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Swati Bhargava’s Inspiring Journey: From Ambala to Building CashKaro & EarnKaro

  • Writer: UnscriptedVani
    UnscriptedVani
  • Aug 20
  • 2 min read

It is the story of Swati Bhargava, whose journey falls under resilience, vision, and rebellion against traditions. Born in a little town in Haryana, Ambala, she always fancied that education and ambition could pave ways for reaching success beyond the geographical boundaries. Her determination led her to the London School of Economics, where she managed to secure herself a scholarship to pursue a degree in Mathematics and Economics. LSE was a wellspring both of academic knowledge and a broader worldview that imbued the faith to dream a little bigger.


Smiling woman with dark hair in a black lace outfit stands indoors against a blurred background. Soft lighting, cheerful mood.
Swati Bhargava, Co-Founder of CashKaro & EarnKaro, inspiring a generation of entrepreneurs with her journey from Ambala to building India’s leading cashback platform.

Before venturing into entrepreneurship, Swati had worked briefly in Europe at Goldman Sachs in London, where exposure to the global markets and financial strategies was given. And thus, she appeared to develop an understanding of how businesses grow, scale, and adapt within these highly competitive environments. But Swati was unable to bury her intentions to do something constructive for India for the professional success abroad. She wanted to create a place where people would be able to save, earn, and manage their money with ease and availability.


CashKaro was born out of Swati's own personal experience with cashback platforms in the UK. She realized that Indians were becoming increasingly active toward online shopping, but there was still an apparent deficiency in how they benefit from shopping digitally. Her husband Rohan Bhargava encouraged her, and together they took the plunge to introduce cashback and rewards to Indian consumers. CashKaro was born out of the vision to help people get more value for every rupee they spend online. The platform started with an alliance with major e-commerce companies and graduated into one of India's leading cashback and coupons websites.


Starting up CashKaro was not at all an easy road. The usual fundraising problem and convincing stakeholders for a new consumer behavior to be introduced to the Indian market stung Swati. But with persistence, strategic thinking, and deep commitment to problem-solving, she got through it all. This quality of hers contributed richly in that space through her grasp of finance with an empathetic understanding of consumer needs, and she followed it across a broad horizon into different spaces such as EarnKaro, a social cashback app that invites people to earn by sharing deals and recommendations. That would ride on the upward wave of India's emerging influencer and affiliate marketing space and cement Swati's standing as the maverick entrepreneur.


It is not merely building companies in that individual story but rather inspiring an entire new generation of women entrepreneurs. She has talked consistently about the need to break away from stereotypes, risks taking, and believing in oneself to create impact without much gender consideration. Her vibrant story resonates great with a country where women entrepreneurs gradually create their space within the business ecosystem.


From Ambala to London to being a household name in India's startup ecosystem, Swati Bhargava cuts the spirit of perseverance and forward-thinking. She builds platforms that will continue to simplify financial savings and empower people to earn through technology. Her journey reflects how an idea from personal experience can germinate into a ife-changing venture touching millions, making her a true role model for aspiring entrepreneurs anywhere.

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