Bharatomni is the Financial Operating System that lets banks, NBFCs, and fintechs launch complex financial product categories via a single API — without building the rails, compliance, or treasury infrastructure. FCNR(B) and GIFT City FDs launching soon.
India’s financial institutions are fragmented across product silos. Each liability or treasury category — NRI FDs, FCNR(B), GIFT City bonds — requires its own compliance stack, regulatory approval, and technical infrastructure.
Only the largest banks can afford to participate. 1,500+ SFBs, NBFCs, and fintechs are permanently locked out — not by capability, but by infrastructure cost.
Each product category needs its own rails, compliance, and vendor relationships. There is no shared layer.
RBI, FEMA, IFSCA each govern different verticals. Managing all simultaneously is beyond most institutions.
SWIFT, NOSTRO, forex desks — the fixed cost of a single new product category runs crores and years.
Without shared infrastructure, smaller institutions can never reach parity in high-margin categories.
Bharatomni’s Financial Operating System provides shared infrastructure for product issuance, compliance, payments, and distribution. Activate a product. Launch fast. The rails are already built.
NRE, NRO, FCNR(B) multi-currency deposits and GIFT IFSC FDs — issued by partnered Scheduled Commercial Banks, white-label under your brand.
KYC, AML, FEMA, and IFSCA handled end to end — CKYC, DigiLocker, NRI-specific flows. Shared across every module.
SWIFT, NOSTRO, and GIFT PSP for cross-border flows. UPI, IMPS, RTGS, NEFT for domestic legs. Single reconciliation layer.
Multi-currency management and forex compliance — shared infrastructure every module draws on. Never build it twice.
Aggregates and normalises rates across tenures, currencies, and partner banks for intelligent product matching.
White-label storefronts, partner portals, real-time dashboards, and revenue attribution — your brand, your economics.
No institution generates its own electricity. They plug into the grid — and the grid handles generation, transmission, compliance, and safety. Bharatomni is that grid for financial products.
India has four government-recognised fixed deposit products built exclusively for NRIs — each with compelling returns, tax advantages, and full repatriation rights. Your customers want them. Bharatomni gives you the infrastructure to offer them — under your brand, in weeks. Here’s exactly what’s available and why NRIs choose each one.
NRE (Non-Resident External) FDs allow NRIs to park their foreign earnings in India in INR. Both principal and interest are fully repatriable. Interest is completely exempt from Indian income tax — making this the go-to product for NRIs who want high INR returns without any tax friction.
Rates indicative. Subject to change. Source: Bank websites, H1 2025.
NRO (Non-Resident Ordinary) FDs are used to invest Indian-source income — rent from property, dividends, pension, or any income earned in India. Denominated in INR. Interest is taxable at 30% TDS, but repatriation of up to USD 1 million per financial year is permitted with appropriate documentation.
Rates indicative. Subject to change. Source: Bank websites, H1 2025.
FCNR(B) (Foreign Currency Non-Resident Bank) deposits are the only NRI fixed deposit held entirely in foreign currency — USD, GBP, EUR, AUD, CAD, or JPY. No INR conversion means zero exchange rate risk. Interest and principal are fully tax-free in India and fully repatriable. The ideal product for NRIs who want India’s superior rates without rupee exposure.
Rates vary by bank. Based on RBI guidelines and SOFR-linked benchmarks. H1 2025.
GIFT City IFSC FDs are term deposits issued by IBU (IFSC Banking Unit) branches of Scheduled Commercial Banks operating within India’s International Financial Services Centre in Gandhinagar. Regulated by IFSCA rather than RBI. USD-denominated. A distinct legal and regulatory product from FCNR(B), suited to NRIs who want an IFSC-domiciled instrument.
Source: SBI GIFT City IBU rate sheet, 09.03.2026. Rates vary by bank.
The Bharatomni levels the playing field. Any institution can activate liability and treasury products without building the underlying infrastructure from scratch.
Expand your liability base without complex forex infrastructure. Serve NRI families who already trust your brand.
Your NRI users already send money home. Close the loop — let them invest it too. Earn distribution revenue on every deposit.
Use Bharatomni as your distribution multiplier — expanding NRI deposit mobilisation at scale without building proprietary distribution.
We are not a tech team that stumbled into banking. We are banking, compliance, and product professionals who understand the regulations, the relationships, and the technical depth this market demands.
First Offering is coming soon — FCNR(B) and GIFT City FDs, fully compliant, white-label, and API-ready. The institutions that activate first will own the customer relationship across every product we ship next.
Tell us about your institution and we’ll respond within one business day.