The Builders Club Startup Founders Podcast · The Builders Club

Chqbook Founders - Vipul Sharma, Rajat Kumar and Mohit Goel | Empowering MSMEs with Fintech | The Builders Club Startup Founders Podcast #66

·57 min·20 clips

The episode opens with the Builders Club framing the session as a founder-focused community conversation. It brings together Vipul Sharma, Rajat Kumar, and Mohit Goel from Checkbook. The company is presented as India’s leading neobank serving 64 million small business owners. The founders talk about their recent launch of a Digital Current Account and why they see it as a meaningful step in neobanking. From there, the conversation settles into how they think about building for an underserved segment. They describe choosing a longer path instead of chasing a narrow product. That choice, they argue, is what let them build a broader product suite. The suite includes lending, insurance, and accounts designed to work together. The founders also stress that experience changes how a team reads the market. They talk about how younger teams can have a product and still miss what the market can absorb. Their view is that banking rewards measured risk more than speed alone. They connect that idea to their own operating style. A lot of the discussion turns on front-end sales and customer proximity. They say direct customer contact helps them understand customer psychology more clearly. That understanding shows up in small details, including the way the app is designed and the number of languages it supports. The founders treat those details as part of the product, not as cosmetic extras. Regulation is another major thread. They talk about staying conscious of the RBI and the other regulators they work with. The tone around that point is practical rather than defensive. They present compliance as part of building a real business, not as a side constraint. The conversation also tries to separate financial services from broader tech storytelling. That distinction matters to them because fintech and tech businesses carry different responsibilities. They return several times to the idea that sustainable businesses are built differently from flashy products. The episode ends in the same open, conversational spirit it starts with. There is room for questions, a bit of digression, and the kind of back-and-forth that helps founders explain what they really mean. The result is a useful look at how one small-business neobank team thinks about scale, discipline, and product depth.

As heard by us

A steady founder conversation about MSME fintech, patient product building, and the judgment needed to make it work.

This Builders Club conversation follows the founders of Checkbook as they lay out their case for neobanking for India's small business owners, why they chose a longer path to build a larger product, and how a Digital Current Account fits into that bet.

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Why you'd press play

Hear how Checkbook's co-founders talk through building a full-stack neobanking product for India's small business owners.

Read the full recommendation in PlayNext →

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