What Arzooo.com does

Arzooo (legally Moksha Retails Global Private Limited) is a Bengaluru-based B2B retail technology platform serving India's fragmented consumer-electronics and durables value chain. Founded in 2018 by former Flipkart executives Khushnud Khan (CEO) and Rishi Raj Rathore (COO), the company operates a mobile-first platform that supplies 50,000+ retail stores across India with a catalog of 20,000+ SKUs spanning large appliances, small home appliances, mobile phones, and IT products. The platform is delivered through the Arzooo app on iOS and Android, with a self-serve 'Partner with Us' onboarding flow for retailers and a dedicated corporate enquiry channel for institutional buyers. Arzooo's stated mission is to eliminate the structural barriers of scale, inventory depth, and working capital that constrain small retailers competing against organized e-commerce and large-format retail.

The company's core technology combines a B2B commerce mobile platform with an embedded supply-chain credit infrastructure. The Arzooo Credit division, launched December 2021, operates as an Anchor partner integrating more than a dozen NBFC and bank partners (including Rupifi, IIFL, Home Credit, Blacksoil, ePayLater, Arthan Finance, Trust Lenders, Muthoot, Western Capital, Dhanvarsha, Piramal, Arthashastra, and Fullerton via Finbox) to offer 14/15 day interest-free credit to retailer buyers. The credit-risk engine collects and processes financial SMS, device fingerprinting, location, installed-app metadata, and KYC documents to score creditworthiness and pre-approve customized loan offers. Additional platform capabilities include structured dispute and reverse-shipment verification workflows with proof-of-delivery and image/video-based validation, and an AI-assisted underwriting and fraud-detection layer delivered through a registered third-party SDK.

Arzooo generates revenue through four primary streams: (1) a 0.5% convenience fee (plus shipping and GST) on invoices paid via Arzooo Credit; (2) an interest-subvention spread, in which Arzooo bears lender interest during the 14/15 day interest-free window; (3) margins on B2B and B2B2C supply of electronics and appliances to retailers and end consumers; and (4) transaction fees on bulk corporate/institutional orders. The go-to-market motion is product-led through App Store and Google Play listings, complemented by enterprise field sales for the corporate channel and organic press coverage in Indian startup publications. Effective November 8, 2024, Arzooo became the brand name of Moksha Retails Global Private Limited as part of a corporate restructuring that expressly disclaims liability for pre-existing Arzooo obligations.

Name

Arzooo.com

Legal name

Moksha Retails Global Private Limited

Website

https://arzooo.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Arzooo is a Bengaluru-based B2B retail technology platform that supplies India's small and independent retailers with consumer electronics and appliances via a mobile app, powering 50,000+ stores with 20,000+ SKUs and embedded supply-chain credit through an Anchor-partner NBFC network.

Ownership category

akta.pro rank

Headquarters

HQ city

Bangalore

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Digital Commerce or Content

Cost components

Technology or R&D, Supply Chain, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Convenience Fee on Credit Transactions: Charges buyers/borrowers a convenience fee of 0.5% of invoice amount (prior to TCS, plus shipping and applicable GST) for opting to use the Arzooo Credit facility as the mode of payment.
2. Credit Interest Subvention Spread: Arzooo (as Anchor) bears the interest charged by lenders during the 14/15 day interest-free credit window, capturing economic spread on the supply-chain lending transaction.
3. B2B and B2B2C Electronics & Appliance Supply: Core commerce: supplies large appliances, small home appliances, mobile phones and IT products across India to retailers (B2B) and end consumers via retailer channel (B2B2C) through the proprietary Arzooo app.
4. Corporate/Institutional Buying Orders: Dedicated corporate enquiry channel ([email protected]) for institutional buyers placing bulk orders for electronics and electricals.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Arzooo is a B2B retail-technology platform that supplies large appliances, small home appliances, mobile phones and IT products to small retailers across India through a proprietary mobile app, offering a catalog of 20,000+ SKUs with embedded logistics and working-capital credit. The platform acts as an intermediary marketplace connecting sellers (consumer electronics brands) with retailer buyers, and also operates an add-on credit facility (Arzooo Credit) that orchestrates supply-chain lending from multiple NBFC and bank partners for buyers on the platform.

Product overview

Arzooo is a unified B2B (with B2B2C reach) commerce platform for consumer electronics and appliances in India, delivered primarily through the Arzooo mobile app (iOS and Android). The core platform connects small retailers to a catalog of 20,000+ products across large appliances, small home appliances, and electronics (mobile phones and IT products), serving 50,000+ stores with logistics and credit services. Arzooo Credit is an add-on/division on top of the core platform that facilitates supply-chain lending by integrating with multiple NBFC/bank partners and offers interest-free short-term credit to buyers, while the underlying Moksha Retails Global Private Limited corporate entity (brand name Arzooo since November 8, 2024) operates the platform across large appliances, small home appliances, and electronics categories.

Differentiator

Problem solved

Functional benefit

Brands

• Arzooo Credit: A division of the company established to facilitate the credit purchase on the Arzooo platform, mediating supply chain lending transactions between lenders (registered financial institutions, NBFCs, banks) and borrowers (buyers on the Arzooo platform).

Products and services

• Arzooo App Mobile-first B2B (with B2B2C reach) commerce platform available on the Apple App Store and Google Play Store, powers 50,000+ stores across India with a catalog of 20,000+ products spanning large appliances, small home appliances, mobile phones and IT products. It eliminates scale, inventory and capital barriers for retailers and includes KYC, ordering, dispute/return workflows and last-mile logistics.
• Arzooo Credit Embedded credit and supply-chain lending division of Moksha Retails Global Private Limited that mediates between registered NBFC/bank lenders (Rupifi, IIFL, Home Credit, Blacksoil, ePayLater, Arthan Finance, Trust Lenders and others via Finbox) and buyers on the Arzooo platform. Provides 14/15 day interest-free credit (interest subvented by Arzooo) with a 0.5% convenience fee on invoice amount, invoice discounting next working day, and structured late-fee/NACH recovery workflows.

Quantifiable outcome

• Powers 50,000+ retail stores across India
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability6 records

Feature5 records

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Udaan: India's largest B2B commerce platform operating across multiple categories including electronics and home appliances, connecting manufacturers, wholesalers and retailers with logistics and credit offerings. Directly comparable to Arzooo on B2B marketplace model, retailer credit and pan-India reach, though Udaan is broader in category coverage.
• Moglix: Singapore/India-headquartered B2B commerce platform focused on industrial and consumer products with embedded financing for SMB buyers. Comparable to Arzooo on B2B marketplace plus working-capital credit stack and Indian SMB retailer base.
• Flipkart Wholesale: Walmart-backed B2B arm of Flipkart serving kirana and small retailers in India with electronics, appliances and FMCG, plus Flipkart Pay Later credit. Closely comparable on B2B platform serving small Indian retailers in consumer electronics with embedded credit, and notable because Arzooo's founders are ex-Flipkart.
• ShopKirana: Indore-headquartered B2B e-commerce platform supplying grocery and staples to kirana retailers in India with working-capital financing. Comparable to Arzooo on tech-led B2B distribution and embedded retailer credit, though it focuses on FMCG/staples rather than electronics and durables.
• DealsDray: India-based B2B distribution and logistics platform for consumer durables, electronics and appliances serving retailers with supply chain and credit solutions. Directly comparable to Arzooo on consumer-durables B2B distribution with embedded retailer financing.

Broad incumbents

• Amazon Business India: Amazon's B2B procurement marketplace serving SMBs and enterprises across India with broad category coverage including electronics and appliances, plus credit and invoicing workflows. Comparable as a broad incumbent with overlapping electronics-and-appliance supply and B2B credit, but operates a much wider portfolio beyond Arzooo's consumer-durables focus.
• JioMart Business: Reliance Retail's omni-channel commerce platform serving SMB retailers and consumers in India across grocery, electronics, appliances and fashion, with embedded Kirana credit. Comparable as a broad incumbent targeting India's small retailers with assortment, credit and last-mile reach, but with substantially larger scale and category breadth than Arzooo.
• Tata CLiQ / Tata Neu Business: Tata Group's omni-channel commerce platform spanning electronics, appliances and lifestyle, with embedded credit via Tata Capital and NeuCoins. Comparable as a broad incumbent in Indian consumer-durables commerce with embedded credit and an enterprise consumer brand, but operates primarily B2C rather than B2B retailer distribution.

Emerging players

• Meesho (Wholesale / Supplier platform): India's social commerce platform expanding into B2B supplier services for SMB resellers with logistics and payment-credit offerings. Partially comparable to Arzooo on SMB retailer enablement and credit, though Meesho's core strength is consumer-side social commerce rather than electronics distribution.
• Bizom: India-based mobile sales-distribution and retail-execution platform serving CPG and FMCG brands with retailer onboarding, ordering and credit workflows. Comparable to Arzooo on tech-led SMB retailer enablement, distribution and embedded credit, but focused on CPG/FMCG rather than consumer electronics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/arzoooIN
• Facebookfacebook.com/arzoooIN
• LinkedInlinkedin.com/company/13211962
• Instagraminstagram.com/arzoooin

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds9 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Arzooo.com