An Exclusive Interview with Mr Rohit Pateria, CEO & Co-founder of Lark Finserv, an Indian fintech company
Mr. Rohit Pateria, CEO and Co-founder of Lark Finserv, shares insights into how his fintech venture is reshaping access to credit in India. In this discussion, he highlights innovation, financial inclusion, and the evolving landscape of digital lending.
What inspired you to co-found Lark Finserv, and what problem were you aiming to solve?
Rohit Pateria: The idea for Lark Finserv came from a simple observation. India’s wealth-tech ecosystem has grown rapidly, but access to credit against financial assets is still slow, fragmented, and mostly available only through a few large institutions.
Investors often cash out of long-term investments in emergencies because they cannot get quick credit. We wanted to fix this by creating a modern, API-first Loan Against Securities (LAS) infrastructure that can integrate into any wealth, fintech, or investment platform.
This would unlock liquidity in minutes. Lark was created to make credit as easy and embedded as payments.
How does Lark Finserv leverage technology to improve financial inclusion?
Rohit Pateria: We see credit as a technology layer instead of a traditional lending product. With Lark’s LAS Credit Infra, any app – from mutual fund platforms to neo-banks – can provide digital loans against mutual funds instantly.
This cuts down on the need for physical documents, branch visits, or complicated approval processes. Our real-time API stack, CAS-based asset verification, and multi-lender orchestration enable even small distributors and local financial advisors to offer top-notch credit products to their clients.
How do you ensure strong cybersecurity measures and data privacy for users?
Rohit Pateria: Security is a key part of our design. We use a zero-trust framework, strong encryption for data in storage and during transfer, and strict access controls. Our systems meet RBI’s DLG framework and go through industry-standard security audits.
We also avoid storing unnecessary investor data; everything comes through regulated channels with clear user consent. Our philosophy is simple: build trust through transparency and solid engineering.
What differentiates Lark Finserv from other fintech players in the market?
Three things:
- We’re developer-first – our LAS infrastructure is designed like Stripe for credit.
- We’re multi-lender – partners have a single integration that connects them to several lenders and improved approval rates.
- We’re embedded – credit is a feature within existing apps, not a separate process.
This combination of speed, scalability, and distribution sets Lark apart and positions us to drive India’s next wave of secured digital credit.
What are some of the key milestones or achievements Lark Finserv has reached so far?
Rohit Pateria: We launched India’s first fully digital LAS stack with real-time limit assignment. Over 5,000 borrowers have used our infrastructure through partner platforms.
We’ve partnered with top wealth-tech companies, and national distributors, and our product has maintained over 99.9% uptime. Our LARKx app for retail investors has also achieved early traction with strong repeat usage.
How does your platform cater to underserved or first-time borrowers?
Rohit Pateria: Many first-time borrowers face challenges with paperwork and lack of credit history. By allowing loans against their existing mutual fund investments, we help them access formal credit without hassle.
The entire process is digital, instant, and does not require traditional income proofs. Small investors can access liquidity without disturbing their long-term goals.
What advice would you give aspiring fintech entrepreneurs entering this competitive space?
Rohit Pateria: Build slowly, but build correctly. Fintech rewards trust, not shortcuts. Solve a real problem, deeply understand the regulatory landscape, and treat technology and compliance as equally important. Most importantly, stay focused on customer experience. That’s where true differentiation happens.
As Mr. Rohit Pateria outlines Lark Finserv’s vision, his commitment to responsible lending and technology-driven finance stands clear. His efforts continue to bridge financial gaps, empowering individuals and businesses to achieve greater growth through smarter, more inclusive credit solutions.
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