Saraswat Infotech Pvt. Ltd. (SIPL) Is Now a Part of RUGR: A New Chapter in Digital Banking

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RUGR, a phenomenon in digital banking, has now acquired Saraswat Infotech Private Limited (SIPL), a leading BFSI technology leader for 25 years. This is the era where digital banking is not a differentiator but a necessity; the recent acquisition of Saraswat Infotech Private Limited (SIPL) by RUGR is a big step towards shaping the fintech landscape.

This move of combining SIPL’s deep legacy in banking technology with RUGR’s modern, agile digital-fintech framework proves that the future of digital banking is in safe hands. Creating a transformative platform poised to support Banks, Urban & Rural co-operative Banks, Scheduled co-operative banks, Co-operative housing societies and NBFCs across the country, this partnership will skyrocket the fintech industry to the next level.

SIPL-RUGR Collaboration: A Game-Changer Move

The integration of Saraswat Infotech enhances RUGR’s product depth and adds institutional credibility with banks and regulators, combining trusted legacy expertise with next-generation fintech innovation.

In essence, this partnership unites Saraswat Infotech’s solution depth with RUGR’s strong distribution capabilities and product-system thinking. Together, they are poised to accelerate 3 and go-to-market execution for bank-grade digital systems designed for Bharat.

At the Forefront of GFF 2025:

Global Fintech Fest 2025 (GFF) served as a premier platform where industry-defining product launches and strategic collaborations took center stage.

RUGR made a powerful impact with the grand launch of its flagship product RUGR-UDAAN, inaugurated by Bollywood superstar Hrithik Roshan. The launch featured leaders from both RUGR and SIPL sharing the stage, symbolizing a strong strategic partnership and a shared vision for advancing digital banking innovation.

Integrated RUGR-SIPL Product Ecosystem

The core banking solutions enable users to get the optimum centralized banking, as Core Banking 6.3 simplifies and connects every branch operation through one central system.

Moreover, Treasury is an investment module for banks that organizes and tracks non-statutory Liquidity Ratio investments, also it ensures accuracy, compliance, and better control over investment portfolios

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RUGR’s payment and digital banking solutions deliver seamless, secure, and always-on financial access. SIPL Internet. Mobile Banking and WhatsApp Banking solutions enable customers to manage accounts and transfer funds anytime, anywhere. SWITCH IMPS and RUGR’s payment and digital banking solutions deliver seamless, secure, and always-on financial access. SIPL Internet. Mobile Banking and WhatsApp Banking solutions enable customers to manage accounts and transfer funds anytime, anywhere. SWITCH IMPS and UPI platforms ensure instant, real-time payments, while the Card Management System streamlines issuance, control, and tracking for a fully connected banking experience.

RUGR-SIPL's lending and financial management solutions optimize the entire credit and fund management process. LOS automates loan lifecycles, LCS tracks disbursements and repayments, and PFMS ensures transparent, real-time fund transfers for timely benefit delivery.

Risk-Based Internal Audit (RBIA): A complete solution for planning, executing, and tracking internal and compliance audits efficiently.

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RUGR and SIPL: Pioneering a New Era of Product-Market Innovation

Simplifying Digital Transformation for Smaller Banks
This collaboration is indeed one of the greatest feats in the history of digital banking, as it will lead to demolishing the hesitation among many Banks to modernise because replacing or retooling a core banking system is high-stakes. Saraswat Infotech’s legacy and domain knowledge reduce integration risk; its modules are already designed for bank workflows.

Accelerating Market Entry with Unified Solution

RUGR’s marketing and distribution footprint, demonstrated during events such as GFF 2025, means customer introductions and pilot programmes can start quickly.

Final Conclusion

The acquisition is more than a headline; it is a pragmatic union of domain expertise and modern product distribution. We saw RUGR amplify its message at GFF 2025, using the event to present product launches and to situate this acquisition within a larger mission to enable digital banking across India’s underserved geographies.

In the world of digital banking, both are pledged to contribute more by allowing their products to be live and be used by regional banks and financial institutions. Their collaboration has a promising future for digital banking as they have vowed to build the best future for financial institutions.

Moneycontrol journalists were not involved in the creation of the article