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Build vs Buy
Launch FDs in your app in days, not months. 10+ bank issuers, full white-label branding, compliance included, zero maintenance.
Powering FD Distribution For
The deepest white-label FD infrastructure in India — built for speed, scale, and compliance.
Single integration, access to Small Finance Banks (8-9.5%), commercial banks, and NBFCs. Multi-issuer rate comparison from day one.
Theme configuration via CMS in 1-2 days. SDK integration in 1-2 weeks. No months-long bank integrations required.
102+ design tokens, 30+ feature toggles, 130+ content strings. Your brand — colors, fonts, animations, celebrations — not ours.
RBI KYC Master Direction compliant. PAN, Aadhaar eKYC, VKYC, CKYC, DICGC disclosures, consent management — all built in.
Rate updates, new issuers, regulatory changes, feature enhancements — all handled by Blostem. Your engineering team stays focused on your core product.
Powering FD distribution for Zerodha, Jio, MobiKwik, Jupiter, and Upstox. Battle-tested infrastructure serving millions of users.
A side-by-side comparison of building FD infrastructure from scratch versus using Blostem's white-label platform.
| Feature | With Blostem | Build In-House |
|---|---|---|
| Time to first FD booking | 7-14 days | 6-18 months |
| Year 1 cost | ~Rs 2-4 lakh (engineering time) | Rs 3-5 crore |
| Annual maintenance cost | Zero | Rs 1-1.5 crore/year |
| Bank issuers at launch | 10+ banks & NBFCs | 1-3 (after months of work) |
| Adding new issuers | Automatic — no work required | 3-6 months + Rs 50-80L per bank |
| KYC/VKYC infrastructure | Built-in (PAN, Aadhaar, VKYC, CKYC) | You build and maintain |
| Payment orchestration | 7+ gateways, auto-routing | You integrate 5-7 gateways |
| Compliance updates | Handled by Blostem | Your responsibility |
| Engineering team needed | 1-2 engineers (2 weeks) | 6-8 to build, 3-5 to maintain |
| White-label branding | 102+ design tokens, full customization | Full control (you build everything) |
Estimated annual FD distribution revenue by platform scale (at 15 bps trail commission).
Conservative
500K MAU
Rs 27K
75/mo bookings
Growth
1.5M MAU
Rs 10.1L
1,125/mo bookings
Aggressive
5M MAU
Rs 1.06Cr
7,875/mo bookings
Tier 1
10M MAU
Rs 2.84Cr
15,750/mo bookings
Revenue projections are estimates based on anonymized partner data. Actual results depend on placement, conversion, and user base composition.
Join Zerodha, Jio, MobiKwik, Jupiter, and Upstox. Go live in under 2 weeks.
Talk to Our Team