Empowering India's
FinTech Revolution

We're Making Every Transaction Count!

Know more
Empowering India's FinTech Revolution

We're Making Every Transaction Count!

Know more
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Over 2/3 of the population in India
reside in villages!

And most of these people now have bank accounts. However, fintech solutions that utilise a 'Phygital Approach' blending technology and human intervention, can revolutionise banking in India. 🡥

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NFC Payment

Though Financial inclusion in India has come a long way since CIGS Tech Innovations started in 2008 to introduce India’s first Tap and Payment Mode by NFC technology!

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NFC Payment

Though Financial inclusion in India has come a long way since CIGS Tech Innovations started in 2008 to introduce India’s first Tap and Payment Mode by NFC technology!

Pioneering tap and pay technology launched by Dr. A.P.J. Abdul Kalam

Tap and Pay Launch
An innovative, ahead-of-its-time end-to-end solution, the Inter-operable, Multi-channel, Multilingual Commonwealth card for the common man.

The impact created



5,000

Rural entrepreneurs



30,000

Villages reached


7 Million

Customers
financially included

2 Billion
dollar +

Transactional
value in a year

Now, India leads in payment technology

with the widespread adoption of UPI, enabling seamless transactions, and the
introduction of RuPay as a Visa/Mastercard alternative, positioning us to
embrace cutting-edge advancements.

UPI Logo
QR Code

Transactions more than debit
and credit put together.

People scanning QR
Rupee Coin

₹10T+ worth of bank
transactions/month.




CIGS Tech Innovations, today

CIGS Tech Innovations is advancing beyond financial inclusion, pioneering the future of digital banking with state-of-the-art FinTech solutions. Embracing innovation, we are redefining the landscape of modern finance.

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The confluence of Human and FinTech
The Phygital Approach

We merge our Digital Kendra's physical presence with proprietary technology bringing you a change with the best of both the worlds in sectors like:

Bharat Bill Payment System has revolutionized payment/collection of charges for utility services in India. Our Agents manning the Customer Service Points assist consumers settle a variety of Utility Bills, on time, in the convenience of their homes, without having to commute long distances, spending money, losing wages, waiting in long queues, etc.

Assisted eCommerce is a win-win for both the Online Retailers and the end Customers.

Online Retailers find it extremely difficult to penetrate the semi-urban and rural segments, due to logistics and viability challenges; however, these segments hold substantial potential for growth, if only the above two important challenges could be addressed efficiently.

On the other hand, the substantial population residing in these areas are denied their right to access the products of their choice, available only at the Online Retailers.

This is where the Customer Service Points, located in the Semi-Urban and Rural areas of this vast country, can act as a bridge between the Online Retailers and the Customers. They can help the Customers place orders on the Online Retailers and act as the Delivery Centre for the products. They can also facilitate on-board Sellers on the Online Retailers of their choice.

Customer Service Points can, among other things, sell affordable and fit-for-the-segment Health Insurance Policies to the targeted Customer segments.

Besides, the Customer Service Points would be able to help the Customers book for various Diagnostic Tests, to be performed by the empanelled Diagnostic Centres; perform BP measurement & Blood Glucose Tests for the Customers, using standard electronic gadgets; facilitate cataract screening in association with empanelled Eye Care Clinics; help book appointments with empanelled Doctors, etc.

These Health Services would help usher in the convenience of easy & cost-effective accessibility to quality health care services, simultaneously reducing the inconvenience of long-distance travel and preventing/reducing loss of wages.

Our Agents offer a wide range of assisted services in the Banking & Financial Services space to the customers of our partner Banks, right from opening of accounts to enrolling under the Government sponsored Social Security Schemes to availing of loans to performing a variety of transactions to repayment/renewal of loans.

Some of the important Services are listed hereunder: (i) Savings Bank A/C / PMJDY A/C (ii) Recurring Deposit A/C (iii) Fixed / Term Deposit A/C (iv) PMJJBY (v) PMSBY (vi) APY (vii) KCC (viii) Jewel Loan (ix) Educational Loan (x) Vehicle Loan (xi) Personal Loan (xii) AEPS Transactions (xiii) RuPay Card Transactions (xiv) Domestic Money Remittance Service (xv) Loan Recovery (xvi) NPA R

As an IRDAI approved Corporate Agent (Composite), CIGS sells the Life, General and Health Insurance Products of partner Insurance Companies through its authorized personnel, known as Specified Persons. The well-trained Specified Persons assist the potential customers in choosing the right Insurance product(s) that would meet their specific requirements.

Customer Service Points with adequate spare area would be able to offer Internet Kiosk services; impart training on usage of Computer Applications, like, MS-Office; help the needy apply for the training courses being offered by the Affiliates of the National Skills Development Corporation (NSDC) and wherever feasible, act as an Affiliate of NSDC; help the needy Customers apply for various academic courses, jobs, etc.

Our Agents deliver the wage payments under NREGS; payments under various Union & State Social Security Schemes, like, Old Age Pension, Widow Pension, Disabled Pension, etc.; payments under Government to Citizen Direct Benefit Transfer Schemes, etc., at the doorsteps of the beneficiaries, resulting in enormous convenience and savings for both the Beneficiaries and the authorities concerned.

Agriculture services hold substantial scope for growth, due to the scale and reach the same would have.

Customer Service Points can facilitate flow of information between the experts/premier Agricultural Institutions and the farmers, facilitating initiation of timely measures for prevention of or reduction in crop loss due to nutrient deficiencies, pests, drought, flood, etc.

Customer Service Points can also act as the conduit in the supply chain for inputs to agriculture and procurement of agricultural produce by the designated procurement Agencies/Traders.

Customer Service Points can play a vital role in the Logistics space, due to the advantage they hold in terms of their geographical presence, Customer familiarity & accessibility.

Customer Service Points can both act as the Pick-up Point for the partnering Logistics Companies as well as the Delivery Points. Customer Service Points can also undertake the last-mile pick-up and delivery services – i.e., for those

Customers who would prefer to have the doorstep service, the personnel of the Customer Service Points would be able to offer the same, ushering in Customer delight.

Our fintech approach aims to make India
Go Phygital

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Products and Services

We provide a comprehensive suite of products and services, including a robust BC Management Solution for efficient agent and network management, alongside a diverse range of banking and insurance offerings. This ensures optimal performance and exceptional customer service through our extensive agent network.

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Tech Innovations

Tech Innovations, a FinTech company investing in early-stage emerging tech companies in India. With seasoned VCs and successful entrepreneurs, we aim to "Unleash Disruptive Innovations" and accelerate tech growth while providing liquidity for investors and entrepreneurs.

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Trusted Donations

Trusted Donations is a cutting-edge tech company that revolutionises the donation experience, ensuring seamless and transparent contributions. Our platform leverages advanced technology to connect donors with verified NGOs, maximising social impact with every donation.