Credit Wise Capital
- Company typePrivate
- Founded2019
- HeadquartersMumbai, India
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
Credit Wise Capital firmographics
Firmographics- Name
- Credit Wise Capital
- Legal name
- Credit Wise Capital Private Limited
- Website
- https://creditwisecapital.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
Credit Wise Capital industry classification
Industry- Product category
- Consumer Vehicle Financing
- NAICS
- Sales Financing (522220), Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
Keywords
Where Credit Wise Capital is headquartered
LocationHeadquarters
- HQ city
- Mumbai
- HQ country
- India
- HQ region
- Asia
Offices2 records
Markets served
Credit Wise Capital business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Two-Wheeler Loan Interest Income: CWC earns interest income on loans originated and held on its balance sheet or co-lent with institutional partners. Primary products include two-wheeler loans (up to 100% of on-road price), EV two-wheeler loans, and personal loans (CWC Cash up to ₹50,000). Tenure ranges from 6–48 months at interest rates of 8–30% per annum.
- Insurance Distribution (CWC Alliance): CWC distributes third-party insurance products including motor, health, life insurance, and loan protector through its platform, earning commission on each policy sold. The Bimaplan partnership covers two-wheeler loan borrowers.
- Co-Lending and Loan Syndications: CWC co-lends with partners such as Muthoot Capital (₹400 crore co-lending partnership) and other institutional lenders, earning origination fees and sharing interest income on co-lent portfolios.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Two Wheeler Loan: 100% financing, 2-min approval, tenure 6–36 months, ROI 8–30% |
| Unit Pricing | Monthly | EV Two Wheeler Loan: financing for electric two-wheelers, same terms as standard two-wheeler loan |
| Unit Pricing | Monthly | CWC Cash Personal Loan: up to ₹50,000, instant transfer, minimal documentation |
| Subscription | Monthly | CWC Care Health Insurance: No Cost EMI option for health insurance coverage |
| Transaction based/ take rate | Monthly | CWC Alliance Insurance Products: Motor, Health, Life Insurance, Loan Protector, Credit Card — sold as add-on financial products |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Credit Wise Capital product offering
Product offeringCore offering
Credit Wise Capital is an RBI-registered digital NBFC that originates and services two-wheeler loans, EV two-wheeler loans, small-ticket personal loans (CWC Cash up to ₹50,000), and health insurance financing (CWC Care), with up to 100% on-road price funding at 8–30% per annum over 6–48 month tenures. Loans are originated through a 1,200+ dealer network across Tier 2–4 Indian cities and via an app-less WhatsApp-based Twin2 journey delivering 2-minute approvals and 20-minute disbursements, supplemented by a white-label B2B SaaS/BaaS lending technology platform (CWC Tech) and insurance distribution (CWC Alliance).
Product overview
Credit Wise Capital (CWC) operates a dual business model combining a consumer NBFC lending platform with a B2B fintech technology platform. The consumer offering spans CWC Lending (two-wheeler loans, EV two-wheeler loans, personal loans via CWC Cash, and health insurance via CWC Care), CWC Alliance (motor, health, life insurance, loan protector, and credit cards as cross-sell add-ons), and CWC Other Services (bike servicing and roadside assistance). Separately, CWC Tech offers a modular BaaS/SaaS platform comprising Digital Lending, Digital Underwriting, Digital Collections, Twin2 (WhatsApp chatbot), AI IVR Bot, and Customer Service App — sold as white-label products to partner financial institutions, dealerships, and lenders. The company was incorporated in early 2019, is headquartered in Mumbai, and operates across 20+ locations in 5+ states across India, serving Tier 2–4 cities.
Differentiator
Problem solved
Functional benefit
Brands
- CWC Lending: Core lending products including two-wheeler loans, EV two-wheeler loans, CWC Cash personal loans, and CWC Care health insurance loans.
- CWC Alliance
- CWC Tech
- CWC Other Services
- Twin2
- CWC Cash
- CWC Care
Products and services
- Two Wheeler Loan Core two-wheeler financing product offering up to 100% on-road price funding, 2-minute approval, tenures up to 36 months, and EMI-based repayment, targeting individual consumers purchasing two-wheelers through CWC's 1,200+ dealer network in Tier 2–4 Indian cities.
- EV Two Wheeler Loan Financing for electric two-wheelers offering affordable EV purchase loans with same terms as standard two-wheeler loans, supporting India's EV transition and serving consumers in Tier 2–4 cities seeking lower total cost of ownership.
- CWC Cash (Personal Loan) Instant personal loan product offering up to ₹50,000 with minimal documentation, fast approval, and instant digital transfer to the borrower's bank account, positioned for working individuals facing medical or other financial emergencies.
- CWC Care (Loan for Health Insurance) Health insurance financing product that lets customers cover their family and themselves with health insurance paid through a NO COST EMI monthly premium option, combining lending with insurance affordability.
- Twin2 (WhatsApp Loan Journey) India's first app-less two-wheeler loan journey delivered through WhatsApp, enabling login, loan application, 2-minute approval, and 20-minute disbursement without requiring customers to download an app. Twin2 is offered both as a CWC consumer-facing capability and as a white-label B2B product under CWC Tech.
- Motor Insurance (CWC Alliance) Third-party motor insurance products distributed through CWC Alliance in partnership with insurers, sold to existing two-wheeler loan customers at point of sale.
- Health Insurance (CWC Alliance) Third-party health insurance products distributed through CWC Alliance in partnership with insurers, offered to existing loan customers and broader consumer base.
- Life Insurance (CWC Alliance) Term life insurance products distributed through CWC Alliance in partnership with third-party insurers as an add-on protection product.
- Loan Protector (CWC Alliance) Loan protection insurance products distributed through CWC Alliance as an add-on to existing two-wheeler and personal loan customers.
- Credit Card (CWC Alliance) Credit card products distributed through CWC Alliance in partnership with issuer banks as cross-sell add-ons to existing loan customers.
- Digital Lending (CWC Tech) B2B SaaS platform that enables financial institutions, NBFCs, and dealer networks to digitize their loan origination, approval, and disbursement workflows, offered as a white-label or API-integrated solution under CWC Tech.
- Digital Underwriting (CWC Tech) B2B SaaS platform providing automated credit risk assessment, scoring, and loan decisioning for partner financial institutions, leveraging CWC's proprietary underwriting models built on two-wheeler lending data and Account Aggregator integration.
- Digital Collections (CWC Tech) B2B SaaS platform for automating debt collection and recovery workflows, offering partner financial institutions a digital-first collections system integrated with their loan management platforms.
- AI IVR Bot (CWC Tech) AI-powered interactive voice response system offered as a B2B product under CWC Tech, enabling automated customer service calls, speech-based query handling, call routing, and responses without human operators.
- Customer Service App (CWC Tech) White-label B2B customer service mobile application offered under CWC Tech for partner financial institutions to manage post-loan customer support, inquiries, EMI tracking, and relationship management.
- CWC Bike Servicing Doorstep two-wheeler servicing service providing efficient mechanic servicing with pickup and delivery of the customer's vehicle, designed for existing CWC loan customers to increase retention.
- Road Side Assistance Emergency road assistance service for CWC's two-wheeler loan customers, providing swift help during breakdowns or on-road emergencies.
Quantifiable outcome
- 2-minute loan approval and 20-minute disbursement through Twin2 WhatsApp bot
- +5 more outcomes
Companies that use Credit Wise Capital
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles2 records
Credit Wise Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability4 records
Feature7 records
Credit Wise Capital partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered supporting.
- BimaplansupportingBimaplan, an affordable insurance platform, partnered with CWC to provide bundled insurance on two-wheeler loans. The collaboration brings lending and insurance under one umbrella, with Bimaplan targeting insurance penetration among traditionally underserved communities. Bimaplan aimed to serve at least 50,000 of CWC's customers by 2023.
- FinSec AA Solutions Private Limited (One Money)supportingFinSec AA Solutions (One Money) is an RBI-regulated Account Aggregator enabling CWC to access and share customer financial data from multiple financial institutions with customer consent, supporting digital underwriting and loan monitoring processes.
- Muthoot (lending partner)supportingMuthoot appears in CWC's lending partners section alongside 25+ financial institutions including SBI, HDFC, AU Small Finance Bank, Tata Capital, Suryoday Bank, ESAF Small Finance Bank, and others who co-lend or provide funding for CWC-originated two-wheeler loans.
- Catalyst Trusteeship LimitedsupportingCatalyst Trusteeship Limited serves as CWC's Debenture Trustee, overseeing the company's listed debentures and bond obligations. Address: 901, 9th Floor, Tower-B, Peninsula Business Park, Senapati Bapat Marg, Lower Parel (W), Mumbai – 400013.
Scale indicators7 records
Recent moves5 records
Expansion highlights6 records
Credit Wise Capital competitors and assessment
Company assessmentDirect peers
- Muthoot Capital: Indian NBFC focused on two-wheeler and used-car financing. Muthoot Capital is CWC's largest disclosed co-lending partner (₹400 crore arrangement) and competes directly for dealer-originated two-wheeler loan share in India.
- TVS Credit: Captive finance arm of TVS Motor Company, providing two-wheeler, tractor and MSME loans through TVS dealer networks. Directly comparable to CWC on product (two-wheeler financing) and channel (OEM/dealer origination), with the added advantage of TVS OEM backing.
- Hero FinCorp: Captive financing arm of Hero MotoCorp, offering two-wheeler loans, MSME loans, and housing finance. Operates a dealer-anchored two-wheeler finance model across India, directly comparable to CWC's dealer-anchored origination strategy.
- OTO Capital: Indian two-wheeler financing fintech offering used two-wheeler loans and lease products via a digital-first model. Closely comparable niche (two-wheeler focus, digital underwriting) and a previous employer of CWC's Head of Product.
- Shriram Finance: Large Indian NBFC with a substantial two-wheeler and used-vehicle finance book serving small-ticket borrowers. Comparable target segment (informal/semi-formal borrowers) and similar secured consumer credit product mix.
- Capri Global: Indian NBFC with a dedicated two-wheeler and MSME loan vertical. Mentioned in CWC's management background (former employer of Head of Business) and operates in directly overlapping Tier 2–4 markets.
Broad incumbents
- Cholamandalam Investment and Finance: Large Indian NBFC (Murugappa Group) with a major vehicle finance book covering two-wheelers, used cars, and commercial vehicles. Operates a comparable dealer-sourced two-wheeler finance business at materially greater scale.
- Bajaj Finance: India's largest consumer NBFC with broad vehicle, consumer electronics, and personal loan offerings, including two-wheeler financing via Bajaj Auto dealer networks. Provides the upper-bound scale benchmark CWC must compete against.
- HDB Financial Services: Diversified non-bank lending arm of HDFC Bank offering two-wheeler, personal, and business loans through extensive branch and dealer networks. Directly comparable in two-wheeler segment and a CWC co-lending partner.
Regional players
- AU Small Finance Bank: Indian small finance bank with a strong vehicle finance book including two-wheeler loans across semi-urban and rural India. A CWC co-lending partner with comparable target customer profile.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Credit Wise Capital social profiles
Digital presenceCredit Wise Capital compliance and trust
Trust signalCompliance1 record
Credit Wise Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Credit Wise Capital leadership team
Management profileNumber of profiles
Profiles11 records
Credit Wise Capital funding detail
Funding detailFunding overview
Funding rounds5 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Credit Wise Capital M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Credit Wise Capital
What does Credit Wise Capital do?
Credit Wise Capital is an RBI-registered digital NBFC that originates and services two-wheeler loans, EV two-wheeler loans, small-ticket personal loans (CWC Cash up to ₹50,000), and health insurance financing (CWC Care), with up to 100% on-road price funding at 8–30% per annum over 6–48 month tenures. Loans are originated through a 1,200+ dealer network across Tier 2–4 Indian cities and via an app-less WhatsApp-based Twin2 journey delivering 2-minute approvals and 20-minute disbursements, supplemented by a white-label B2B SaaS/BaaS lending technology platform (CWC Tech) and insurance distribution (CWC Alliance).
Is Credit Wise Capital a public or private company?
Credit Wise Capital is a private company. It is classified as venture growth investor backed and is currently operating.
When was Credit Wise Capital founded?
Credit Wise Capital was founded in 2019. It employs 251 to 500 people.
Where is Credit Wise Capital based?
Credit Wise Capital is headquartered in Mumbai, India, in the Asia region.
How does Credit Wise Capital make money?
Three revenue lines are on record. Two-Wheeler Loan Interest Income is the primary driver. The others are insurance Distribution (CWC Alliance) and co-Lending and Loan Syndications.
Who are Credit Wise Capital's main competitors?
Direct peers on record are Muthoot Capital, TVS Credit, Hero FinCorp, OTO Capital, Shriram Finance and Capri Global. Broad incumbents are Cholamandalam Investment and Finance, Bajaj Finance and HDB Financial Services. AU Small Finance Bank is listed as a regional player.
Does Credit Wise Capital have an API?
No public API is recorded for Credit Wise Capital.
What industry is Credit Wise Capital in?
Credit Wise Capital's product category is Consumer Vehicle Financing. Its primary akta.pro industry code is FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment). Its NAICS code is 522220 and its SIC code is 6141.