Jignesh Jutthani
Over 31 years, building India’s financial infrastructure from the ground up — banking correspondents, microfinance, neo-banking, and digital ecosystems that bring credit, payments, and opportunity to every corner of Bharat.
“Leadership is not defined by titles, positions, or achievements. It is defined by the opportunities we create, the trust we earn, and the lives we positively impact. True success is measured not by how far we go alone, but by how many people we empower to move forward with us.”
Three Decades of Building Financial Infrastructure
Jignesh Jutthani is an accomplished management professional trained at IIM Kozhikode — a fintech entrepreneur whose career has consistently chosen the harder path: building distribution reach, financial access, and digital infrastructure for the communities that needed it most.
As HOD Vyaapaar at Airpay, he built a PAN-India sales architecture from zero — 10 zones, full portal in 90 days, break-even in 18 months, enabling over 10,00,000 VYAPAARI merchants. At Fino Payments Bank, he grew a portfolio from 400 to 4,600+ merchants, established 500 Financial Service Points, and won consecutive Best Team Awards.
Today as CEO of MOS Utility Limited, he drives the vision of “Digital Bano Tarraki Karo” — a seamlessly connected India where every citizen reaches banking, commerce, and government services within easy reach.
31 Years of Decisive Leadership
Every role, a deliberate step forward.
Numbers That Define a Legacy
Three decades of measurable outcomes — not milestones, but transformations in real lives and real communities across India.
Conversations That Shape Industry
What Leaders Say
From banking partners to ecosystem collaborators — perspectives from those who have seen the work firsthand.
Jignesh brings an uncommon combination of strategic vision and ground-level execution. His ability to build distribution networks that actually sustain — not just launch — is what separates him from most fintech professionals I have encountered.
The Sakhi BC model is a masterpiece of impact design. It doesn’t just deliver banking — it creates livelihoods. Women in our districts have transformed financially because of this initiative. Real inclusion, not access on paper.
What stood out about Jignesh is depth of distribution thinking. He engineers for the last mile. 500,000 active merchants and 90% health index doesn’t happen by accident — that is rigorous system design executed with relentless consistency.
Insights from the Field
Building The Financial Infrastructure For Bharat’s Next Billion
Every venture in this ecosystem exists as a deliberate answer to one systemic question: why does financial access remain a privilege when it should be a right?
From the SHG lending model of Aarambh to the unified API layer of Q-BRIDGE — each initiative targets a different dimension of financial exclusion: credit access, payment infrastructure, women empowerment, technology backbone, and government scheme delivery.
The mission is not to serve Bharat’s next billion. It is to build the infrastructure that enables Bharat’s next billion to serve themselves.
Let’s Build Financial
Inclusion Together
Partnerships, investment, advisory, speaking opportunities, or a shared vision for Bharat’s financial future — the conversation starts here.