed through the platform, in partnership with SEBI-registered intermediaries.

• Advertising Revenue: Generates income by displaying targeted advertisements from financial institutions and third-party companies, based on user interests and activity.

• Referral Fees: Receives referral commissions by recommending third-party financial products or services; earns a fee when users sign up or transact through these referrals.

• Consulting Services: Offers personalized consulting and portfolio management services for individuals and businesses, adding a high-value revenue stream.

Top Clients & Partnerships

• Banking & Financial Institutions: Collaborates with over 15 major banks and NBFCs—including State Bank of India, RBL Bank, Axis Bank, and Kotak Mahindra—to deliver credit, savings and payment services at scale.

• Strategic Investments: Backed by impact investors such as BASIX Social Enterprise Group, Michael & Susan Dell Foundation, Accion International, Nordic Microfinance Initiative and MAJ Invest, providing capital and strategic guidance.

• Fintech & Digital Partners: Recent acquisition of a 25% stake in Prayaan Capital to accelerate credit access for MSMEs and drive digital innovation in small business lending.

• Global Networks: Member of the SME Finance Forum, connecting with 150+ financial institutions worldwide to promote SME finance and share best practices.

• Government & Development Agencies: Engaged in public-private partnerships for government-to-citizen (G2C) payments and financial inclusion initiatives, leveraging schemes like PMJDY and MUDRA.

Future Outlook & Strategic Priorities

• Digital Expansion: Sub-K is focused on scaling its digital finance platform, SARTHI, to offer a broader suite of financial products—including microloans, MSME credit, gold loans, insurance and micro-investments—targeting underserved and rural populations.

• Product Diversification: Plans to expand into new lending segments such as housing, personal and vehicle loans, while deepening offerings in gold loans and insurance distribution.

• Technology-Driven Growth: Continued investment in proprietary fintech solutions and mobile platforms to enhance customer experience, streamline onboarding and enable real-time digital collections.

• Agent Network Strengthening: Ongoing recruitment, training and support for local entrepreneurs as business correspondents to ensure last-mile service delivery and financial literacy.