Mr. Karthik Ganapathy
B.Tech., 1993 Electrical Engineering

Mr. Ganapathy is currently the Vice President and Co-founder of Limited (BillDesk). He graduated with his B.Tech. in Electrical Engineering from IIT Bombay, and got his MBA with a f inance specialization from IIM Bangalore in 1995.

Mr. Ganapathy’s professional journey started with Arthur Andersen’s (AA) Financial Services Consulting practice for 5 years before he ventured out on his own. During his years at AA, he worked on diverse projects with banks, brokers, financial institutions, and investment banks. He was exposed to different facets of work – audit, risk management, business strategy, organization structure, operating and business policy making, information technology, etc. and was able to have a truly immersive learning experience.

A critical learning that he derived from the ‘consulting world’ was the ability to communicate effectively, both through speech and the written word. Mr. Ganapathy’s stint at AA transformed him from a fresh graduate to a seasoned professional.

As the co-founder of BillDesk, navigating the dynamic realm of digital payments has been an exhilarating journey over the last two decades.

In 2023, the BillDesk platform processed over Rs. 12 Trillion in digital transactions, a testament to the scale and impact it achieved in revolutionizing India’s payment landscape. Today, BillDesk stands as one of the country’s largest payment solutions platforms, a trusted ally for major banks and diverse business institutions across various sectors.

Witnessing the widespread adoption of BillDesk’s services by India’s leading financial institutions has been immensely gratifying for Mr. Ganapathy and reflects the trust placed on the platform for secure and efficient payment solutions. Notably, BillDesk holds a dominant share in facilitating online transactions through aggregator platforms, solidifying its influence in shaping the digital payment narrative in the country. T his success is not just a testament to BillDesk’s operational prowess but also a reflection of its commitment to innovation and customer-centric solutions.

Personally, leading this charge and witnessing the platform’s exponential growth has been deeply fulfilling for Mr. Ganapathy. It reinforces his vision to continue pushing boundaries, setting new benchmarks, and contributing to the transformative journey of digital transactions in India.

Hobbies: “Reading, Tennis, OTT.”

Special Memories Associated with IIT Bombay

“My years at IIT Bombay are a kaleidoscope of fond experiences, with hostel life serving as the crucible of life-learning lessons. When I look back, I can clearly see the amount of experiential learning and fun that we had – whether it was managing the hostel council body, organizing teams or gaali fights, inter-hostel competitions, playing any and every sport, celebrating festivals, experiencing the highs or lows of quizzes or group studying for end-sems. We were shaped and influenced by ‘kindred’ friends, inspiring seniors, and exalted faculty who were tolerant, and loving and imparted invaluable wisdom. The vibrant atmosphere of events like Mood Indigo added zest, while endless late-night ‘cack’ sessions forged lasting bonds.
Life at IIT Bombay was a beautiful tapestry of unforgettable memories