Our Products
Four tailored solutions designed for every segment of Indian society
Sahara
Sahara is a utility-support product created for workers with irregular or non-contractual income. It helps enabling continuity of essential household utilities during periods when earnings are delayed, uneven, or unpredictable.
Who it is for
- Gig and platform workers
- Unorganised sector workers
- Daily-wage labourers and informal workforce participants
Why it exists
For large sections of the workforce, income timing is uncertain even when work is consistent. Sahara exists to prevent essential utility disruption caused by income volatility, while encouraging responsible and need-based usage.
Suraksha
Suraksha is a continuity and convenience-focused product designed for individuals with predictable income patterns. It supports uninterrupted access to essential utilities by addressing timing gaps, oversight, or missed actions in routine payments.
Who it is for
- Salaried employees
- Professionals with fixed or predictable monthly income
- Households with stable income flows
Why it exists
Even stable incomes face human realities—forgetfulness, busy schedules, or temporary mismatches between bills and pay cycles. Suraksha provides peace of mind by enabling utilities keep running without promoting financial indiscipline.
Setu
Setu is a utility enablement product built for the self-employed ecosystem. It helps bridge short-term operational payment gaps so that daily business activities remain uninterrupted.
Who it is for
- Self-employed professionals
- Small traders and shop owners
- Sole proprietors and informal business operators
Why it exists
Small businesses often operate on rolling cash cycles rather than fixed salaries. Setu exists to support business continuity by aligning essential utility payments with real-world cash-flow rhythms.
Sadaiva
Sadaiva is a structured utility-support product exclusively designed for micro, small, and medium enterprises (MSMEs). It focuses on long-term continuity of essential utilities that are critical to business operations.
Who it is for
- Registered MSMEs
- Small and growing enterprises with recurring operational utility needs
Why it exists
For MSMEs, utility disruption is not an inconvenience—it is a business risk. Sadaiva exists to provide reliability and continuity while reinforcing responsible, planned financial behaviour at an enterprise level.
Our Services
Smart, simple services that make paying and managing utilities stress-free
Utility Bill Payments
A simple and dependable digital platform to manage and pay essential household and small business utility bills in one place. The service is designed to support timely payments, reduce missed due dates, and bring consistency to everyday utility obligations.
Payment Continuity Support
Support mechanisms designed to help maintain continuity of essential utility services during short-term disruptions in everyday life. This helps critical utilities remain uninterrupted at moments when timely payment becomes difficult, without encouraging overuse or dependency.
Dignity-First Assistance
A consumer-centric approach that prioritizes dignity, transparency, and control while addressing essential utility needs. The service framework is built to assist households and MSMEs during periods of vulnerability or transition, while promoting responsible and informed usage of utilities.
Why Paytility
Built on principles that put people first
How It Works
Getting started is simple and straightforward
01
Sign Up
Create your account in minutes with basic details
02
Choose Your Product
Select the solution that matches your income pattern
03
Add Your Utilities
Connect your essential utility accounts to our platform
04
Stay Uninterrupted
Your utilities continue without worry or disruption
About Paytility
Paytility is a brand initiative of OnHuM Ventures LLP, created to address a fundamental challenge faced by millions of Indian households and businesses: maintaining essential utility services during financial transitions.
We believe that access to basic utilities is not a privilege but a necessity that upholds human dignity. Our mission is to build financial products that are responsible, transparent, and genuinely supportive of the diverse economic realities across India.
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