Moneyview Unicorn

Eligibility check in ~2 minutes and disbursal to the borrower's account within minutes of approval, requiring only PAN, a selfie and Aadhaar-linked mobile number; loans of ₹5,000 to ₹10,00,000 with 3-60 month tenures.

Positions itself as "India's top-rated all-in-one financial app" spanning personal/business/home loans, credit cards, UPI payments, digital gold/FDs, insurance and free credit-score monitoring.

Moneyview's platform serves approximately 200 million underserved customers, primarily from smaller towns, who have historically had limited access to formal credit.

Personal loan eligibility targets salaried and self-employed individuals aged 21-57 with minimum monthly household income of ₹25,000 and CIBIL scores of 650+.

Automated, largely self-service digital lending journey (eligibility check, KYC, disbursal) plus an in-app 'Credit Tracker' tool for ongoing credit-score monitoring rather than one-off transactions.

Primary distribution channel; over 40 million cumulative app downloads reported at the time of the Series E round (Dec 2022).

Direct web channel for product information, lending-partner disclosures and loan applications.

End-to-end digital lending journey — eligibility check, KYC and disbursal — originated on behalf of partner banks/NBFCs.

Actively expanding default loss guarantee arrangements with lending partners, where Moneyview compensates a partner bank/NBFC for loan defaults up to the RBI-capped 5% of the portfolio; ₹650 Cr of IPO proceeds earmarked for growing disbursals under these DLG arrangements.

Moneyview's own NBFC subsidiary (Whizdm Finance) is being infused with ₹450 crore of IPO proceeds, underlining its role as a core lending-license asset alongside the co-lending partner network.

Uses proprietary algorithms and alternative-data models to assess borrowers with thin or no credit history, enabling lending to underserved segments at scale.

14+ lending partners funding loans originated on the platform: Whizdm Finance, Clix, Aditya Birla Capital, Credit Saison, Piramal Finance, Northern Arc, DMI Finance, Oxyzo, BharatPe, South Indian Bank, Grow Money Capital, PayU Finance, SMFG and Cholamandalam.

Founding member of DLAI, the industry body for India's unified digital-lending/fintech sector.

Sourcing and processing fees collected from financing/lending partners accounted for 92% of collections and grew 5X to Rs 233 crore in FY22.

Facilitation charges grew 54% to Rs 20 crore in FY22, the second-largest revenue line after sourcing/processing fees.

Employee benefit expenses were the single largest cost line at Rs 58 crore (24% of total costs) in FY22, growing 38% YoY; rose further to Rs 157.05 crore in FY24.

Finance costs — the cost of capital borrowed/co-lent to fund the loan book — stood at Rs 127.27 crore in FY24.

Advertisement costs grew 3.1X to Rs 41 crore in FY22, the third-largest expense line that year.