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Puneet Gupta
believes in the power of technology to make financial services intuitive, co-founder kaleidofin.
Puneet Gupta is a prominent figure in the financial services sector, currently serving as the Co-Founder and CEO of Kaleidofin Private Limited, a fintech company focused on providing tailored financial solutions to underbanked customers in India. Gupta co-founded Kaleidofin in 2017 with the aim of addressing the unique financial needs of over 600 million individuals engaged in the informal economy.124
Educational Background
Gupta holds a Bachelor's degree in Commerce from Kurukshetra University and a Master's degree in Rural Management from the Institute of Rural Management, Anand (IRMA) .16
Career Overview
Before establishing Kaleidofin, Puneet Gupta had a notable career trajectory:
- ICICI Bank: He began his career at ICICI Bank, where he spent seven years in various roles, including managing microfinance initiatives and working in corporate social responsibility (CSR) focused on education and microfinance investments.12
- Dvara Trust and Northern Arc Capital: He was a co-founder of Dvara Trust (formerly IFMR Trust) and Northern Arc Capital, where he held several key positions, including Group CFO at Dvara Trust.126 His work there involved addressing the financial needs of low-income households through innovative financial products.
Contributions to Kaleidofin
Under Gupta's leadership, Kaleidofin has developed various products aimed at enhancing financial inclusion. The company has partnered with over 50 financial institutions, reaching more than 20 million customers. Its offerings include:
- Kaleidofin Goals: A savings and investment solution.
- KiScore: A credit scoring model that has facilitated significant loan disbursements post-COVID-19.234
Gupta's vision for Kaleidofin is to leverage technology to provide accessible and transparent financial services, thereby transforming the lives of its users.15
Current Roles
In addition to his role at Kaleidofin, Puneet Gupta serves on the Investment Committee at the Incubation Cell at IIT Madras and is involved with several other initiatives aimed at promoting financial literacy and inclusion.12

