Kaarva was a developer of financial software designed to help people who do not have access to a bank build and develop their profile in the national banking system.

The startup operated a flexible salary platform that is not a salary advance, but gives workers control over a portion of their earned salary whenever they need it, helping middle- and low-income people with everyday expenses or emergencies.

Founded in 2018 by Agam Goyal (Linkedin) and Khushboo Maheshwari (Linkedin), the company is now closed.