Payclick Fintech: A Jharkhand Startup Redefining Loan Access in India

Ranchi, Jharkhand:

In the fast-growing landscape of India’s fintech sector, Payclick Fintech Services Pvt. Ltd. is quietly making big waves from a place most wouldn’t expect—Ranchi. Launched in 2024 by first-generation entrepreneur Subham Kumar Burman, Payclick is redefining how loans and financial services reach the underserved and often ignored segments of India’s population.

What sets Payclick apart is not just its tech-driven approach, but its deep understanding of the grassroots—because that’s where it started.

From Delivery Boy to Fintech Founder

Subham’s journey is nothing short of inspiring. Starting his career as a delivery boy, he climbed the ranks in the financial services sector, working in leadership roles across top fintech and DSA companies. With over 7 years of hands-on experience, he saw the gaps in India’s loan distribution system: poor accessibility in rural areas, low trust, and a lack of real-time human support.

Instead of waiting for someone else to fix it, he built Payclick to be the solution.

A Mission-Driven Startup

At its core, Payclick isn’t just a company—it’s a mission. The startup was born out of the desire to make loan access fast, fair, and inclusive. It aims to empower India’s Tier-2, Tier-3, and rural borrowers through a tech-enabled yet relationship-based model. With trained local relationship officers and a digital-first strategy, Payclick ensures even the remotest applicant gets the same attention as an urban borrower.

Leadership That Understands the Ground

Payclick is driven by a strong and diverse leadership team:

• Subham Kumar Burman, Founder & CEO
• Suman Saurabh, Chief Marketing Officer (10+ years in banking & fintech)
• Rudresh Shrotriya, Chief Technology Officer (25+ years in fintech and insurtech)
• Harpreet Singh, Director of Accounts

Their combined experience ensures that Payclick balances vision, innovation, execution, and governance.

ABUA UPI: India’s Rural Payment Gateway

One of Payclick’s most ambitious innovations is ABUA UPI—short for Anytime Banking Unified Access. Designed as a rural-focused digital payment platform, ABUA UPI aims to serve panchayats, government offices, and semi-urban communities. With this, Payclick isn’t just enabling transactions—it’s building digital trust in India’s villages.

A Bootstrap Story of Grit

Payclick stands out for more than just its services. It’s a fully bootstrapped startup, launched with just ₹12 lakh in founder funding. With no external investors, the company operates with complete independence, focusing on sustainable growth, ethical practices, and people-first policies.

The Road Ahead

Today, Payclick is operational in Ranchi, Kolkata, and Patna, with plans to go pan-India. It’s rapidly gaining the trust of borrowers, banks, and financial institutions alike. More importantly, it’s proving that fintech can grow beyond metros—and that startups built from the grassroots can be just as powerful as those funded by VCs.

As India continues its journey towards true financial inclusion, Payclick Fintech is one startup to watch.

For more information https://payclickfintech.com/