Banking
Core-adjacent systems where every action needs an owner, a timestamp and a way to prove it later.
- Operations portals
- Audit trails
- Batch processing
The future is engineered here
WE ENGINEERDIGITALPOSSIBILITIES.
Enterprise software. Intelligent platforms. Secure financial technology.
- Based in
- Ahmedabad, India
- Focus
- FinTech & enterprise
- Engagement
- Design to support
- Stack
- .NET · Next.js · Cloud
Who we are
NOT JUSTSOFTWARE.DIGITALENGINEERING.
KarmaTechLab builds the systems organisations run on: financial platforms, connected operations and the infrastructure underneath them. We are an engineering practice, not a template shop — every project starts with the business model and ends with something the team can operate themselves.
01
Start at the operating model
Before a schema or a screen, we map how the work actually happens — including the workaround everyone relies on.
02
Design the failure paths
Retries, partial data, the approver on leave. Systems earn trust by behaving well when things go wrong.
03
Build for the handover
Documented contracts, reproducible environments and code the next engineer can read without a tour.
What we build
EIGHT WAYSWE PUT SYSTEMSINTO PRODUCTION.
Each capability below is a practice, not a package. Scroll through — the environment behind the page changes with the discipline you are reading about.
Service 01 — Banking & FinTech
Money moveswhen the systemholds.
Secure portals, transaction workflows and financial operations engineered for institutions that cannot afford ambiguity.
We model the settlement path first — who initiates, who approves, what proves it happened — then build the services, audit trail and operator tooling around it. Every state a transaction can reach is designed, not discovered in production.
- 01Transaction lifecycle & state modelling
- 02Role-based approvals and maker–checker flows
- 03Bank file formats, SFTP and batch processing
- 04Immutable audit trails and operator consoles
Service 02 — ERP Solutions
One systemfor the wholeoperation.
Connected modules for finance, inventory, procurement, people and reporting — shaped around how the business actually runs.
Off-the-shelf ERP forces the organisation into someone else's process. We start from the operating model, define clean module boundaries, then build the pieces that are genuinely specific and integrate the ones that are not.
- Finance, inventory and procurement modules
- Approval hierarchies and delegation rules
- Consolidated reporting and period closing
- Migration from spreadsheets and legacy systems
Service 03 — SaaS Development
Built to servethe thousandthtenant.
Multi-tenant products with isolation, metering and an architecture that survives its own success.
Tenancy, billing boundaries and background work are decided before the first feature ships, because retrofitting them is where SaaS products stall. The result is a platform that onboards a new customer without an engineer in the loop.
- 01Multi-tenant data isolation strategies
- 02Subscription, entitlement and usage metering
- 03Background processing and job orchestration
- 04Self-serve onboarding and tenant administration
Service 04 — Payment Integration
Every rupeeaccounted for,end to end.
Gateway orchestration, reconciliation and status monitoring across providers and banking rails.
Payments fail in ways that are specific and recoverable. We build for the unhappy path first: idempotent requests, webhook replay, settlement reconciliation and a ledger that answers where any transaction stopped.
- 01Multi-gateway orchestration and failover
- 02Idempotency, retries and webhook replay
- 03Automated settlement reconciliation
- 04Refunds, chargebacks and dispute workflows
Service 05 — Mobile Applications
The workflow,in the hand thatdoes the work.
Fast, intuitive mobile experiences built around the task someone is standing there trying to complete.
Field and floor users are not sitting at a desk with full signal. Offline behaviour, sync conflicts and one-handed reach are design inputs, not polish applied at the end.
- Offline-capable data capture and sync
- Biometric and device-bound authentication
- Push notification and alerting flows
- Release pipelines for both app stores
Service 06 — Cloud & Server Solutions
Infrastructureyou can reasonabout at 3am.
Deployment foundations, observability and operations for systems that are expected to simply be up.
We set up the boring parts properly — environments, secrets, backups, restores that have actually been tested — and instrument the system so a failure explains itself instead of requiring an archaeology session.
- 01Environment, secret and release management
- 02Windows Server / IIS and Linux deployments
- 03Containerisation and CI/CD pipelines
- 04Monitoring, alerting and verified backups
Service 07 — Custom Web Applications
Interfaces thatcarry realcomplexity.
Responsive, accessible applications designed to stay usable as the data and the rules grow.
Dense operational screens are their own discipline. We design the information hierarchy, keyboard paths and empty states alongside the data model, so the hundredth row is as clear as the first.
- 01Operational dashboards and data-dense tables
- 02Design systems and component libraries
- 03WCAG-aligned, keyboard-complete interfaces
- 04Performance budgets held through delivery
Service 08 — API Development
Contracts thatoutlive theintegration.
Secure interfaces connecting internal systems, partners and automation — versioned and documented.
An API is a promise to a system you do not control. We version deliberately, document from the schema, and put authentication, rate limiting and observability at the gateway rather than in every service.
- REST and webhook contract design
- OAuth2, JWT and API key strategies
- Gateway routing, throttling and quotas
- Partner sandboxes and generated documentation
Domain fluency
ENGINEERED FOREVERY CHALLENGE.
Six environments with different rules about evidence, uptime and who is allowed to press the button.
- 01
Banking
Core-adjacent systems where every action needs an owner, a timestamp and a way to prove it later.
- Operations portals
- Audit trails
- Batch processing
- 02
FinTech
Products that move money between parties who have never met, under rules that keep changing.
- Ledgers
- Risk screens
- Partner APIs
- 03
Government Systems
Public-facing services where accessibility, record keeping and long support horizons are the requirements.
- Citizen portals
- Record systems
- Accessibility
- 04
Retail
Inventory and fulfilment across channels, where the number on the screen has to match the shelf.
- Stock accuracy
- Multi-location
- POS integration
- 05
Enterprise
Internal platforms that replace a decade of spreadsheets without stopping the business for a quarter.
- Process modelling
- Migration
- Change management
- 06
SaaS
Multi-tenant products that must onboard the next customer without an engineer in the loop.
- Tenancy
- Metering
- Self-serve onboarding
Product thinking
FOUR PLATFORMSIN THE MAKING.
Solution directions we are building out, shown as working concept interfaces rather than screenshots. Each is labelled, each uses illustrative data, and none is presented as a launched platform.
01 — Enterprise control centre
KarmaERP
One modular workspace for finance, inventory, procurement, people and reporting — assembled from the modules an organisation actually uses.
General ledger
Inventory
Procurement
Approvals
Payroll
Reporting
KarmaERP / Enterprise control centreConcept demo
- Open purchase orders
- 128+14
- Stock value
- ₹4.82 Cr
- Pending approvals
- 23
- Period close
- Day 4 of 7
- General ledger
- Inventory
- Procurement
- Approvals
- Payroll
- Reporting
02 — Workflow intelligence
KarmaFlow
Visual workflows with explicit ownership, structured approvals and a record of why every decision went the way it did.
Flow designer
Approval chains
SLA tracking
Delegation
Audit log
Notifications
KarmaFlow / Workflow intelligenceConcept demo
- Active flows
- 37
- Awaiting approval
- 11
- Avg. cycle time
- 2.4 days
- Breached SLAs
- 2
- Flow designer
- Approval chains
- SLA tracking
- Delegation
- Audit log
- Notifications
03 — Payment operations
KarmaPay
A concept platform for payment files, bank integrations, reconciliation and transaction monitoring in one operator view.
Payment files
Bank connectors
Reconciliation
Exceptions
Settlement
Ledger
KarmaPay / Payment operationsConcept demo
- Settled today
- ₹92.4 L
- In flight
- 412
- Unreconciled
- 6
- Success rate
- 99.2%
| Reference | Bank | Amount | Status |
|---|---|---|---|
| TXN-40291 | HDFC | ₹1,24,000 | Settled |
| TXN-40290 | ICICI | ₹48,500 | Settled |
| TXN-40289 | Axis | ₹2,10,750 | In flight |
| TXN-40288 | SBI | ₹18,900 | Exception |
- Payment files
- Bank connectors
- Reconciliation
- Exceptions
- Settlement
- Ledger
04 — Infrastructure clarity
KarmaCloud
A concept operations dashboard for deployments, system health and service visibility across environments.
Deployments
Service health
Logs
Alerts
Backups
Access
KarmaCloud / Infrastructure clarityConcept demo
- Services healthy
- 24 / 24
- Deploys this week
- 17
- Open alerts
- 1
- Last restore test
- 6 days ago
- api-gateway
- auth
- ledger
- reports
- scheduler
- notifier
- storage
- search
- webhooks
- worker-01
- worker-02
- cache
- Deployments
- Service health
- Logs
- Alerts
- Backups
- Access
Technology ecosystem
POWERED BYMODERN TECHNOLOGY.
Chosen for reliability, maintainability and fit with what the organisation already runs — never for novelty. Hover or focus any technology to slow the orbit and read why it is in the stack.
Backend
Transactional services where correctness matters more than novelty.
Frontend
Interfaces for dense operational work, not just marketing surfaces.
Database
Relational by default — business data has relationships worth enforcing.
Infrastructure
Whatever the organisation already runs, operated properly.
Select a technology to see where it fits in our work.
How we work
FROM AMBIGUITYTO OPERATIONALCLARITY.
- Step 01
Discover
Map the operating reality — people, constraints, the workaround everyone uses.
- Step 02
Design
Shape the experience against real data and the states it will actually be in.
- Step 03
Architect
Set boundaries, contracts and the security model before code is committed.
- Step 04
Develop
Build in reviewable increments, each one demonstrable to the people who asked.
- Step 05
Test
Automated coverage, load behaviour, accessibility and the unhappy paths.
- Step 06
Deploy
Repeatable releases with rollback, monitoring and a verified restore.
- Step 07
Support
Observability, response commitments and an ongoing path for change.
Your next system starts here
LET'S BUILDWHAT'S NEXT.
Bring the business problem — the constraint, the manual process, the system that has run out of road. We will help shape the technical path forward.