In this episode of #DamaniTalks, we speak with Simran Singh who is the Co-founder and Chief Strategy Officer at RNFI. It is one of India’s fastest-growing fintech companies which is now listed with a ₹700 Cr+ market cap. They didn’t raise VC money. They didn’t chase headlines. They just got to work.

In his first-ever podcast appearance, Simran shares how RNFI was built into a profitable public company serving over 10 lakh customers a month, with a network of 1.7 lakh+ sahayaks across India.

What You’ll Learn:

1. The unexpected origin story behind RNFI

2. Why losing money early helped shape the company

3. Building in rural India without cutting corners

4. How Simran tracks profitability every single day

5. The trust-first culture that turned 70 people into founders

6. Listing without raising a rupee in venture funding

7. Why he now reports to a CEO and loves it

Why You Should Watch:

If you're building quietly, thinking long-term, and wondering if scale without VC funding is still possible, this conversation is for you. Simran breaks down what it really takes to build something real, without buzzwords, burn, or a backup plan.

This is not the story of disruption. It’s the story of showing up, every single day.

00:00:00- From small-time work to co-founder of RNFI  

00:06:36- Building a PAN India financial distribution network 

00:11:15- How does RNFI adapt its business model by location?  

00:17:35- No funding, straight IPO! 
00:22:47- RNFI's diverse business models 
00:26:08- How can founders prep for an IPO 
00:32:14- When does your business need a CEO? 
00:35:03- RNFI Trust: A smarter way to build ownership? 
00:38:17- How do you find a CEO? 
00:43:49- What sets RNFI’s team culture apart? 
00:46:47- Is 72-hour workweek really worth it? 

00:55:27- Rapid Fire & Closing thoughts 

About our guest, Simran Singh:

LinkedIn: https://www.linkedin.com/in/simran-s-70002623b/

RNFI: https://www.rnfi.in

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