TEFIN

50+
banks and financial institutions: 16
countries, across four continents: 250M+
app downloads: 250+
people across five offices in India

The Name

Two Worlds.One Word.

TE for technology, the engineering behind the digital channels of 50+ banks. FIN for finance, the banks, lenders and trustee companies we serve. We have always lived where they meet, and the new name simply says it out loud.

Fourteen Years of Firsts

Built One Platformat a Time.

Each year added something banks could rely on. Together these became a complete digital banking stack.

2012
LCode Is Founded
Five banking technologists start building digital banking.
2013
mPassbook
The bank passbook, on the customer's phone.
2014
Mobile Banking and IMPS
Instant transfers from the customer's pocket.
2015
Reach Trustee (RTMS)
Trusteeship, fully automated.
2016
UPI and Mobile Wallet
Real-time payments at national scale.
2017
Prosper Lending Suite
Lending from origination to recovery.
2018–25
Video KYC, D-Secure, Omni-Channel
Smarter onboarding, hardened apps, every channel.
2026
A New Chapter
Two focused companies: LCode and TEFIN.

Leadership

Five Architects.One Long View.

Hands-on software architects with 25+ years each in banking and financial services technology.

Rajendra ShenoyDirector & CEO
Natarajan AruchamyDirector & CTO
A. G. KarthikDirector
Rajesh PaiDirector
Prakash GanesanDirector

125+ combined years in banking and financial services technology

The Monogram

Every ShapeHas a Reason.

A T and an F drawn as one form, because technology and finance belong in one place.

The Arrow: Pointing up. For our clients and for us, the sky is the limit.
The T: Technology. The strong stem and top bar: the foundation banks build on.
The F: Finance. Read the same strokes again and an F appears, grown from the same stem.
The Dot: One stop for every digital banking need.

Where We Work

Rooted in Mangaluru.Working Across India.

Five offices in India, serving institutions in 16 countries across four continents.

Mangaluru
3rd Floor, Ajanta Business Centre, Kapikad Road, Bejai, Karnataka 575004
Udupi
Third Floor, Pragati Business Park, Kunjibettu, Karnataka 576102
Chennai
6th Floor, Khivraj Complex II, Anna Salai, Nandanam, Tamil Nadu 600035
Kochi
4th Floor, AK Towers, South Kalamassery, Kerala 682033

ISO 9001:2015Quality management
ISO 27001:2022Information security
PCI SSFSoftware Security Framework
Red Hat CertifiedOpenShift administrators