Gemba Capital

Founded in 2017, Gemba Capital is a venture capital firm based in Bengaluru, India. It focuses on investing in early-stage tech startups, primarily at the seed and pre-seed levels, across sectors such as healthtech, fintech, agtech, edtech, and consumer.

Govind Lohia

Principal

Adith Podhar

Founder

Vipul Rawal

Venture Partner

Past deals in Personal Finance

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 Capital

Series A in 2025
Navadhan Capital provides capital solutions tailored for under-banked households.

Navadhan Capital

Seed Round in 2023
Navadhan Capital provides capital solutions tailored for under-banked households.

Navadhan Capital

Seed Round in 2023
Navadhan Capital provides capital solutions tailored for under-banked households.

Volt Money

Pre Seed Round in 2023
Volt Money operates as a platform for instant secured loans against mutual funds.

Finly

Seed Round in 2019
VV Finly Technology Private Limited, established in 2019 and headquartered in Bengaluru, India, specializes in finance management software designed for businesses. The company offers a suite of services including prepaid card expense management, automated business payments, petty cash management, and expense report automation. Finly's products aim to enhance business expense management through streamlined processes and improved visibility into spending, thereby increasing efficiency and employee satisfaction. By replacing traditional expense reporting tools, Finly provides finance teams with real-time insights and dynamic reporting capabilities, facilitating better strategic decision-making as businesses grow.

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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