How Swati Bhargava Made 225 Crores Of Net Worth By Giving Huge CashBacks Through CashKaro App

Business Innovation By Uma Nagar | 4 min read

Swati Bhargava

Well, since the day UPI came into our lives, our money has taken a U-turn. UPI has made the process of spending money easier and the process of saving money has ended. The time for using cash has gone! From Rs. 10 to making big payments, we use UPI without checking how carelessly we are spending our money. In this scenario, can you imagine getting some money back on every purchase you make online?

However, there is one application that gives real cash back to our banks for every online shopping we do. Meet Indian businesswoman Swati Bhargava, who has launched the CashKaro application that gives you cashback whenever you shop from Myntra, Nykaa or Amazon.

This CashKaro founder is now earning crores by giving customers real cash back in their bank accounts. Well, keep reading to learn how CashKaro works and how to earn cash back in CashKaro.

What is the CashKaro App?

CashKaro is one of the finest cashback and coupon sites in India and is based in Gurgaon. The Cashkaro app provides a wide range of offers and bright deals on e-commerce transactions. It was founded in 2013 to make everyone’s online shopping experience less expensive and worth it. With CashKaro, the customer earns some amount of Cashback as a return.


More than 1500 shopping sites such as Amazon, Flipkart, Myntra, etc are registered on the CashKaro app. That means if you shop at these stores through your connected account on CashKaro, then you will receive numerous benefits and offers that will make feel good. After all, we all love getting some cashback in return of purchasing something.

According to the Cashkaro wikipedia information, CashKaro app owner is the husband wife duo who founded this innovative cashkaro app in 2013.

Meet CashKaro Founder- Swati Bhargava

Cashkaro owner, Swati Bhargava is the co-founder of cashkaro which she started with her husband primarily as a cashback business, Pouring Pounds in the United Kingdom and later entered in Indian market as Cashkaro app owner. Swati Bhargava was born in 1975 in the small town of Ambala, situated in Haryana.

Swati Bhargava
Source- Instagram

From the beginning, Swati Bhargava was a studious kid and always aimed to be the school topper. She completed her primary, secondary and higher studies in her town only. She also topped the state of Haryana in the 10th board exam and got 100% in the math exam. For her exceptional academic success, Swati also received a scholarship from the government of Singapore for further studies.

Full NameSwati Bhargava
Birth Date27 April 1975
Age44 years old
HometownAmbala, Haryana, India
EducationBSc Hons degree in maths and economics from London school of Economics
OccupationCashKaro Founder
Martial StatusMarried
Spouse NameRohan Bhargava

CashKaro founder Swati Bhargava completed her BSc Honors degree in maths and economics from the London School of Economics. After that, she worked tirelessly at Goldman Sachs for five years, where she did investment banking. In that same company, she met her husband, Rahul Bhargava and interestingly, it was her husband who introduced her to the cashback sites.

Rahul Bhargava
Source- Instagram

The Cashkaro owners got the idea of launching this business after the incident when they were booking tickets for their trip through a UK cashback site. They were thrilled to earn a cashback of Rs. 25,000 in return. That’s how they started planning to launch the CashKaro app in India.

CashKaro Business Model

However, the competition in the business field is always high but Swati Bhargava already had a Cashkaro business model designed in her mind.

The CashKaro business model is so simple that the retailers who are connected with CashKaro will receive the commission that can be shared as cashback with the customer after the purchase. It uses trending affiliate marketing and is also a one-time investment for a lifetime. Cashkaro’s business model is based on this commission-based system.

CashKaro Funding

CashKaro’s business model gained investors and received a great deal of funding. In the years from 2013 to 2022, Cashkaro founder Swati Bhargava raised $33.2 million over 6 rounds. The investors are Kalaari Capital, Sequoia Capital India, and RB Investments, along with the great Ratan Tata.

Brand Ambassador of the CashKaro: Genelia Deshmukh

Genelia Deshmukh
Source- Instagram

Recently, in September 2023, CashKaro collaborated with the great Indian actress, Genelia Deshmukh, and announced her as the brand ambassador of Cashkaro. In this collaboration, CashKaro has started a 360-degree advertising campaign that features Genelia. This ad campaign narrates how shopping via CashKaro will help users earn extra cashback that they can transfer to their bank.

How does CashKaro work?

Swati Bhargava, with her expertise in technology, developed a user-friendly platform that provides a seamless experience for online shoppers. Her husband, with his expertise in marketing, Rahul Bhargava had made CashKaro a successful leading business.

The basic idea behind CashKaro is to increase sales for affiliated shops like Amazon and Flipkart. For every sale we drive, we receive a commission from the store, most of which is transferred to our users in the form of cashback.

Net Worth of Swati Bhargava’s CashKaro

Swati Bhargava, along with her husband, Rahul Bhargava, is working continuously on growing Cashkaro by expanding their partnership with more e-commerce websites to provide a wide range of products and also investing in technology to improve the user experience.

In the year 2021, CashKaro’s net worth was around 100 crores and by the year 2022, CashKaro’s net worth had increased to 225 crores. CashKaro owner Swati Bhargava has a net worth of $2 million. She was listed in Fortune India’s 40 Under 40 list. In 2016, she was recognized as one of the top young Business Women.

Mad4India really appreciates Swati Bhargava’s innovative Cashkaro startup and congratulates her for the grand collaboration with Genelia Deshmukh. CashKaro app reviews even confirm the popularity and efficiency of Cashkaro.

Frequently Asked Questions

How to earn cashback in Cashkaro?

Login to Cashkaro account.
Shop from the online stores available on Cashkaro and avail offers and promo codes.
You will receive the cashback in 72 hours.

How to use CashKaro?

There are three steps to using CashKaro
1. Browse the store through CashKaro before making any purchase.
2. Before the session expires, complete your purchase.
3. Redeem your cashback via bank transfer or gift voucher.

How to use CashKaro cashback?

Once your cashback reaches Rs.250, you can redeem it through gift cards or transfer to your bank. After that, you can use your cash back as real cash.

How to withdraw money from CashKaro?

CashKaro cashback can be transferred to your bank or you can redeem that cash by using Amazon and Flipkart Gift Card Coupons.

For Copyright Purposes, Links for the feature image- 1, 2, 3

If you loved reading the success story of CashKaro founder, then do read about Pune’s Zerocircle Is Crafting Bio-Soluble Packaging From Seaweed— 100% dissolvable Alternative For Plastic Packaging!

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