Who We Are

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Building digital distribution systems to the last mile


We are defined by our vision


FIA plans to elevate Asia's unserved geographies through its core vision of ‘economic and social inclusion’. We promote sustainable livelihood models and work with marginal communities, rural poor and women. FIA aggregates socially impactful products and services and delivers them to low income masses through our extensive distribution network of micro-entrepreneurs. FIA’s expertise lies in developing technology for mobility and online payment solutions for the masses, creating and managing distribution networks for delivering services to the last mile and implementing financial inclusion programs.



“Transform a billion lives by harnessing the power of technology & networks to bring about a digital revolution”


Build the largest outreach to unserved geographies for efficient delivery of services

Develop an ecosystem of strategic alliances for activating grass-root innovations

Grow a diverse network of micro-entrepreneurs enabling their families to live with dignity

People Behind FIA

FIA’s team consists of socially committed individuals dedicated to creating a positive impact in the lives of the poor.

Team Members

Seema Prem
CoFounder / CEO

Seema co-founded FIA in 2012. Influenced by a childhood in some of the most inaccessible terrains in India, she felt compelled to work towards reducing inequities.

Read Seema's Full Bio +

Dipayan Chowdhury
Chief Sales Officer

As the Chief Sales Officer of FIA, Dipayan’s role was indispensable in establishing retail financial services in underserved geographies and markets in India.

Read Dipayan's Full Bio +

Sudip Banerjee
Head - Risk

Sudip has been responsible in defining the risk horizon for the organization, setting the risk appetite and designing the risk management framework.

Read Sudip's Full Bio +

Pradeep Mehta
Head – Finance & Legal

A number cruncher, a second to none’ ask whom’ with 25+ years of being the guiding light for several organizations on Finance, Taxation and Legalities.

Read Pradeep's Full Bio +

Simy Joy
Impact Advisor

Dr. Joy is an organizational researcher who has previously worked in the finance sector.

Read Simy's Full Bio +

Joseph Simon
Director & Chairman

Joseph Simon is the Chief Operating Officer of Encompass Digital Media.

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Salil Ravindran
Board Member

Salil Ravindran is a senior finance professional with 18+ years of experience.

Read Salil's Full Bio +

PN Subramanian
Board Member

PN Subramanian (PNS) is a successful serial entrepreneur involved in various industries.

Read PN's Full Bio +

G.N. Bajpai

Mr. G. N. Bajpai, a distinguished leader in Indian business was the Chairman of SEBI.

Read G.N.'s Full Bio +

Ramesh Mugalam

Ramesh is the Chief Strategy Officer of Stillwater Insurance.

Read Ramesh's Full Bio +

Salim Gangadharan

Salim Gangadharan is a career central banker having 36 years’ experience with the Reserve Bank of India including five years’ stint at Central Bank of Oman.

Read Salim's Bio +

Succeeding Together Through Collaborative Partnerships



18 Commercial & Regional Rural Banks in our Network



 General & Life Insurance Tie-ups 

Financial Services

Financial Services

Pension & Mutual Funds for the Unorganized Sector



Agreements with Various State and Central Government Departments



Tie-Ups with Mobile / DTH / Datacard Service Providers



Alliances with Air, Taxi, Hotel, Railway and Bus Service Aggregators



18 Indian Utility Providers and 2 Energy Service Providers

FIA Technology Services Private Ltd.
840, Tower A, JMD Megapolis, Sohna Road
Sector 48, Gurgaon, Haryana 122018

+91 124.4993100 - 3102
+91 124.4993603