Siva Ganesh

I am a 20-year-old fintech founder from pithapuram who dropped out of a Diploma in ECE to build FinPay — India's most complete UPI super app combining payments, 2-minute bank account opening, bill payments, stock investing, free credit score, savings jar, digital loans, and an AI finance assistant, all in one app built for India's 90 crore underserved users. I built the entire product, business plan, investor documents, and technical architecture solo — proving I can execute with zero resources and zero team.

Founder & CEO - FinPay Pvt Ltd - Hyderabad, Telangana

India's Complete UPI Financial Super App

• Built a fully working 12-feature fintech app prototype solo — UPI payments, BBPS bill payments, 2-minute bank account opening, stock investing, smart wallet, free credit score, savings jar, digital loans, budget tracking, spending analytics, Ask Here AI finance tutor, and 10-minute request money timer
• Designed complete product architecture using Razorpay UPI + BBPS, Setu BBPS backup, SafeGold digital gold, Upstox stock partner, Turtlemint insurance POSP, AWS Mumbai infrastructure, and Digio KYC integration
• Built every investor document from scratch: 36-month financial model, 14-slide pitch deck, company valuation report at Rs.19 Crore pre-money, term sheet, shareholder agreement, investment agreement, and app development contract
• Achieved Rs.19 Crore pre-money valuation validated by 4 independent methods — Scorecard 9.2/10, Revenue Multiple, Comparable Companies, and Asset-Based analysis
• Designed zero-employee AI-powered lean operation model — Rs.17,000/month fixed cost — profitable at 1 Lakh users while competitors need 1 Crore users to break even
• Unit economics: CAC Rs.10.41 (industry Rs.150-500), ARPU Rs.29.50/month, LTV Rs.1,000, LTV:CAC ratio 96:1, payback period 10 days — all world-class metrics
• Designed voice command system in Hindi, Telugu, and English — Open FinPay, Open QR, Scan QR, Close App — first accessibility-first UPI app for underserved India
• Drafted complete Terms and Conditions, Privacy Policy (DPDP Act 2023 compliant), and Investor Exit Agreement independently

Diploma - Electronics and Communication Engineering (ECE) - pydah College of engineering (2025)