Volt Money
Volt Money is a Bangalore-based digital lending platform founded in 2022 that offers Indian retail investors instant secured loans against mutual fund portfolios, distributed via mobile app, a 2,000+ MFD partner network, and a BharatPe merchant integration.
- Company typePrivate
- Founded2022
- HeadquartersBangalore, India
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Volt Money does
Volt Money, operated by Salter Technologies Private Limited (CIN: U72200KA2022PTC158631), is a Bangalore-headquartered digital lending platform founded in 2022 that provides instant secured loans against Indian retail investors' mutual fund portfolios. The platform allows borrowers to open a credit line by digitally pledging their mutual fund holdings as collateral, then draw funds and repay on a usage basis; stated benchmarks include a 15-second eligibility check, end-to-end mobile completion in five minutes, disbursal in approximately four hours, interest rates from 9.99% per annum, and lines up to Rs. 1 crore. Volt Money does not lend on its own balance sheet — it originates and services loans sourced from partner banks and NBFCs.
The product stack is anchored on integrations with India's mutual fund and identity infrastructure: CAMS and KFintech for portfolio data, NSDL for depository access, CERSAI for lien marking, and Digilocker for paperless KYC. Distribution is multi-channel: a self-serve iOS/Android mobile app, a 2,000+ partner network of registered mutual fund distributors and advisors (positioned as an AUM-retention tool), and a platform-level integration with BharatPe that exposes the LAMF product to BharatPe's 1.3 crore+ merchant partners. Bajaj Finserv is named as a core lending partner.
Volt Money is privately held, has between 11 and 50 employees, and has disclosed only a $1.5 million pre-seed funding round (June 2023) co-led by Titan Capital and All In Capital. Revenue is not publicly disclosed; stated streams are usage-based interest on disbursed loans and partner/referral fees. The company reports coverage across 80+ cities in India with no current international footprint.
Volt Money firmographics
Firmographics- Name
- Volt Money
- Legal name
- Salter Technologies Private Limited
- Website
- https://voltmoney.in
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Volt Money is a Bangalore-based digital lending platform founded in 2022 that offers Indian retail investors instant secured loans against mutual fund portfolios, distributed via mobile app, a 2,000+ MFD partner network, and a BharatPe merchant integration.
- Ownership category
- akta.pro rank
Where Volt Money is headquartered
LocationHeadquarters
- HQ city
- Bangalore
- HQ country
- India
- HQ region
- Asia
Markets served
Volt Money business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations
Revenue model
- Interest on Loans Against Mutual Funds: Volt Money facilitates loans against mutual fund portfolios from partnered banks and NBFCs, earning revenue through interest charged on the disbursed loans. Interest rates start at 9.99% per annum.
- Partner/Referral Fees: Revenue generated through partnerships with mutual fund distributors and advisors, as well as referral partnerships with platforms like BharatPe.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | Usage-based interest on drawn amount |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
Volt Money product offering
Product offeringCore offering
Volt Money is a digital lending platform that provides instant secured loans against investors' mutual fund holdings. Individual borrowers can check eligibility in 15 seconds, digitally pledge their mutual funds as collateral, complete paperless KYC, and receive disbursal in as little as 4 hours, with credit lines up to Rs. 1 crore and interest rates starting at 9.99% per annum sourced from partner banks and NBFCs.
Product overview
Volt Money is a single-platform fintech offering instant secured loans against mutual fund investments. The core product is the Volt Money Instant Loan Against Mutual Funds platform, which provides a digital credit line where users pledge mutual fund holdings as collateral. The platform is accessible via web and mobile app (iOS/Android), with a partner program for mutual fund distributors and advisors. Users can check eligibility in 15 seconds, complete paperless KYC via DigiLocker, and receive disbursal in as little as 4 hours. Interest rates start at 9.99% per annum with flexible withdrawal and repayment options.
Differentiator
Problem solved
Functional benefit
Products and services
- Volt Money Instant Loan Against Mutual Funds Digital lending product enabling retail investors in India to obtain instant secured loans against their mutual fund holdings. Users open a credit line by pledging MF units as collateral, with credit limits up to Rs. 1 crore, interest rates starting at 9.99% per annum, and disbursal in approximately 4 hours through partnered banks and NBFCs.
- Volt Money Mobile App iOS and Android mobile application for Volt Money's loan-against-mutual-funds product, allowing users to check eligibility in 15 seconds, pledge mutual funds, complete digital KYC, withdraw funds, and manage monthly interest-only repayments end-to-end from a mobile device.
- Volt Money Partner Program Channel partner program enabling mutual fund distributors and financial advisors to offer Volt Money's loan-against-mutual-funds products to their existing client base, with the goal of preventing client redemptions, retaining AUM, and meeting clients' short-term cash needs. Program claims a network of over 2,000 partners.
- Loans Against Mutual Funds on BharatPe Distribution-enabled variant of Volt Money's loan-against-mutual-funds product made available to merchants on the BharatPe platform, leveraging BharatPe's merchant base and Volt Money's lending and servicing infrastructure to deliver secured credit lines against MF holdings.
Quantifiable outcome
- Disbursal time reduced to 4 hours for loan against mutual funds
- +2 more outcomes
Companies that use Volt Money
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Volt Money technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability2 records
Feature4 records
Volt Money partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- BharatPecoreBharatPe announced partnership with Volt Money to launch Loans Against Mutual Funds (up to Rs. 1 crore) for its 1.3 crore+ merchant partners. BharatPe enables these products on its platform while Volt Money manages loan disbursal and collections.
- Bajaj Finserv LimitedcoreVolt Money is collaborating with Bajaj Finserv Limited for launching services. Bajaj Finserv serves as a lending partner providing the loan products offered through Volt Money's platform.
- CAMS (Computer Age Management Services)coreCAMS is listed as a partner on Volt Money's website, providing mutual fund registry and transfer agency services critical for loan verification and lien marking.
- KFintechcoreKFintech is listed as a partner providing mutual fund registry services for Volt Money's loan verification and portfolio assessment.
- NSDL (National Securities Depository Limited)coreNSDL is listed as a partner providing securities depository services for lien marking and verification of mutual fund holdings.
- CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest)coreCERSAI integration enables registration of security interests for lien marking of mutual fund assets as collateral.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Volt Money competitors and assessment
Company assessmentDirect peers
- m.Stock by Mirae Asset: Direct competitor offering loans against mutual funds and trading services within the Mirae Asset ecosystem. Comparable because it targets the same retail MF investor base with secured lending against fund holdings and similar digital KYC and disbursal flows.
- Liquiloans: Digital lending platform specializing in loans against mutual funds and listed securities in India. Most direct functional competitor to Volt Money — same collateral type (MFs/securities), same digital-first distribution, same retail MF investor customer segment.
- INDmoney: Wealth management and lending super-app targeting Indian retail investors, including loans against mutual funds and other financial assets. Comparable because it serves the same MF-investor persona with both wealth tracking and secured lending against MF holdings.
- Flexiloans: Indian digital lending marketplace offering personal and small-business loans, including loans against financial assets. Comparable as a tech-led lending marketplace targeting similar SMB and retail customers with partner-NBFC capital, similar capital-light model to Volt Money.
- IndiaLends: Digital lending marketplace partnering with banks and NBFCs to offer personal and asset-backed loans to Indian consumers. Comparable because of similar partner-lender marketplace model, digital distribution, and retail customer base overlapping with Volt Money's.
Broad incumbents
- Groww: One of India's largest retail brokerages and mutual fund distribution platforms. Comparable as a broad incumbent with a large existing MF investor base that could easily integrate LAMF as a feature, posing a competitive threat to Volt Money's target customers.
- Zerodha: India's largest retail stockbroker with a significant mutual fund platform (Coin). Comparable as a broad incumbent with deep retail investor relationships that could launch in-house LAMF, materially threatening Volt Money's standalone position.
- Bajaj Finserv: Large Indian NBFC and Volt Money's core lending partner, also offering loans against mutual funds directly through its own distribution. Comparable because it is both a partner and a potential competitor — its scale and balance sheet mean it could disintermediate Volt Money at any time.
- Upstox: Major Indian retail brokerage with growing mutual fund and lending offerings. Comparable as a broad incumbent serving the same retail investor persona; could integrate LAMF features that directly compete with Volt Money.
Emerging players
- Rupeek: Indian fintech offering digital loans against physical gold, adjacent asset-backed lending category. Comparable as an emerging player using digital rails to lend against financial/physical assets via partner lenders — same underlying business model shape, different collateral type.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Volt Money social profiles
Digital presenceVolt Money financial estimates
Financial estimateRevenue estimate
Valuation estimate
Volt Money leadership team
Management profileNumber of profiles
Volt Money funding detail
Funding detailFunding overview
Funding rounds1 record
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Volt Money M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Volt Money
What does Volt Money do?
Volt Money is a digital lending platform that provides instant secured loans against investors' mutual fund holdings. Individual borrowers can check eligibility in 15 seconds, digitally pledge their mutual funds as collateral, complete paperless KYC, and receive disbursal in as little as 4 hours, with credit lines up to Rs. 1 crore and interest rates starting at 9.99% per annum sourced from partner banks and NBFCs.
Is Volt Money a public or private company?
Volt Money is a private company. It is classified as venture growth investor backed and is currently operating.
When was Volt Money founded?
Volt Money was founded in 2022. It employs 101 to 250 people.
Where is Volt Money based?
Volt Money is headquartered in Bangalore, India, in the Asia region.
How does Volt Money make money?
Two revenue lines are on record. Interest on Loans Against Mutual Funds are the primary driver. The others are partner/Referral Fees.
Who are Volt Money's main competitors?
Direct peers on record are m.Stock by Mirae Asset, Liquiloans, INDmoney, Flexiloans and IndiaLends. Broad incumbents are Groww, Zerodha, Bajaj Finserv and Upstox. Rupeek is listed as an emerging player.
Does Volt Money have an API?
No public API is recorded for Volt Money.