Wint Wealth

Bonds offered on the platform carry interest ranging from 9% to 12% fixed returns per annum.

Track record cited as zero defaults till date, with 100% on-time repayments.

"We don't operate like a marketplace. Every bond we sell, we co-invest. We are also putting in our money" — signalling conviction to reassure investors.

Investors from higher-income, urban segments who have already engaged with financial markets and are now diversifying their portfolios into fixed income.

The platform counts over 8 lakh users who trust it for bond investments.

"We had a Zoom button on our homepage. If you booked a Zoom call, one of us would join" — a transparency tactic to overcome skepticism in an unfamiliar asset class.

"Content remained the foundation" of customer acquisition as the company scaled.

"First 100 were through contacts, and 1,000 through LinkedIn."

"Referrals became a significant driver of growth, followed by influencer-led brand building and eventually performance marketing."

"Every bond we sell, we co-invest. We are also putting in our money" — internal vetting of every bond before listing.

Content on fixed-income investing formed the foundation of the company's growth strategy.

Wint Wealth has grown its user base significantly while maintaining a lean core team, with technology and process optimisation enabling it to handle increasing volumes without heavy operational overhead.

SEBI Stock Broker Registration No: INZ000313632 | DP ID: IN304633 — the regulatory license underpinning the platform's ability to distribute bonds to retail investors.

Wint Wealth co-invests alongside investors in every bond it lists, rather than operating a pure marketplace.

15 financial influencers/educators (incl. Ankur Warikoo, Tanmay Bhatt, CA Rachna Ranade) invested and act as product experts/brand ambassadors; "the expertise, reach and financial education that they bring is unparalleled," said cofounder Ajinkya Kulkarni.

"The regulators have been greatly supportive. They wanted to develop the bond market."

Wint Wealth Group acquired a majority stake in NBFC Ambium Finserve (approved by RBI), which now operates wholesale lending as Wint Capital.

Wint Wealth earns roughly 1% on every bond sold on its platform.

The platform generates an annual revenue per user in the ₹3,000–₹4,000 range.

The company maintains a customer acquisition payback period of under 12 months.

Employee benefit expenses were the largest cost component, growing 25.6% to Rs 27 crore in FY25 (including Rs 4.7 crore of ESOP cost) and forming 49% of total cost.

Interest paid by the firm formed 34% of the overall cost in FY25.