India-Built · Global-First · AI-Native
Technology as an enabler for human progress.
Built in India. Deployed globally.
Three AI-native platforms across communications, finance, and healthcare — engineered for the compliance depth, language complexity, and transaction scale that no Western platform was designed to handle.
Our Ventures
Three platforms. One vision.
Each SBU solves a distinct enterprise vertical. Together they form an AI-native ecosystem built from India, deployed globally.
Pixabits.AI
pixabits.ai · CPaaS
India's Unified CPaaS Platform — SMS, Voice, WhatsApp, RCS, Email, VAS, Network API, AiCAM & Lite CRM. 10 channels. One API. One bill. 127+ global carrier routes.
Explore platform →
PaisaStreet
paisastreet.com · FinTech
India's digital financial marketplace — credit cards, loans & insurance matched to your profile in 60 seconds. 50+ partner banks. Free CIBIL score. Paisa Wallet for lifetime tracking.
Explore platform →
Biople.AI
biople.ai · Digital Health
The UPI for Indian Healthcare — connecting every doctor, hospital, lab, pharmacy, insurer, government node and pharma company. ₹7L Cr market. One patient ID. Always free.
Explore platform →
Traction
Real numbers. Real growth.
0+
Global carrier routes
0+
Messages delivered monthly
0+
Countries reached
₹0Cr
DCF valuation · SPA Capital
Foundation
Vision & mission
Vision
"Make technology an unstoppable enabler of human progress — built from India's complexity, deployed at global scale."
Mission
"Engineer AI-native platforms that adapt as fast as the world changes, with humans in command at every critical decision."
Philosophy
"India's constraints — language diversity, regulatory depth, transaction volume — are our greatest global competitive advantage."
Promise
"Investors gain value. Partners gain leverage. Customers gain experiences they didn't know were possible."
Trusted by India's leading enterprises & institutions
RailTelHDFC BankGAIL India
BPCLCanara BankIRCTC
SBIICICIHartron
New India AssuranceSouth Asian University
AirtelVodafoneBSNLJio
Meta BSPGoogle CloudAWSAzure
Intelligence Layer
What powers every platform
Shared AI infrastructure woven across all three SBUs — the invisible engine that makes Biocipher more than a holding company.
AiCAM Campaign Engine
AI-powered omnichannel campaign orchestration. Audience segmentation, A/B testing, optimal send-time prediction. Multi-LLM routing across Claude, GPT-4 and Gemini.
Indic language native
IndicBERT-powered NLU for 22+ Indian languages. Real compliance-aware NLP built for India's linguistic diversity, not translated approximations.
RAG knowledge engine
Retrieval-augmented generation with domain-specific vector stores per SBU. Grounded, precise, enterprise-safe responses at scale.
Sub-800ms voice AI
Real-time conversational AI meeting enterprise-grade voice SLAs. Powering IVR replacement, AI agents and voice verification globally.
Newsroom
Press inquiries
press@biocipher.in
General inquiries
business@biocipher.in
Media assets
Download press kit
Pixabits.AI launches RCS Business Messaging for Indian enterprises
Rich cards, carousels and suggested replies now available across all major carriers. Auto-fallback to SMS included at no extra cost.
PaisaStreet crosses 2 Lakh users — now India's fastest-growing financial marketplace
50+ credit cards, 30+ banking partners, and AI-powered matching delivering 2-minute approvals across 500+ cities.
Biople.AI opens early access — India's unified health platform goes live
One platform connecting every doctor, hospital, lab, pharmacy and insurer. Built on ABDM/ABHA rails. Always free for patients.
Why 90% of businesses will integrate CPaaS by 2027 — and what it means for India
Enterprise messaging is shifting from cost centre to revenue driver. India's DLT framework creates a unique compliance moat.
Building the UPI for healthcare: why interoperability is India's next digital revolution
5.8M Indians die annually from preventable conditions. The information existed — it just wasn't connected. Biople changes that.
Ready to build with Biocipher?
Invest, partner, or join the team shaping India's AI-native enterprise stack.
Biocipher Venture 1 · CPaaS
One platform.
Every channel.
Every customer.
India's Unified CPaaS Platform. SMS, Voice, WhatsApp, RCS, Email, VAS, Network API, AiCAM & Lite CRM. 10 channels. One API. One bill. 127+ global carrier routes. DLT & TRAI compliant.
190+
Countries
10B+
Messages/month
127+
Carrier routes
10
Channels
99.9%
Uptime SLA
₹0
Starter plan
Product Stack
10 channels. One API. One bill.
Every channel your enterprise needs — DLT & TRAI compliant, CAMARA-ready, with transparent per-message pricing in INR or USD.
SMS
DLT-compliant transactional, promotional & OTP. Smart routing across all operators. From ₹0.15/SMS. 190+ countries.
WhatsApp
Official Meta BSP. Chatbot, broadcast, catalog, rich media. 2B+ users reachable. From ₹0.20/conversation.
Voice
Outbound calls, IVR builder, call recording, voicebot. SIP & SMPP support. From ₹0.40/min.
Email
Transactional & marketing email. DKIM, SPF, DMARC. Open/click tracking. From ₹0.10/email.
RCS
Rich cards, carousels, suggested replies. App-like experience in native SMS. Auto fallback. From ₹0.15/message.
VAS
Aadhaar eKYC, PAN, GSTIN, Bank, Vehicle RC, Fraud score verification. UIDAI licensed. From ₹0.25/call.
Network API
SIM Swap, Number Verify, Device Location, HLR, MNP. CAMARA-compliant. GSMA Open Gateway. From ₹0.15/call.
AiCAM
AI-powered omnichannel campaign engine. Audience segmentation, A/B testing, optimal send-time prediction. Built-in analytics.
Lite CRM
Built-in contacts, deal pipeline, activities. No separate subscription needed. Auto-logged interactions across all channels. Free on all plans.
Pricing
Start free. Scale as you grow.
Transparent per-message pricing in INR or USD. No hidden fees. No credit card required.
Starter — ₹0/mo
₹500 free credits. All 10 channels. Lite CRM included. Perfect for developers who ship fast.
Growth — ₹4,999/mo
₹1,000 signup + ₹500/mo credits. AiCAM campaigns included. Most popular plan for scaling businesses.
Enterprise — ₹24,999/mo
₹5,000/mo credits. Dedicated account manager. Custom carrier routes. SLA guarantees. Volume discounts.
DLT
TRAI compliant
ISO
27001 certified
SOC 2
Type II audited
CAMARA
GSMA Open Gateway
One platform. Every channel. Every customer.
Start free — no credit card. Start your 14-day trial today.
India's #1 Financial Marketplace
Compare. Apply.
Get Approved.
50+ credit cards, best loan rates, top insurance plans — all in one place. AI-matched offers. Zero paperwork. Cards · Loans · Insurance.
50+
Credit cards
30+
Banks & NBFCs
2min
Approval time
₹0
Fees to compare
Free
CIBIL score
Featured Products
Top picks. AI-matched to you.
Personalised picks from 50+ partner banks. 60-second eligibility. Sub-100ms real-time matching.
HDFC Regalia Gold
2,500 joining bonus points. 12 lounge visits. Premium rewards on travel, dining and lifestyle.
Axis Ace
5% cashback on utilities. ₹499/year. Best-in-class everyday cashback card.
ICICI Amazon Pay
Free card. 5% back on Amazon. 2% on partner sites. India's most popular co-brand.
Product Suite
One platform. All financial products.
Apply, track and manage every financial product — powered by AI matching. No CIBIL impact. Soft credit check only.
Credit Cards
Rewards, travel, cashback, fuel, business & lifetime free cards from 50+ partner banks. Pixel Card, Marriott Bonvoy, Regalia Gold & more. 60-second AI match.
Loans
Personal from 9.99% p.a., 4-hour disbursal. Home 8.50% p.a. up to ₹10 Cr. Business 11.5% p.a. up to ₹5 Cr. CC Insta Loan & balance transfer.
Insurance
Term life ₹1 Cr cover from ₹532/mo. Family floater health from ₹299/mo. Motor, home, travel & business insurance.
Free CIBIL Score
Monthly CIBIL refresh with personalised improvement tips. Financial Health Score (0–1000) for holistic assessment. Zero impact on score.
Paisa Wallet
Unified dashboard with application tracker, smart alerts (EMI reminders, renewal alerts, rate changes), pre-approved offers and referral rewards.
FIN-LOCKER Vault
AES-256 encrypted digital vault for KYC, statements & policies. One-click sharing for applications. DPDP 2023 compliant.
Street Coins
50 coins on signup. 200 coins on card approval. 100 coins per referral. 1 coin = ₹0.10 cashback. Gamified financial engagement.
Banking Partners
HDFC Bank
ICICI Bank
SBI Card
Axis Bank
Kotak Bank
Bajaj Finserv
IDFC FIRST
IndusInd Bank
Yes Bank
DPDP
Act Ready · Zero-knowledge Data
AI
Powered · 60-second eligibility
<100ms
Real-time matching
400M+
Consumers & 63M+ MSMEs
Money matters. Let's make it work harder.
India's unified digital financial marketplace. Empowering consumers and MSMEs with personalised credit products.
India's Unified Health Platform
Your health. Your data.
Your ecosystem.
One platform connecting every patient to every doctor, hospital, lab, pharmacy and insurer — seamlessly, securely, in real time. The UPI for healthcare. Always free. Keep Life Alive.
1.4B
Lives connected
18
Minutes saved per consult
<4s
Emergency access
₹12K
Annual family saving
ABDM
ABHA integrated
Patient First
You are not a file. You are the center.
Your entire health life — from your first prescription to your last ECG — in one place. Under your control. Always.
Lifelong EHR
Every diagnosis, prescription, report and vital — timestamped, graphed, always yours.
Biople ID
One universal health ID linked to ABHA. Every institution recognises you.
Emergency One Pager
No login needed. Critical info, blood group, allergies, insurance — instantly available to first responders.
Family Access
Your NRI son monitors your vitals. Your spouse books your appointment. 4-tier consent.
AI Advisory
Preventive. Predictive. Honest. Act before a problem becomes a crisis.
Works Everywhere
iOS, Android, 2G, 12 regional languages. Built for 1.4 billion.
The Case for Biople
People are dying for want of information.
Not want of doctors. Not want of medicines. The information existed — it just wasn't connected.
5.8M
Indians die annually from preventable conditions
78%
No accessible medical history in emergency
50%
Medication non-adherence — silent killer
₹4,200Cr
Lost annually to insurance fraud
The Ecosystem
Every stakeholder. One platform.
With the patient always at the center.
Doctor Console
AI pre-consultation brief with 5-year history. E-prescription with drug interaction checking. EHR timeline. Diagnostic AI — ECG, imaging, pathology.
Hospital Console
HMIS integration via FHIR R4. Emergency pre-notification with pre-auth. Real-time bed management. AI-audited itemised billing.
Diagnostics Console
Lab orders received digitally. E-reports auto-flow to patient record. DICOM integration for imaging. AI-assisted pathology analysis.
Pharmacy Console
Rx scan via Biople ID. Allergy & drug interaction flags. Generic alternative suggestions. Pillbox sync for adherence.
Insurance Console
Automated pre-auth at admission. AI-audited claims. Real-time claim status to patient. Trust Score — publicly visible. Fraud detection via AI.
Developer Console
REST, GraphQL, FHIR R4, gRPC, WebSocket, Webhook. Multi-language SDKs. Interactive sandbox with synthetic data.
The Platform
Engineered for zero failure.
7-layer defence-in-depth on AWS Mumbai. Data never leaves India.
7
Security layers · defence in depth
13
Domain microservices
12
Regional languages · voice input
6
API types · REST GraphQL FHIR gRPC WS
Keep life alive.
ICT as profession. Healthcare as passion. Nation as purpose.
About Biocipher
The company behind the platforms.
Biocipher Technologies is a DPIIT-certified deep-tech company headquartered in Gurugram, building AI-native enterprise platforms across communications, finance, and healthcare — three regulated verticals where India's complexity becomes a global competitive advantage.
The Founder
Where did the spark come from?
"After two decades at Airtel, VSNL, and MeitY, I saw firsthand how India's enterprises were forced to stitch together Western SaaS tools that were never designed for our regulatory depth, language diversity, or transaction scale. Biocipher was born to fix that — to build platforms from India's complexity outward, not bolt compliance on as an afterthought."
Pawan Kumar Kaushal
Founder & CEO, Biocipher Technologies
25+
Years in ICT
Airtel
VP Enterprise
MeitY
Govt of India
VSNL
Pioneer
The Journey
Milestones that matter
2015
Biocipher founded
Incorporated in Gurugram. DPIIT Certified. Two patents filed — NFC-based FinTech Services & USSD-based Secure Financial Transactions.
2022
Pixabits CPaaS goes live
First enterprise clients. White-label for RailTel as 'Campaas'. Unified 10 channels under one API.
2023
PaisaStreet launches
Digital financial marketplace. Onboarded 50+ banking partners. DCF valuation ₹130Cr by SPA Capital.
2024
Biople.AI in development
India's unified health exchange. ABDM-integrated. 6 consoles across 8 ecosystem nodes. Free for patients.
2025+
Global expansion
13 Indian cities, Dubai, Singapore, US, UK, ASEAN, Africa. Three SBUs scaling in parallel.
Our Three Verticals
One company, three regulated frontiers.
Each platform is purpose-built for a vertical where compliance, language diversity, and transaction scale define the competitive moat.
CPaaS
Pixabits.AI
India's only DLT-native CPaaS. 10 channels unified under one API — SMS, WhatsApp, RCS, voice, email. White-labeled as 'Campaas' for RailTel. 127+ carrier routes, 500M+ messages processed.
FinTech
PaisaStreet
Digital financial marketplace across credit cards, loans, insurance, and mutual funds. 50+ banking partners including HDFC, ICICI, Axis, SBI. AI-powered profile matching. DCF valuation ₹130Cr.
HealthTech
Biople.AI
India's unified health exchange. ABDM-integrated. 6 consoles — Patient, Doctor, Pharmacy, Lab, Hospital, Insurance. Free for patients, SaaS for providers. 8 ecosystem nodes connected through a single data mesh.
How We Think
Principles, not slogans.
These aren't wall posters. They are engineering and business decisions we make every day.
Regulation is architecture, not overhead
DLT, TRAI, ABDM, SEBI, IRDAI, RBI — we build compliance into the data model and API layer from day one. Every platform ships regulation-ready, not regulation-patched.
AI-native, not AI-added
Our platforms don't have an "AI feature". They are built on AI from the ground up — intelligent routing in CPaaS, profile matching in FinTech, clinical decision support in HealthTech.
Own the full stack, share the value
We build end-to-end platforms, then white-label and revenue-share with partners — RailTel, HSCC, Hartron, BECIL. Their distribution, our technology. Both sides win.
India's complexity is a moat
22 official languages, layered regulations, massive transaction volumes — these aren't problems to solve later. They are the reason no Western platform can compete here, and the reason our platforms work globally.
Leadership
The people building Biocipher
PK
Pawan Kumar Kaushal
Founder & CEO
Technology evangelist with 25+ years in ICT. Former VP Enterprise at Bharti Airtel, MeitY Government of India, VSNL. 2 patents. DPIIT Certified founder.
AS
Avinesh Sharma
Chief Operating Officer
Former MD at Accenture Song. Led strategic growth at McCann Worldgroup and IPG Mediabrands. Drives operational excellence across all three SBUs.
NS
Nidhi Sharma
Co-Founder & CHRO
15+ years in HR leadership. Expert in talent acquisition, competency mapping and building high-performance teams across technology organisations.
Collaborate · Invest · Grow
Build the future with Biocipher.
Investor, enterprise partner, technology collaborator, or talent — there is a seat for you in building India's AI-native enterprise stack.
Four Pathways
How to build with Biocipher
Investor Relations
DCF Valuation ₹130Cr ($16Mn) by SPA Capital. Phase 1: ₹15Cr, Phase 2: ₹10Cr. Revenue growing from ₹17.5Cr (FY24) to projected ₹124.6Cr (FY28). 127+ carrier routes. Three high-growth verticals. EBITDA 7% → 30%.
Technology & Business Partners
White-label platform agreements (RailTel, HSCC, Hartron, BECIL model). API integration partnerships. Channel reseller programmes across India and ASEAN. Revenue-sharing for PSUs, telcos and enterprises.
Careers & Talent
Engineering, product, sales and operations roles across Gurugram and remote. GenX ideation culture — where young leaders are mentored, not managed. Building AI-native platforms for the world.
Global Collaboration
13 Indian cities, Dubai, Singapore, US, UK, Africa, ASEAN. Seeking telco partners, PSU collaborators, healthcare systems and financial institutions in each geography.
Financial Snapshot
Growth trajectory
Pixabits SBU projections. EBITDA expanding from 7% to 30% as platform scales.
FY 2023–24
₹17.5 Cr
EBITDA 7%
FY 2024–25
₹27.3 Cr
EBITDA 8%
FY 2025–26
₹63 Cr
EBITDA 23%
FY 2027–28
₹124.6 Cr
EBITDA 30%
Get in Touch
Let's start a conversation
business@biocipher.in
Phone
+91 98102 03130
Office
JMD Megapolis, Sector 48
Gurugram, Haryana 122018
Message sent!
We'll get back to you within 24 hours.
Let's build something meaningful together.
business@biocipher.in · +91 98102 03130 · Gurugram, India