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What does it take to build a 100M+ ARR SaaS fintech in India without raising billions, without shortcuts, and without ever compromising your values? In this powerful episode, Govindrajan (Govi), co-founder of Perfios, reveals the raw, unfiltered journey of building one of India’s most respected product companies. From building app servers before the world knew what they were, to pioneering OPD, to nearly giving up on a B2C dream and flipping into a B2B rocket ship - this is entrepreneurship at its most real and resilient. Inside this episode: ✅ The grind behind building Perfios from scratch ✅ Why pivoting isn’t a weakness but a survival skill ✅ The truth about freemium models and hard-won lessons ✅ Managing without taking salaries, scaling without VC pressure ✅ Building tech with heart: culture, governance, and staying frugal ✅ What India’s next fintech leap will look like: account aggregator, fraud prevention, and embedded finance ✅ Hiring, failing, bouncing back, and never compromising on integrity Whether you’re a founder, investor, tech enthusiast, or someone dreaming of starting up - this is the conversation you need to watch. Govi’s playbook isn’t just about building a business. It’s about building people, culture, and a lasting legacy. #Perfios #Finteraction #FinteractionPodcast #SaaSIndia #FintechFounders #ProductLeadership #B2BStory #StartupIndia #AccountAggregator #EmbeddedFinance #EntrepreneurshipRealTalk