Moneyview
Moneyview is a Bangalore-based digital lending marketplace serving 125M+ Indian consumers, particularly thin-file borrowers in Tier 2+ cities, by aggregating personal loans, credit cards, insurance, UPI payments, and wealth products from 50+ partner NBFCs and banks onto a single AI-underwritten mobile app.
- Company typePrivate
- Founded2014
- HeadquartersBangalore, India
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Moneyview does
Moneyview Limited is a Bangalore-headquartered digital lending marketplace founded in 2014, operating as an intermediary that aggregates credit, insurance, savings, and payment products from 50+ partnered NBFCs, banks, insurers, and gold/FD providers onto a single mobile-first super-app. The platform serves 125.49 million registered users across 99.55% of Indian pincodes, with a deliberate focus on thin-file and underserved consumers in Tier 2+ cities who lack formal credit documentation, using alternative data (SMS transactions, bank statements, bureau prefill via TransUnion CIBIL, Experian, Equifax, and CRIF High Mark) and AI-assisted underwriting to deliver 2-minute eligibility checks and within-minutes disbursement on collateral-free personal loans from Rs 5,000 to Rs 10 lakh.
The core platform combines a marketplace distribution layer with balance-sheet lending through wholly-owned NBFC subsidiary Whizdm Finance, plus embedded earnings-on-demand via the acquired Jify platform. The product surface spans personal/home/business/loan-against-property credit, credit cards (powered by HDFC, Axis, Kotak), UPI payments via NPCI TPAP authorization, vehicle insurance under IRDAI Corporate Agent registration CA0925, digital gold with Caratlane lockers, fixed deposits, and a credit-tracker utility. Technology stack emphasizes 256-bit encryption, ISO 27001:2022 certification, and AI-driven underwriting, fraud detection, and collections automation.
The business model is predominantly transaction-fee and affiliate-referral: loan facilitation fees from lending partners, insurance commissions, FD/gold facilitation fees, and credit-card referral fees — with the platform itself free to end users. FY2025 revenue reached Rs 2,379 crore with Rs 240 crore net profit (profitable since FY2022), nine-month FY2026 revenue of Rs 2,409 crore, managed AUM of Rs 19,814 crore, and a $1.2B unicorn valuation achieved in September 2024 ahead of a March 2026 SEBI IPO filing for Rs 1,500 crore.
Moneyview firmographics
Firmographics- Name
- Moneyview
- Legal name
- Moneyview Limited
- Website
- https://moneyview.in
- Company type
- Private
- Founded year
- 2014
- Operating status
- Ipo
- Headcount range
- 251–500 employees
- Short description
- Moneyview is a Bangalore-based digital lending marketplace serving 125M+ Indian consumers, particularly thin-file borrowers in Tier 2+ cities, by aggregating personal loans, credit cards, insurance, UPI payments, and wealth products from 50+ partner NBFCs and banks onto a single AI-underwritten mobile app.
- Ownership category
- akta.pro rank
Moneyview industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
- akta.pro secondary industries
- BNPL Card / Virtual Card Programs (FSAKACAC), Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF), BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG), Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)
Keywords
Where Moneyview is headquartered
LocationHeadquarters
- HQ city
- Bangalore
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
Moneyview business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Loan Facilitation Fees: Moneyview acts as a lending service provider/platform intermediary facilitating credit facilities from partnered NBFCs and banks. While the company states it does not charge fees from users for provision of services via the platform, it generates revenue through facilitation arrangements with lending partners.
- Insurance Distribution Commission: Moneyview, as an IRDAI-registered Corporate Agent (Composite) bearing registration number CA0925, promotes, markets, and sells insurance products of partnered insurance companies. The company states it does not charge fees or commission from users for soliciting insurance products.
- Fixed Deposit and Digital Gold Facilitation: Moneyview facilitates opening of Fixed Deposit accounts through partnered FD facilitators and purchase of digital gold through partnered Digital Gold Providers, earning facilitation fees or commissions from these third-party arrangements.
- Credit Card Referral / Lead Generation: Moneyview acts as a lead generator for banks (e.g., HDFC Bank, Axis Bank, Kotak Bank) for credit card issuance, earning referral fees for directing qualified applicants to banking partners.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | Personal Loans: Rs. 5,000 to Rs. 10,00,000 with interest rates starting at 14% per annum, repayment up to 5 years |
| Usage-based | Monthly | Home Loans: Interest starting from 7.25% p.a. |
| Usage-based | Monthly | Loan on Property: Up to Rs. 75L without ITR |
| Usage-based | Monthly | Business Loans: Up to Rs. 5L with 60M tenure |
| Usage-based | Monthly | Credit Cards: Lifetime FREE cards with up to Rs. 5L limit |
| Unit Pricing | Pay-as-you-go | Digital Gold: Buy 24K Gold from as low as Rs. 10 |
| Unit Pricing | Pay-as-you-go | FD Select: Earn 8.3% from top-trending FDs |
| Unit Pricing | Pay-as-you-go | Vehicle Insurance: Motor insurance for bikes and cars |
| Freemium | Pay-as-you-go | Moneyview UPI: Free UPI payment services |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Moneyview product offering
Product offeringCore offering
Moneyview is a digital lending and personal finance platform offering personal loans, home loans, business loans, loans on property, credit cards, UPI payments, fixed deposits, digital gold, vehicle insurance, and a credit tracker application to Indian consumers and small businesses. The company operates a mobile-first platform that consolidates multiple financial products on a single app, simplifying access to credit and financial services.
Product overview
Moneyview is a digital lending marketplace and financial services super-app that operates through partnerships with multiple NBFCs, banks, and insurance providers. The platform offers a comprehensive suite of financial products including personal loans, home loans, loans against property, business loans, credit cards, fixed deposits, digital gold, motor insurance, credit tracking, and UPI payments. The core platform aggregates offerings from 50+ lending partners and facilitates credit assessment using proprietary underwriting models that analyze alternative data sources including SMS transaction data and credit bureau reports. The company leverages AI for creditworthiness assessment, fraud detection, and payment collection automation. The platform serves over 12 crore users across 18,400+ pincodes in India, primarily targeting Tier 2 and beyond cities with a focus on underserved 'thin-file' borrowers.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loans
- Home Loans
- Business Loans
- Loans Against Property
- Credit Cards
- UPI Payments
- Fixed Deposits
- Digital Gold
- Vehicle Insurance
- Credit Tracker
Quantifiable outcome
- 12 Crore+ registered users with 9.73 million monetized users
- +4 more outcomes
Companies that use Moneyview
Customer profileSegments3 records
Ideal customer profiles2 records
Moneyview technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability5 records
Feature4 records
Moneyview partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- Jify (Zeo Fin Technology Private Limited)coreIn September 2024, Moneyview acquired Zeo Fin Technology Private Limited (Jify), an earned wage access platform, as part of its unicorn funding round. The acquisition enhanced Moneyview's embedded lending solutions by incorporating Jify's earnings-on-demand technology.
- Lending Partners (NBFCs and Banks)coreMoneyview partners with multiple NBFCs and banks as lending partners to provide personal loans, business loans, home loans, and other credit facilities. The company is merely an intermediary facilitating loan applications through its platform.
- Insurance PartnerscoreMoneyview, as an IRDAI-registered Corporate Agent (Composite) with registration number CA0925, promotes, markets, and sells insurance products from partnered insurance companies covering vehicle insurance and other insurance products.
- HDFC BankcoreCredit cards on the Moneyview platform are powered by HDFC Bank, with Moneyview acting as a lead generation and onboarding partner for the bank's credit card products.
- Axis Bank and Kotak BankcoreMoneyview partners with Axis Bank and Kotak Bank for credit card issuance through its platform, offering video KYC completion rewards programs to incentivize applications.
- Caratlane (Digital Gold Partner)coreMoneyview Gold offers 24K pure gold investment with secure lockers in partnership with Caratlane for storage and redemption of digital gold.
- Partnered FD FacilitatorscoreMoneyview facilitates fixed deposit account opening through SDK or API integration with third-party business correspondents and direct selling agents, who in turn partner with various financial institutions for FD services.
- Setu (Brokentusk Technologies Pvt Ltd & Anumati Technologies Private Limited)coreFor bill payment services, Moneyview is an Agent onboarded by Setu, a licensed COU Agent Institution under the Bharat Bill Payment System (BBPS), enabling utility bill payments and prepaid mobile recharges through the platform.
- TransUnion CIBIL, Experian, Equifax, CRIF High MarkcoreMoneyview uses online prefill products from TransUnion CIBIL, Experian, Equifax, and CRIF High Mark for credit scoring and loan application processing, enabling users to prefill application data based on name and mobile number.
- PSP Bank (HDFC Bank)coreMoneyview, as a Third-Party Application Provider (TPAP) authorized by NPCI, connects to UPI through partner sponsor payment service provider bank(s), currently HDFC Bank, enabling UPI payment services on its platform.
Scale indicators11 records
Recent moves8 records
Expansion highlights6 records
Moneyview competitors and assessment
Company assessmentDirect peers
- CASHe: Digital lending platform providing personal loans, salary advances, and BNPL to salaried professionals and millennials in India. Directly comparable to Moneyview's salary-based and short-tenure lending.
- KreditBee: Indian digital lending platform focused on personal loans and small-ticket credit to underserved, salaried and self-employed borrowers in Tier 2+ cities — overlapping target customer and product set with Moneyview's personal loan business.
- BharatPe (PostPe): Indian fintech offering merchant payments and the PostPe BNPL product for consumers. Comparable to Moneyview's Smart Pay BNPL service and digital payments/credit strategy.
- Navi Technologies: Indian fintech super-app offering personal loans, home loans, UPI, insurance, and mutual funds. Overlaps with Moneyview's super-app strategy and target segment of digital-first Indian consumers.
- EarlySalary (Pinch): Indian earned-wage-access and short-term personal loan platform serving salaried employees. Closely comparable to Moneyview's Jify (acquired) earned-wage-access business and small-ticket personal loans.
- PaySense (PayU India): Digital personal loan platform owned by PayU, offering app-based consumer credit to middle and lower-middle-income Indians. Overlaps with Moneyview's mobile-first personal loan model and target segment.
- Slice (North East Small Finance Bank): Indian consumer fintech offering credit cards, BNPL, and personal loans to young professionals and underserved borrowers. Comparable to Moneyview's credit card and personal loan offerings, with similar mobile-first distribution.
Emerging players
- Lendingkart: Indian digital lending platform focused on working capital and small business loans to SMEs. Comparable to Moneyview's small business loan offering for underserved entrepreneurs.
- RupeeRedee: Indian short-term digital lending platform providing personal loans to salaried and self-employed borrowers. Comparable to Moneyview's small-ticket, short-tenure personal loan product for thin-file customers.
Broad incumbents
- Bajaj Finance: India's largest consumer NBFC offering personal loans, home loans, business loans, credit cards, and insurance across all customer segments. Direct overlap with Moneyview's product suite at a much larger scale and broader customer base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Moneyview social profiles
Digital presenceMoneyview compliance and trust
Trust signalCompliance3 records
Moneyview financial estimates
Financial estimateRevenue estimate
Valuation estimate
Moneyview leadership team
Management profileNumber of profiles
Profiles3 records
Moneyview subsidiaries and ownership
Company hierarchySubsidiaries2 records
Moneyview funding detail
Funding detailFunding overview
Funding rounds8 records
Investors16 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Moneyview M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Moneyview
What does Moneyview do?
Moneyview is a digital lending and personal finance platform offering personal loans, home loans, business loans, loans on property, credit cards, UPI payments, fixed deposits, digital gold, vehicle insurance, and a credit tracker application to Indian consumers and small businesses. The company operates a mobile-first platform that consolidates multiple financial products on a single app, simplifying access to credit and financial services.
Is Moneyview a public or private company?
Moneyview is a private company. It is classified as venture growth investor backed and is currently ipo.
When was Moneyview founded?
Moneyview was founded in 2014. It employs 251 to 500 people.
Where is Moneyview based?
Moneyview is headquartered in Bangalore, India, in the Asia region.
How does Moneyview make money?
Four revenue lines are on record. Loan Facilitation Fees are the primary driver. The others are insurance Distribution Commission, fixed Deposit and Digital Gold Facilitation and credit Card Referral / Lead Generation.
Who are Moneyview's main competitors?
Direct peers on record are CASHe, KreditBee, BharatPe (PostPe), Navi Technologies, EarlySalary (Pinch), PaySense (PayU India) and Slice (North East Small Finance Bank). Emerging players are Lendingkart and RupeeRedee. Bajaj Finance is listed as a broad incumbent.
Does Moneyview have an API?
No public API is recorded for Moneyview.
What industry is Moneyview in?
Moneyview's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment), with a secondary code of FSAKACAC, BNPL Card / Virtual Card Programs. Its NAICS code is 5223 and its SIC code is 6141.