Clix Capital

What Clix Capital does

Clix Capital Services Private Limited is an Indian non-banking financial company (NBFC), founded in 2016 and headquartered in New Delhi, that provides commercial lending and lease facilities primarily to underserved micro, small, and medium enterprises (MSMEs) across India. The company traces its origins to GE Money Financial Services Private Limited and operates a multi-product credit platform spanning unsecured business loans (Rs 5-50 lakhs, 12-48 month tenure, collateral-free with CIBIL 700+ and CMR 6+ minimums), working capital loans, loan against property, machinery loans, K-12 school financing, healthcare equipment finance, personal loans (up to Rs 10 lakhs, Experian score 630+), and housing finance through its wholly owned subsidiary Clix Housing Finance Limited.

The company's distribution combines a digital self-serve origination platform (clix.capital, with city-specific landing pages covering 18+ Indian cities) with inside-sales callbacks, co-lending partnerships with banks such as IDFC First and Axis Bank, and a physical branch network via the Clix Housing subsidiary. Its core technology stack is an AI/ML-based credit underwriting and decisioning platform, with a December 2024 deployment of an autonomous AI system that generates credit and probability-of-default reports for MSME applicants, replacing manual analyst workflow. Revenue is generated primarily through interest income across the lending portfolio, supplemented by co-lending spread and processing fees.

Clix Capital is backed by Apollo Global Management, AION Capital Partners, HarbourVest Partners, and individual investors Pramod Bhasin (Founder and Chairman) and Anil Chawla (Director). Reported scale metrics include AUM of over Rs 6,000 crore, total cumulative disbursements exceeding Rs 26,000 crore, gross NPA below 2%, and FY2026 sales of Rs 1,109.48 crore (10.41% growth year-over-year). However, FY2026 closed with a standalone net loss of Rs 282.87 crore despite positive Q1 standalone net profit of Rs 30.08 crore, indicating recent margin compression. The company employs 251-500 staff and operates across India with no disclosed international footprint.

Name

Clix Capital

Legal name

Clix Capital Services Private Limited

Website

https://clix.capital

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

251–500 employees

Short description

Clix Capital is an Indian NBFC founded in 2016 that provides collateral-free business loans (Rs 5-50 lakhs), K-12 school financing, healthcare equipment loans, and housing finance (via subsidiary Clix Housing) to underserved MSMEs across 18+ Indian cities, using AI/ML-driven underwriting and pan-India digital-plus-branch distribution.

Ownership category

akta.pro rank

Product category

Non-Banking Financial Services (MSME Lending)

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

akta.pro secondary industry

Leveraged Loans & CLOs (FSAAAHAF)

Keywords

• MSME business loans
• Loan against property
• School financing solutions
• Equipment finance lending
• Housing finance services

Headquarters

HQ city

Gurugram

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. MSME & Business Lending: Clix Capital earns interest income by providing unsecured and secured business loans, working capital loans, and loans against property to MSMEs and small business owners across India. Loans range from Rs 5 lakhs to Rs 50 lakhs with tenures of 12-48 months.
2. Education & School Financing (K-12 Loans): Revenue generated through school financing and K-12 loans offered to educational institutions and parents for tuition and infrastructure needs.
3. Healthcare & Medical Equipment Finance: Loans provided to healthcare providers for equipment finance, generating interest income through collateralized and unsecured medical equipment financing.
4. Housing Finance (via Clix Housing): Clix Housing Finance Limited (100% subsidiary) generates revenue from home loans, home renovation/expansion loans, and loan against property (balance transfer) offerings.
5. Personal Loans: Personal loans offered to salaried individuals for purposes including education, weddings, medical emergencies, and travel, with amounts up to Rs 10 lakhs.
6. Co-lending & Partnership Revenue: Revenue through co-lending arrangements with banking and financial institution partners, generating interest spread and processing income.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Clix Capital is an Indian NBFC that provides a diversified suite of lending products including unsecured business loans, loan against property, K-12 school financing, working capital loans, machinery and equipment finance, healthcare equipment finance, and personal/housing loans. The company uses AI/ML-driven underwriting and a 100% in-house digital loan origination platform to deliver credit decisions, with competitive interest rates starting at 14% per annum across its PAN India operations.

Product overview

Clix Capital is a pan-India NBFC (Non-Banking Financial Company) offering a comprehensive suite of lending products centered around unsecured business financing. The core product portfolio includes Business Loans (with variants for expansion, SMEs, and machinery), Loans Against Property, and School Financing/K-12 Loans. Additional offerings encompass Working Capital Loans, Healthcare Equipment Finance, and Government-linked schemes (ECLGS, MUDRA). The company also operates Clix Housing Finance for home loans and provides free Experian credit score checking. All business loans are collateral-free up to Rs. 50 lakhs with tenures up to 48 months, distributed across 16 major Indian cities. The company has invested in AI and ML technologies for automated underwriting decisioning and AI-generated credit report generation for MSME lending.

Differentiator

Problem solved

Functional benefit

Brands

• Clix Housing: Housing finance subsidiary offering home loans, home renovation/expansion loans, home loan balance transfer, and loan against property through Clix Housing Finance Limited.

Products and services

• Business Loan (Unsecured) Collateral-free unsecured business loan for MSMEs, SMEs, self-employed professionals, and business owners for working capital, business expansion, and machinery purchase. Loan amounts range from ₹50,000 to ₹25 lakh with interest rates starting at 14% per annum.
• School Financing / K-12 Loan Customized loan product for K-12 schools and educational institutions for infrastructure development, capacity expansion, working capital, and machinery/equipment purchase. Offered through co-lending partnership with CreditAccess Grameen for ticket sizes up to ₹5 crore.
• Healthcare Equipment Finance Financing for healthcare providers including hospitals, diagnostic centers, and clinics for purchase of medical and clinical equipment. Targeted to support the upgrade and expansion of healthcare infrastructure.
• Loan Against Property Secured loan for businesses and individuals against commercial or residential property, with loan amounts up to ₹5 crore at competitive interest rates. Suited for business expansion, working capital, and other large credit needs.
• Working Capital Loan Short-term loan for businesses to manage day-to-day operational expenses, inventory purchase, and cash flow requirements. Targeted at SMEs and MSMEs.
• Machinery Loan Loan for purchase of machinery and equipment for businesses across MSME and SME sectors, supporting operational capacity and business growth.
• ECLGS (Emergency Credit Line Guarantee Scheme) Government-backed emergency credit line guarantee scheme offering loans to MSMEs and businesses affected by COVID-19 disruption, with additional collateral-free funding.
• Government Business Loan Scheme (MUDRA, etc.) Loans under government schemes such as MUDRA designed for small businesses and entrepreneurs, supporting informal sector and micro enterprises.
• Clix Housing Loan (via Clix Housing Finance subsidiary) Housing loan offered by subsidiary Clix Housing Finance for purchase of flats, homes, plots, and construction/renovation, targeted at individual home buyers and salaried/self-employed borrowers.
• Credit Score Checking (CRED cliQ) Mobile app-based free credit score checking service for retail consumers, provided through the CRED cliQ platform, allowing individuals to check their credit score and report before applying for loans or credit cards.
• Business Expansion Loan Loan for entrepreneurs and SME owners looking to expand their existing business operations, supporting capacity addition, new product lines, and scaling initiatives.

Quantifiable outcome

• Assets Under Management (AUM) of over Rs 6,000 crore as of August 2024, with plans to expand to over Rs 10,000 crore
• +4 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature2 records

Partnerships

Two partnerships are on record, tiered core and important.

• ExperiancoreTechnology or IntegrationExperian is Clix Capital's credit score partner for personal loan assessments. Clix Capital leverages Experian's credit bureau data and scoring platform to evaluate personal loan applicants' creditworthiness. The company also accepts CIBIL scores for business loans (minimum 700) and Experian scores for personal loans (minimum 630).
• Clix Co-lending PartnersimportantChannel Partner/ Reseller/ DistributorBanking and financial institution partners engaged in co-lending arrangements with Clix Capital to distribute MSME, education, and healthcare loans. The company maintains a dedicated 'Clix Co-lending Partners' page on its website listing partner institutions.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Cholamandalam Investment and Finance: Cholamandalam is a large, established Indian NBFC with diversified SME, vehicle, and home finance businesses—broader than Clix but a key incumbent competitor in MSME and loan-against-property lending.
• Shriram Finance: Shriram Finance is a large Indian NBFC with strong SME and MSME exposure, including commercial vehicle and small business lending—competing with Clix in the underserved MSME and small business segment.
• Bajaj Finance: Bajaj Finance is India's largest diversified NBFC, with significant MSME, consumer, and commercial lending operations—an incumbent competitor across most of Clix Capital's product lines.

Direct peers

• Indifi Technologies: Indifi is an Indian digital lending platform that provides unsecured business loans to MSMEs using alternative data and partnerships—closely mirroring Clix's AI/ML-enabled MSME underwriting model.
• IIFL Samasta Finance: IIFL Samasta (part of IIFL Finance) is an Indian NBFC focused on MSME and microfinance lending with a similar geographic and customer segment overlap to Clix Capital's underserved MSME book.
• Aye Finance: Aye Finance is an Indian NBFC specializing in secured and unsecured small business loans to micro and small enterprises, sharing Clix's MSME focus and use of data-driven underwriting for thin-file borrowers.
• Lendingkart: Lendingkart is an Indian fintech NBFC focused on unsecured working capital and business loans to MSMEs via a digital, data-driven underwriting platform—the closest comparable to Clix Capital's core MSME lending business.
• Hero FinCorp: Hero FinCorp is an Indian NBFC offering MSME, two-wheeler, and personal loans with digital origination—a comparable mid-sized NBFC peer with overlapping small business and retail lending products.
• Flexiloans: Flexiloans is an Indian MSME-focused digital lending marketplace offering collateral-free business loans—competing head-on with Clix in unsecured MSME lending for small businesses across India.
• Home First Finance Company: Home First Finance is an Indian affordable housing finance company focused on salaried and self-employed customers—a direct comparable to Clix Housing Finance, the wholly-owned housing subsidiary of Clix Capital.

Market position

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/clixcapital
• Facebookfacebook.com/ClixCapital
• LinkedInin.linkedin.com/company/clix-capital
• Instagraminstagram.com/clixcapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds3 records

Investors4 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 Clix Capital