Payments · Finance · Technology · Partnerships
I'm Sumit Kasardekar, founder of The Harsmit Ventures. After 15 years in sales, FinTech and partnerships, I help growing businesses find the right partners for payments, insurance, loans, business software and practical AI.
Watch · Aarambh.NetworkAarambh Founder TalkWho I help
Payments, insurance, loans, business software and practical AI that fit how your business actually works.
Set up payments right from day one, find the right partners and meet the right people in Gujarat's ecosystem.
Distribution, merchant reach and partnerships across Gujarat, from someone who has built them from both sides.
About
I enjoy connecting business problems with the right people, technology, financial solutions and opportunities. A conversation can start with a business challenge and lead to a technology solution, a strategic partnership, a payment opportunity or simply a useful connection.
Good business development isn't just about selling. It's about understanding the problem, asking the right questions, building trust and finding the right fit for both sides.
My storyThe journey · 2011 to now
2011
Managed channel and retail sales for prepaid, postpaid and internet offerings. Grew retail postpaid activations 2.5x in high-volume areas and opened 10+ new MBO and LFR partnerships in Gujarat.
2015
Built partnerships with mobile OEMs and premium stores, secured tie-ups with 50+ service centres statewide and grew retail insurance sales 60% year on year.
2017
Sold and implemented ERP and mobile platforms for gas distributors, digitally enabled 500+ distributors in rural and urban belts and closed ₹4.5 Cr+ in ERP deals over two years.
2020
Led a 90+ member field team for merchant acquisition, activated 12,000+ merchants in 7 months and grew monthly revenue 18% through cross-sell campaigns.
2021
Acquired key clients across BFSI, startups, education, gaming, utilities and government, offering subscription, affordability and payout solutions. Recognised with the Making an Impact award (FY 21–22).
2023
Built relationships with PSU and private banks and government entities for payment solutions, and led end-to-end GTM strategy.
2025
Leads SAP Cloud and migration sales with CXO-level engagement.
Now
Bringing the threads together: helping businesses understand their options and find solutions that fit.
Full careerRooms I'm in
Summits, expos, chambers of commerce and founder meetups across Gujarat. I go to listen: what businesses are building, where they're stuck and what's changing in the market.
All events
Community event · 27 September 2026World Tourism Day 2026
Conference · 9 Sept 2026 – 11 Sept 2026Global Fintech Fest 2026
Meetup · 27 August 2026LinkedIn Recruitathon Ahmedabad
Summit · 22 August 2026IIMA Healthcare Summit 2026
Conference · 23 July 2026Investopia Global Ahmedabad
Exhibition / Expo · 29 June 2026Vibrant Gujarat Regional Exhibition
Summit · 27 June 2026Vadodara HR Summit & HR Leadership Awards
Conference · 18 June 2026KCCI 8th Foundation Day & MSME Convention
Summit · 13 Jun 2026 – 14 Jun 2026Bharat's Startup Summit, Season 5
Policy dialogue · 27 April 2026EU–India Policy Dialogue with the High Commissioner of CyprusHow I can help
Thinking through a distribution, banking or enterprise partnership: who to approach and how it works for both sides.
A sounding board on who buys, how they decide, where deals stall and how to build a sales team that delivers.
How payment, payout and financial products look to the businesses that use them.
When there's a good reason for two people to meet, I'm glad to make the introduction.
Hosting, speaking or joining a discussion at a startup or business event.
What I'm building
THV brings together the areas I've worked in and become most curious about. It helps businesses understand their options and find solutions that fit.
Payments, payouts, lending and insurance options that fit the business.
ERP, CRM, HRMS and SAP that match how a company actually works.
Voice agents, WhatsApp assistants and automation where they save real time.
Beyond the boardroom
Outside work, you'll often find me at Kalhaar Blues & Greens, usually on the range early in the morning. Golf rewards what business does: patience, honest feedback and playing the long game. It's also where some of the most relaxed and candid business conversations happen.
Up for a round? Let's talk
On the range
Insights
From 15 October 2026, larger UPI payments to merchants carry a 0.4% fee. Here is who pays, who is exempt, and what to check with your bank or payment partner.
In September 2025 the RBI brought all its payment aggregator rules into one Master Direction. Here is what it means for the businesses that use them.
Pricing is only one line on the list. After years of selling payment gateways, these are the 12 questions I would ask before signing with any provider.
Within a week of setting out on my own, businesses started calling me about payment gateways. How passing on leads for free became The Harsmit Ventures.
Resources
Free checklist · PDFThe Payment Gateway Checklist: 12 questions to ask before you signA printable 3-page checklist for Indian businesses comparing payment gateways and aggregators: costs, settlement, success rates, RBI compliance and support. Updated for the October 2026 UPI MDR change.Get the free checklist Let's talk
Always open to a good conversation, a useful introduction or an interesting business problem to solve. Send a note with a little context and I'll get back to you.
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FAQ
Sumit Kasardekar is an Ahmedabad-based business development and partnerships professional and the founder of The Harsmit Ventures. He has spent 15 years in sales, FinTech and partnerships across telecom, payments and business technology, at companies including Vodafone, BharatPe, SabPaisa and PhiCommerce. Today he helps growing businesses find the right partners for payments, insurance, loans, business software and practical AI.
The Harsmit Ventures (THV) helps businesses understand their options and find solutions that fit. It works across three areas: financial solutions such as payments, payouts, lending and insurance; business software such as ERP, CRM, HRMS and SAP; and practical AI such as voice agents, WhatsApp assistants and automation. Sumit Kasardekar founded THV in Ahmedabad on 1 September 2025.
Sumit works with three kinds of people. Business owners and MSMEs looking for payments, insurance, loans, software or AI that fit how they work. Founders and startups who want to set up payments right and meet the right people in Gujarat's ecosystem. And banks, FinTechs and enterprises looking for distribution, merchant reach and partnerships across Gujarat.
The simplest way is the form on the Let's talk page. Choose what your note is about, such as a partnership, an event invitation, an interview or a business introduction, and add a little context about you and what you have in mind. Sumit reads every message himself and replies when he can.
No. The insights, guides and regulation summaries on this site are Sumit's personal views and plain-English explanations. They are not investment, legal, tax or other professional advice. For decisions that affect your money or compliance, read the official sources and speak to a qualified adviser such as your CA, CS or lawyer.