OneStack is a technology company.
OneStack provides core banking solutions, online banking, mobile banking, and payment services, aiming to transform traditional banking into a neobanking experience.
OneStack has raised $4.0M across 3 funding rounds.
OneStack has raised $4.0M in total across 3 funding rounds.
OneStack has raised $4.0M in total across 3 funding rounds.
OneStack's investors include Samved, Silicon Road Ventures, 100Unicorns, Pentathlon Ventures, Venture Catalysts, Anicut Capital, Venture Catalysts | India's First Integrated Incubator, Alkemi Growth Capital, Merak Ventures, Picus Capital.
OneStack (One Stack Solution Private Limited) is a Gurugram-based fintech startup founded in 2019 that builds white-label digital solutions to transform cooperative banks and credit societies into neobanks.[1][2][4] It serves over 200 banks across North and West India, targeting rural customers and MSMEs with a SaaS model offering mobile banking apps, UPI switches, Bharat Bill Payment System (BBPS), regional-language soundboxes, loan assessment tools, and CRM for seamless saving, borrowing, spending, and payments—boosting CASA deposits and operational efficiency while driving financial inclusion.[1][4] The platform has raised under $5 million in funding, operates with a customer-first approach via customizable, secure APIs, and extends to investments, insurance, and lending.[3][4]
OneStack was founded in 2019 by Amit Kapoor (also listed as Amit Kamal Kapoor) and Vishal Gupta, entrepreneurs with expertise in fintech, from Gurugram, India.[1][2] The idea emerged to address gaps in traditional banking for long-tail institutions like cooperative banks and credit societies, enabling them to deliver neobanking services through core system integrations without building from scratch.[1][2][4] Early traction came via a white-label mobile app supporting essential financial functions, leading to partnerships with over 200 banks and angel/VC backing from multiple investors, accelerators, and networks—positioning it as a key player in alternative lending and payments.[1][2][3]
OneStack rides India's fintech boom, fueled by UPI's dominance, BBPS expansion, and government pushes for financial inclusion via digital neobanking for underserved cooperatives (over 100,000 in India).[1][4] Timing aligns with RBI's digital lending guidelines and rising rural digitization post-demonetization/JAN Dhan, where legacy banks struggle with tech upgrades—OneStack bridges this via affordable white-label tech amid a $100B+ fintech market growing 20%+ annually.[1][2] It influences the ecosystem by empowering small banks to compete with neobanks like Jupiter or Fi, fostering MSME credit access and reducing urban-rural divides, while competing with players like Egfin or Gromo.[2][4]
OneStack is poised for expansion beyond North/West India, potentially scaling to full-stack wealth management or pan-India partnerships as digital adoption surges in Tier-2/3 cities.[4] Trends like AI personalization, open banking APIs, and embedded finance will amplify its OCEN lending framework and data insights, with funding rounds likely fueling national growth amid RBI's sandbox innovations.[3][4] Its influence may evolve from niche enabler to ecosystem shaper, transforming thousands of cooperatives into digital powerhouses—reinforcing its mission to reimagine banking for the underserved.[1][4]
OneStack has raised $4.0M across 3 funding rounds. Most recently, it raised Series A in February 2026.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Feb 3, 2026 | Series A | Samved, Silicon Road Ventures | 100Unicorns, Pentathlon Ventures, Venture Catalysts |
| Mar 1, 2025 | $2.0M Series A | Anicut Capital, Venture Catalysts | India's First Integrated Incubator | |
| Jul 1, 2023 | $2.0M Seed | Alkemi Growth Capital, Merak Ventures, Picus Capital |