Gemba Capital

Gemba Capital is a venture capital firm based in Bengaluru, India, founded in 2017. The firm specializes in early-stage investments, focusing on seed and pre-seed rounds in scalable startups. Gemba Capital targets post-seed stage companies that are seeking angel investments and actively participates in various funding rounds, including angel, bridge, and pre-series A. Its investment interests span several sectors, including healthtech, fintech, agtech, edtech, and consumer industries, reflecting a commitment to supporting innovative technologies and business models.

Govind Lohia

Principal

Vipul Rawal

Venture Partner

Past deals in Credits and Lending

Finodaya Capital

Seed Round in 2025
Finodaya Capital Private Limited, established with a mission to democratize finance for India's micro and small businesses, leverages its team's extensive banking experience to understand and address the unique financial needs of these enterprises. Currently operating in stealth mode, the company specializes in providing loan against property services tailored to this segment.

Navadhan

Series A in 2025
Navadhan Capital is a financial technology company focused on enhancing financial well-being and improving access to finance for under-banked households and small businesses. The company provides a comprehensive financial platform that includes software solutions designed to facilitate pension liquid investing and digitize unorganized value chains. With flexible parameters for tenors, drawdown, repayment frequency, collection purposes, and amounts, Navadhan aims to reduce risk and improve resilience for its users. By expanding access to finance, the company seeks to empower individuals and small enterprises, ultimately driving growth and enhancing income opportunities.

Navadhan

Seed Round in 2023
Navadhan Capital is a financial technology company focused on enhancing financial well-being and improving access to finance for under-banked households and small businesses. The company provides a comprehensive financial platform that includes software solutions designed to facilitate pension liquid investing and digitize unorganized value chains. With flexible parameters for tenors, drawdown, repayment frequency, collection purposes, and amounts, Navadhan aims to reduce risk and improve resilience for its users. By expanding access to finance, the company seeks to empower individuals and small enterprises, ultimately driving growth and enhancing income opportunities.

Navadhan

Seed Round in 2023
Navadhan Capital is a financial technology company focused on enhancing financial well-being and improving access to finance for under-banked households and small businesses. The company provides a comprehensive financial platform that includes software solutions designed to facilitate pension liquid investing and digitize unorganized value chains. With flexible parameters for tenors, drawdown, repayment frequency, collection purposes, and amounts, Navadhan aims to reduce risk and improve resilience for its users. By expanding access to finance, the company seeks to empower individuals and small enterprises, ultimately driving growth and enhancing income opportunities.

Kredmint

Angel Round in 2022
Kredmint is a financial platform designed to meet the capital needs of micro, small, and medium enterprises. The company offers a range of financial services, including working capital limits, invoice discounting, merchant cash advances, term loans, mobility solutions, and inventory financing. By providing these services, Kredmint enables businesses to gain visibility and control over their supply chain financing through innovative contracts and tokenization. This focus on facilitating access to financing supports the growth and sustainability of smaller businesses, helping them navigate their financial challenges effectively.

Kaarva

Seed Round in 2019
Kaarva is India's pioneering flexible salary platform that empowers employees to access portions of their earned salaries as needed, without relying on traditional salary advances. The platform is designed for regular income workers, allowing them to withdraw small amounts of their salaries multiple times a month in response to urgent financial needs, thereby eliminating the wait for payroll. Kaarva offers fair and affordable advances with minimal hassle, enabling users to manage their finances more effectively. Additionally, the platform provides digital tools to support better financial decision-making, contributing to enhanced employee job satisfaction and giving organizations a competitive edge in recruitment.

Kaarva

Seed Round in 2019
Kaarva is India's pioneering flexible salary platform that empowers employees to access portions of their earned salaries as needed, without relying on traditional salary advances. The platform is designed for regular income workers, allowing them to withdraw small amounts of their salaries multiple times a month in response to urgent financial needs, thereby eliminating the wait for payroll. Kaarva offers fair and affordable advances with minimal hassle, enabling users to manage their finances more effectively. Additionally, the platform provides digital tools to support better financial decision-making, contributing to enhanced employee job satisfaction and giving organizations a competitive edge in recruitment.
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