17.9%
vs 16.6% deposit growth
Bank credit against deposit growth, year on year, fortnight to 15 Oct 2026.
EETS Invest · A partnership proposal for banks
Every restaurant closes its till at night. Let it open a deposit.
Daily savings, recurring and fixed deposits from your bank, offered inside the billing app restaurants already run on. Your product, your KYC, your balance sheet. We bring the owner, at the right moment, every day.
- Money held by EETS
- ₹0
- Products
- 3
- Pilot
- 90 days
01 Why now
Banks are lending faster than they are raising deposits.
802 mn
UPI payments a day
September 2026. Restaurants are among NPCI's top UPI merchant categories.
96%
of UPI merchant payments
are ₹2,000 or less: small, frequent and predictable, exactly what daily saving needs.
The deposits banks need already flow through restaurant counters every day, in small UPI tickets.
02 The segment
A ₹5.7 lakh crore sector that still saves like it's 1928.
- ₹5.69 lakh crFood-services market, FY24; ₹7.76 lakh cr by FY28
- 85.5 lakhPeople employed directly, 2024
- ~56%Still unorganised: cash-heavy and under-banked
Pigmy, since 1928EETS Invest, 2026
CollectionAgent visits the counterUPI AutoPay after day close
CashAgent carries cashNo cash, no agent
RecordPaper memo, weekly receiptBank statement in the app
AmountFixed, set at openingFixed, or a share of the day's sales
ReachWhere agents can walkEvery restaurant on EETS
03 The product
Three ways to save, all held by your bank.
I
Daily save
₹500a day, fixed
Pigmy reimagined: a set amount every day by auto-debit. For cafés, tiffin centres and small eateries.
II
Save from sales
2%of each day's sales
Moves with the business: more on busy days, less on slow ones. Worked out by EETS after day close.
III
Recurring or fixed deposit
₹2 lakhfor a goal
Monthly instalments or a lump sum for festival stock, renovation or a second outlet.
Figures are examples. Products, rates, tenures and premature-withdrawal terms are set by the partner bank; EETS shows them and never sets them.
04 In the app
From idea to bank request in five screens.
01
Where the owner already is
EETS Partner runs counter billing, captain ordering, the kitchen display and QR ordering all day. EETS Invest sits under More › Grow, visible only to the owner or manager.
02
See the goal
An animated jar of coins fills as the owner plans: ₹500 a day could be ₹6,02,445 in three years. Then pick daily, monthly or a fixed deposit.
03
See it grow, from real sales
2% of sales on the sample restaurant's ₹38,000 average day is about ₹760 a day: ₹9.16 lakh in 36 months at an illustrative 7%. Every projection is labelled as an illustration.
04
Trust, in plain words
How it works, step by step, and four promises on every screen: bank-held, insured up to ₹5 lakh by DICGC, no money in EETS, stop any time.
05
Consent, register, track
Nothing is shared until the owner ticks consent. Your team updates the status; the owner sees each step in the app and gets an inbox message at every change.
Real screens from the EETS Partner app, with sample restaurant data.
05 How money moves
Money moves bank to bank. EETS only moves information.
- 01Owner picks a plan and consents
- 02Your bank completes KYC and opens the account
- 03Owner approves the mandate in their bank app
- 04EETS sends the day's amount; your bank debits
- 05Balances flow back to the app
06 Safeguards
Built so EETS can never become a deposit-taker.
No money held
EETS never receives funds with a promise to return them, which keeps it outside the Banning of Unregulated Deposit Schemes Act, 2019.
Bank-led KYC
RBI's business correspondent framework already covers collecting small-value deposits. KYC and AML stay with your bank, under your BC and outsourcing policy.
Mandates within RBI rules
Under RBI's 21 Apr 2026 e-mandate framework, debits up to ₹15,000 need no extra authentication, with a pre-debit notice and free cancellation.
Consent first
Data reaches your bank only after the owner agrees, with a record of what was shared and when, under the DPDP Act 2023 and Rules 2025.
Data in India
EETS data is stored in India, in Supabase's Mumbai region.
Audit trail
Every instruction sent and every status received is logged and open to your auditors and to RBI. Every screen states DICGC cover of ₹5 lakh per depositor per bank.
07 What your bank gets
A new deposit segment, without a branch or an agent.
Granular retail deposits
Daily, small-ticket inflows from an owner segment few banks reach, spread across thousands of accounts.
No field cost
No collection agent, no cash handling, no end-of-day reconciliation of collections.
Consented sales data
90 days of verified takings at sign-up, shared with consent, to tailor the product and limits.
A path to credit
Deposit history today becomes underwriting for working capital tomorrow, against a ₹30 lakh crore MSME credit gap.
08 What a habit builds
Try it: one restaurant, one daily habit.
Monthly compounding on 30 days of saving a month. Today's market: SBI 1-year RD 6.80%, Post Office RD 6.7% (Jul–Sep 2026). Your bank's rate applies.
One restaurant, 36 months (illustration)
₹6.02 lakh
Across the programme, 36 months (illustration)
₹30.1 crore
09 Who does what
Your bank owns the product. EETS owns the experience.
| Area | Partner bank | Provantic (EETS) |
|---|---|---|
| Product, rates, terms | Designs and owns them | Shows them exactly as given |
| KYC and account opening | Does it, via its own journey or BC channel | Hands over consented interest |
| Holding the money | Every rupee, in the depositor's name | Never touches funds |
| Auto-debit | Runs UPI AutoPay or e-mandate | Suggests the daily amount from sales |
| Statements | Shares balances by API or Account Aggregator | Shows them in the app, with reminders |
| Customer service | Owns deposit complaints | First-line help in the app; routes to the bank |
| Marketing | Approves all wording | Promotes inside EETS and at onboarding |
10 Commercials and pilot
Free for restaurants. Ninety days to prove the habit.
₹0
To the restaurant
Nothing from Provantic, ever, for saving.
Per account
Sourcing fee
One-time, paid by the bank for each active deposit account opened through EETS.
Per year
Servicing fee
A small share of average balances while the account stays active through EETS.
Shared
Integration
Each side builds its own end; we adapt to your existing APIs.
Proposed and open: final figures after the pilot shows activation and retention.
Weeks 1–4
Set up
Agree product and wording. Connect sourcing, mandate and statement APIs. Test consent and mandate end to end.
Weeks 5–8
Soft launch
Offer EETS Invest to restaurants already on EETS in Bengaluru, starting with THE NAAATI, our pilot restaurant.
Weeks 9–12
Review
Accounts opened, mandates active, average daily saving and drop-off. Agree commercials and rollout.
Success measures, agreed before launch
Invited restaurants that open an account · Still saving after 60 days · Complaints per 100 accounts
What we ask of your bank
- 01A savings productDaily or sales-linked deposits, with digital KYC.
- 02AccessSourcing, mandate and statement APIs, or a BC arrangement.
- 03Wording approvalEvery customer-facing line, approved by your bank.
- 04A named teamProduct, compliance and tech owners for the pilot.
Next EETS Borrow
Savings first. Credit that moves with sales next.
The same app already shows owners what a regulated lender could offer, from their own EETS sales: working capital, a new outlet, equipment, or funding repaid as a small share of each day's sales. EETS is the lending service provider; the lender decides, disburses and collects.
- Indicative range from real sales₹3.8 lakh to ₹7.6 lakh on the sample restaurant's ₹32.68 lakh of 90-day sales. The lender sets the final terms.
- Founders' TableRegulars pre-buy meal credit from the restaurant itself, cutting what it needs to borrow.
- Your deposit data, our credit pathA restaurant saving daily with your bank is a borrower you already understand.
11 Next step
Let's make closing time saving time.
Pick a time that suits your team for a 30-minute call. We'll confirm by phone or email within one working day and send a calendar invite.
Premkumar RCEO, Provantic Technologies