Pankaj Gupta: Redefining customer-centric finance with knowledge, trust and purpose

Pankaj Gupta’s entrepreneurial journey grew from years of experience in banking and a desire to create a financial services business built around what customers actually need. With an MBA in Marketing and Finance and professional experience at ICICI Bank and IndusInd Bank, Pankaj understood the gap between traditional banking policies and the financial requirements of individuals and businesses.

During his banking career, he noticed that customers often faced different eligibility criteria and policies across banks and NBFCs. A loan rejected by one institution did not necessarily mean the customer was financially ineligible. Another lender could have a different policy or risk appetite. He also saw how financial products were sometimes presented based on available tie-ups rather than the actual needs of the customer. These observations became the basis for Sawra Profits Private Limited, founded by Pankaj and his younger brother, Nitin Gupta, an advocate with a BA LLB qualification.

While Pankaj brought his banking, finance, networking and marketing expertise to the business, Nitin contributed his knowledge of legal matters, operations and overall management. Together, their complementary strengths helped establish a business focused on addressing customer needs while maintaining efficient processes and operational stability.

Sawra Profits was created with the idea of bringing multiple banks, NBFCs and financial product providers under one roof. The company works across loans, insurance, mutual funds and tailored financial solutions, with the aim of helping customers find suitable options based on their financial profiles. Operating from Rohtak, Haryana, the company has its sights set on becoming a pan-India financial services provider.

The early journey also brought important lessons. After leaving established jobs, acquiring customers was relatively easier because of Pankaj’s networking and marketing abilities. The greater challenge was execution, since running an independent business meant understanding the complete backend and operational side. With Nitin’s operational and legal expertise complementing Pankaj’s strengths, the brothers worked towards building a stronger foundation for the business. Pankaj also learned to ask for help, study unfamiliar areas and make sure the same mistake was not repeated twice.

His achievements include repeated MDRT recognition in the life insurance sector and growing annual loan disbursals from an initial ₹5 crore challenge to more than ₹100 crore. For Pankaj, the focus remains on consistency, client relationships, team development and daily discipline.

His long-term vision is to make Sawra Profits a trusted financial services provider across India and global markets. Through education loans, business funding, MSME assistance, insurance and wealth creation, the company aims to help individuals and businesses secure their financial goals. With the combined expertise of the two brothers, the philosophy behind their venture remains simple: “Save Your Dreams.”