Dedication and commitment change lives and circumstances for the better. When the purpose of helping others and society is on the radar, the rest fall in its place naturally. Entrepreneurs are the crux of elevating the quality of life of communities. Their innovative ideas, strategic decision-making and calm composure bring optimism into the picture and foster economic growth.
As one of the fastest-growing business magazines, Business Outreach Magazine has had the opportunity to collaborate with some of the greatest and brightest there are in the entrepreneurial ecosystem. And this time it is no different as we engross ourselves in the success story of Subham Burman, Founder and CEO of PayClick Fintech. It is not only about the grit of the present that thrills us, but about the impact that would inspire several in the coming times.
Subham Burman does not come from a silver spoon and high-tech education from top-tier educational institutions with the right networking opportunity. Rather, Subham’s career started as a delivery boy whose eyes had the glory of an honest person’s work but the dedication of a phenomenal entrepreneur. Subham vividly recalls this time when delivering parcels door to door, surpassing treacherous heat, unbearable rain and shivering winters dictated a day. But amidst the hustle, something unique happened to Subham. He comes from the rural region of India, where small businesses, individual customers and rural entrepreneurs are often denied microloans for business growth or entrepreneurial setups. So one day, Subham saw a villager getting his small loan declined due to the broken, opaque and uncooperative system.
With a diverse career, Subham Burman also worked in DSA and had ground experience in sales. He overcame rejections along every step and learned from the roadblocks. Furthermore, Subham Burman understands that leadership is not about showing off fancy titles but actually collaborating with the team to build a revolutionary product. With PayClick, Fintech created as a stellar AI-powered DSA platform, Subham aims to make finance an area of opportunities rather than exploiting customers for any reason. When it comes to education, Subham Burman has a Master’s IN ECONOMICS. But his experience bred from the streets, taking feedback from the market, dominating the sales floors and putting the focus on banking, finance, and DSA models.
Analyzing the specifics, PayClick Fintech allows a seamless loan disbursement process from lead onboarding to approval with instant payout. Subham’s leadership enabled PayClick Fintech to become the most trusted name in the rural and semi-urban lending space. In their more than 7 years of industry presence, the company provides products like secured loans, unsecured loans, insurance and AEPS. Subham targets PayClick Fintech to achieve about ₹2,000 Cr disbursement run-rate in next 12 months. Their transparent revenue model comes with a 3–4% commission on unsecured loans, 1.25% on secured loans and 30–100% on insurance. In terms of capital invested, ₹12 lakh is from founder capital with no external funding yet. Their diverse clientele includes Individual customers, small businesses and rural borrowers.
Under the distinguished supervision of Subham Burman, PayClick Fintech has collaborated with more than 100 lenders and disbursed about Rs. 100 cr in 10 months. Additionally, the company has done 80 files of SHG groups. Beyond strategic excellence, Subham has scaled PayClick Fintech from a 2-member team to 150+ agents and connectors in less than a year. The company is introducing instant payout and real-time lead tracking systems for partners.
We asked Subham about his take on approaches to attract customers and he shared about the company’s unique features like AI-powered lead onboarding & matchmaking, along with Instant payout to connectors. PayClick Fintech has a channel-first approach with local DSA, agents, and partners. Their holistic content & trust-building technique through regional storytelling also accelerated business growth and partnerships with lenders, insurance firms and technology players. Some of the awards won by Subham and his company include being featured in ABP’s Rising Stars of 2025 as Top 10 Emerging Business Leaders to Watch. They were recognized by several regional business forums for best rural fintech innovation and many other achievements.
Like any business, there have been roadblocks like gathering trust from the market, customers and partners. Building a startup from scratch without external funding required rational business decisions and an ample amount of patience. But Subham Burman scored high in excelling in entrepreneurship and motivating upcoming leaders in the industry. Subham Burman says, “Start small, but never think small. Build with honesty — money and recognition will follow.”
