Pioneering fintech for rural India · Since 2018

Banking at every village doorstep.

From the heart of Guwahati, HookoluPay's Minibank network turns local shops into full-service banking points — cash, payments, transfers and credit, right where people live.

Become an Associate → Get the app

10services, one app
100+banks & NBFCs
15+bill categories

01 — Our story

Founded in 2018 in Guwahati, HookoluPay set out to bring modern finance to the rural corners of India — where access to banking has been a challenge for far too long. Our Minibank model makes every neighbourhood shop a bank.

2018

Born in Assam

Headquartered in Guwahati, transforming the financial landscape of the northeast region first.

Minibank

Banking, localised

Local retailers become banking points — cash, transfers, bills and credit served at the doorstep.

Jobs

Local entrepreneurs

Our platform creates employment and nurtures entrepreneurship in underserved communities.

02 — Product at a glance

Ten services.
One retailer app.

A complete portfolio built on clear planning and customer-centric design. Tap any service to learn more.

03 — Why join us

Be part of a thriving community.

Clear vision, customer focus and effective strategy converge here. Together we innovate, grow and forge connections that lead to success.

Clear business planAn effective plan with more earning opportunities.
Financial managementSound policy built for the long run of small businesses.
Customer-first approachThe customer is king — every service is designed around them.
Innovation & adaptationQuick, innovative technology that keeps your business robust and profitable.
Effective marketingReaching every nook and corner where business happens.
Networking & partnershipsJoin a vast network of businesses that grow together.

Mission

Exceptional service, powered by technology.

Deliver exceptional results to our clients by leveraging the latest technologies and processes — with discipline and transparency, optimised resources, accuracy and efficiency, and a system that keeps improving to meet our partners' needs.

Vision

A brand built on trust and integrity.

Become a leading brand by consistently exceeding partners' expectations — bringing buyers and sellers together on one platform with certified, authentic companies, so every B2B client finds a reliable partner to grow with.

Aziz Ali, Founder & CEO, HookoluPay — **Aziz Ali**Founder & Director

04 — From the director

“Every rural individual should be not just a spectator, but an active participant in our nation's economic journey.”

Growing up in a village in Assam, I saw first-hand how hard it was for rural communities to access banking and financial literacy. After my MBA and a career in banking, that experience became HookoluPay's purpose.

Today we have not only bridged the banking gap — we have created employment that resonates deep within our rural heartlands. Together, we are redefining what rural banking can be, one transaction at a time.

Empower · Enable · Elevate

05 — Our team

Goal-driven people,
decades of depth.

Aziz Ali

Founder & CEO

15+ years in finance & banking

Arif Ali

Co-Founder

Co-founding team

Anandh Kannan

Co-Founder

15+ years in IT

Asokan Nithyanandam

CTO

15+ years in payments

06 — Through the lens

Moments with the ecosystem.

Team HookoluPay at Global Fintech Fest 2023 — Global Fintech Fest 2023

With Yes Bank Ecosystem Head Sanil Chorinchath

Team HookoluPay with YourStory — Team HookoluPay × YourStory

07 — Partner with us

Open your own Minibank.

No minimum eligibility. One wallet for every service. Commission credited instantly with every transaction.

For shops & agents

Associate

Start a recharge, banking or travel counter
Single wallet balance for all services
Commission credited instantly per transaction
Online KYC, verified in ~24 hours

For network builders

Distributor

Grow your own network of associates
Earn on every associate transaction
Balance top-ups even on Sundays & holidays
Approval usually in under 15 minutes

Questions, answered

Who can become an Associate?

Anyone who wishes to open a travel agency or start a retail shop for mobile/DTH recharge. There is no minimum eligibility — we validate the information you provide at registration.

What do I need to become a money transfer associate?

KYC documents: a valid PAN card (mandatory) and any address proof — Aadhaar, driving licence, utility bill or bank passbook.

Do I need to join under an existing distributor?

No. You can become a direct associate, or join through any of our distributors across India.

How does my commission work?

Commission is credited to your wallet balance as soon as each booking or recharge is completed. Your welcome email includes a full commission chart per service and operator.

How do I add balance?

Deposit funds to HookoluPay's bank account via NEFT, e-transfer, cheque or cash, then raise a balance request from your panel. Minimum is ₹500 for associates and ₹1,000 for distributors.

What happens to a pending or failed transaction?

Our system is automatic — a pending transaction resolves to success or failure shortly. If it fails, the amount is refunded to you automatically.

Which transfer modes and banks are supported?

Both IMPS and NEFT, to all banks in India.

08 — Get in touch

Let's take banking
further, together.

Call+91 80992 35553 Emailsupport@hookolupay.com

Registered office

H/No. 14L, Juripar Path, Punjabari, Six Mile, Bye Lane 14, Kamrup, Guwahati, Assam – 781022

Corporate office

Roadali Path, House No. 7, Ambhikagiri Nagar, RGB Road, Guwahati – 781024, Assam