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MOS Utility Limited — CEO — Jignesh Jutthani
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CEO · Current Role · 2020 – Present
Chief Executive Officer

MOS Utility
Limited

Leading India’s fastest-growing B2B neo-banking fintech platform — a unified digital ecosystem connecting agents, merchants, distributors, and consumers across banking, commerce, travel, and utility services.

📍Mumbai, Maharashtra
📅2020 – Present
🏛️Fintech · Neo Banking · B2B2C
B2B2C
Business Model
Open API
Architecture
24/7
Platform Uptime
8+
Service Verticals
Jignesh Jutthani — CEO MOS Utility
Chief Executive Officer
MOS Utility Limited
The Mission

Connecting Every
Corner of Bharat

MOS Utility Limited is not just a fintech company. It is a movement toward a digitally and financially inclusive India — where every citizen, regardless of geography or economic strata, has seamless access to banking, e-commerce, travel, utility, and government services.

Digital Bano Tarraki Karo — this is not a tagline. It is a promise. A belief that digital access is not a privilege; it is a right that every Indian deserves.”

As CEO, Jignesh has built MOS into a NexGen Neo Banking Platform offering a Unified Open API and Wallet infrastructure — enabling a nationwide ecosystem of agent distributors, master distributors, retail stores, and mobile applications.

The platform supports Vocal for Local, drives financial inclusion through MOS Seva Kendras, and delivers essential services within reach of India’s next billion citizens.

Platform Offerings

The MOS Ecosystem

01
🎟️ Ticket Booking
Bus, train, flight — travel ticketing integrated into one agent-facing platform with real-time inventory.
02
👆 AEPS Services
Aadhaar Enabled Payment System — enabling biometric cash withdrawals for rural last-mile consumers.
03
🛒 E-Commerce
B2B e-commerce marketplace connecting suppliers, distributors and retailers in a single ecosystem.
04
💳 Digital Payments
QR, UPI, DMT, BBPS — comprehensive payment stack for agents and merchants across India.
05
🏦 Banking Services
Account opening, micro-credit facilitation, and savings products through banking partnerships.
06
📋 Gov. Schemes
Access to PM Kisan, Ayushman Bharat, and other government entitlements through the MOS platform.
Vision & Strategy

CEO’s Strategic Direction

🌐
Open API
Unified Architecture
Single API infrastructure enabling seamless integration across banking, payments, e-commerce, and utility partners
🏪
MOS Seva
Kendra Network
Nationwide network of community service points making digital financial services a physical reality in every neighbourhood
📱
B2B2C
Business Model
Serving businesses to serve consumers — a model that scales distribution exponentially through the agent and distributor ecosystem
Core Competencies

Skills Demonstrated
at MOS Utility

CEO LeadershipNeo BankingOpen API StrategyFintech ProductB2B2C Business ModelsAgent Network ManagementDigital Financial ServicesP&L OwnershipEcosystem BuildingFinancial InclusionDigital India MissionStrategic Partnerships
Connect

Partner in Building Digital Bharat

MOS Utility is actively seeking distribution partners, technology integrators, and mission-aligned investors who believe in the power of digital inclusion.