ApnaKhata is the world's first Universal Mobile Banking App. ApnaKhata is for anyone who has a bank account in the world. Our vision is to bring simplicity into banking by making technology totally invisible to the common man.

ApnaMerchant IN

ApnaMerchant is a collection of all Merchants Establishment in India with their Website address and any SMS based Information Service.

SMS Transaction Framework

SMS Transaction Framework enables any Merchant to provide Product Information, Pricing Information, Service Request and Transaction Services over SMS Channel.


BillSangam is a Billing Engine provided to Merchants to enable Bills to be posted to a Secure Cloud Server for easy retrieval later on for Payment, MIS or Accounting purpose through multiple channels and devices.

CEMS(Customer Engagement Messaging Service)

CEMS is a Business Rules driven SMS/Email Notification System, Which can be programmed to run on a scheduled data and time with different message templates for different campaigns


  • Address:
    SangamOne Connected Services
    180, Royal Hermitage, Gottigere,

    Bannergatta Road,Bangalore - 560083,
    Karnataka INDIA

  • Phone:
    +918026967690, +919620463232

  • Email: