Startup Profile

BharatX

Legal entity: BharatX Financial Technologies Private Limited

Embedded credit and BNPL for India's middle class, in 30 lines of code

FinTechSeries BFintech (Payments)· Bengaluru, Karnataka· Est. 2019Website ↗
BharatX was a Bengaluru-based fintech startup that offered white-labeled embedded consumer credit and Buy Now Pay Later products to other businesses through APIs and SDKs. It let consumer internet companies add credit features like Pay-in-3 at checkout with minimal integration. The company was acquired by Flipkart-backed super.money in February 2025.
Funding raised
₹39.42 Cr
Total disclosed
Latest valuation
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Most recent round
Latest revenue
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Employees
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Founders

  • Mehul Nath Jindal

    Co-founder and CEO of BharatX. An NIT Trichy alumnus, he started BharatX in 2019 with the aim of giving India's middle class easier access to credit.

  • Eeshan Sharma

    Co-founder and COO of BharatX, and an NIT Trichy alumnus.

  • Shyam Murugan

    Co-founder and CTO of BharatX, and an NIT Trichy alumnus.

  • Siddharth Venu

    Listed as a co-founder of BharatX in startup databases such as Tracxn alongside Mehul Nath Jindal, Eeshan Sharma and Shyam Murugan.

Funding rounds

  1. Seed2022-05-12₹37.35 CrLed by Y Combinator
  2. Pre-Seed2021-12-13₹2.08 CrLed by Java Capital

The full story

Rich-text rendering of long_story is wired in the design pass.

Timeline

  1. 2025-02-24Acquired by Flipkart-backed super.money — Super.money, Flipkart's UPI and financial services app, acquired BharatX's technology, intellectual property and core team in an all-cash deal with undisclosed terms. BharatX was to temporarily operate to manage existing loan cycles before winding down.
  2. 2022-05-12$4.5M seed round backed by Y Combinator — Raised $4.5 million in a seed round led by Y Combinator with participation from 8i Ventures, Multiply Ventures, Soma Capital and angels including Kunal Shah, Harshil Mathur and Arash Ferdowsi, to scale embedded credit across 50+ consumer platforms.
  3. 2021-12-13Pre-seed round led by Java Capital — Raised roughly $250,000 in a pre-seed round led by Java Capital.
  4. 2019Founded by NIT Trichy alumni — BharatX was founded in 2019 by NIT Trichy alumni Mehul Nath Jindal, Eeshan Sharma and Shyam Murugan to close the credit gap for India's middle class, after one founder was rejected for a loan in college despite having trackable digital cash flow.

Data sources

  • seed-list↗ · last fetched 2026-05-28
  • favicon↗ · last fetched 2026-05-31
  • Indian Startup News↗ · last fetched 2026-06-01
  • Inc42 (funding profile)↗ · last fetched 2026-06-01
  • Inc42 (founding story)↗ · last fetched 2026-06-01
  • Entrackr (super.money acquisition)↗ · last fetched 2026-06-01
  • The Tech Portal (seed round)↗ · last fetched 2026-06-01
  • Y Combinator company page↗ · last fetched 2026-06-01
  • Tracxn company profile↗ · last fetched 2026-06-01
Updated 2026-06-01