50Fin

What 50Fin does

50Fin (legally Fifty Fintech Private Limited) is a Bengaluru-headquartered digital lending infrastructure company founded in 2022 that specializes in Loan Against Securities (LAS) products. The company operates a dual-sided business combining a consumer-facing mobile app — the 50Fin LAS App — which provides retail investors instant loans against mutual fund portfolios and equity shares, with a B2B technology suite comprising a Loan Origination System (LOS), Collateral Management System (CMS), and Risk Management System (RMS). The platform integrates in real time with Indian Registrars and Transfer Agents (CAMS, KFintech, MFCentral) and the NSDL depository to enable digital pledging, live portfolio valuation, and automated risk monitoring. 50Fin also offers a white-label Embedded LAS Solution and plug-and-play APIs for banks, NBFCs, wealth platforms, and fintech aggregators to embed secured-lending functionality into their own channels.

The reported operational footprint includes ₹8,000 crore+ in client AUM processed, 1M+ consumer app downloads, 10+ lending partners (including Bajaj Finance, Jio Financial Services, IIFL Finance, TATA Capital, Federal Bank, Piramal Finance, HSBC Invest Direct, RBL Bank, DMI Finance, Infina Finance, Anand Rathi), and 15+ embedding partners across wealth, broking, and consumer-fintech (Fi Money, Paisabazaar, Fibe, Bajaj Capital, Economic Times, and others). Platform performance claims include 7-minute loan approvals, 10-minute disbursement for the JFS product, and up to 80% reduction in lender operational costs. The company is led by co-founders, holds ISO 27001, ISO 27701, and SOC 2 Type 2 compliance, and is registered in Karnataka, India.

50Fin earns revenue through a combination of transaction-based processing fees (starting at ₹999 + GST per loan, plus collateral-management and penal charges), SaaS-style technology licensing to lenders as a Technology Service Provider, and facilitation of interest-spread economics on loans originated through its platform. As of mid-2025 the company has raised approximately $2.1M across three disclosed rounds — a ₹4.25 crore (~$525K) pre-seed in July 2023 co-led by 100X.VC, Keynote Capital, and Arun Venkatachalam; a $550K seed in May 2024 led by Arali Ventures and Nitin Gupta (Uni Cards); and a $567K round in September 2025 — with capital allocated to product expansion, new vertical launches, and enterprise partner acquisition.

Name

50Fin

Legal name

Fifty Fintech Private Limited

Website

https://50fin.in

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

50Fin is a Bengaluru-based digital lending infrastructure company offering instant loans against mutual funds and shares via a consumer app, plus a B2B technology suite (LOS, CMS, RMS) and embedded LAS APIs for banks, NBFCs, and fintech partners.

Ownership category

akta.pro rank

Product category

Loan Against Securities (LAS) Technology Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163)

akta.pro primary industry

Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)

akta.pro secondary industries

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE), Credit & Overdraft Enablement (Credit Lines, Underwriting Integrations) (FSAGAAAJ)

Keywords

• Loan against securities
• Digital lending infrastructure
• Embedded lending platform
• Collateral management software
• Loan origination system

Headquarters

HQ city

Bangalore

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Interest Spread / Loan Facilitation: 50Fin facilitates loans between borrowers and lending partners (NBFCs/banks). Revenue appears to come from interest spread facilitation and/or processing fees charged on loans originated through the platform.
2. SaaS/Technology Licensing: Provides LOS, CMS, and RMS technology solutions to banks and NBFCs as a Technology Service Provider (TSP), enabling them to offer LAS products through white-label or embedded integrations.
3. Processing Fees: Charges processing fees starting at ₹999 + GST for loan processing. Additional charges include pledge confirmation, pledge invocation, demat share transfer, pledging, and un-pledging fees.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels8 records

Core offering

50Fin provides a digital-first Loan Against Securities (LAS) technology stack. For lenders (banks, NBFCs, fintechs) it offers an integrated Loan Origination System (LOS), Collateral Management System (CMS), and Risk Management System (RMS), plus a plug-and-play Embedded LAS API/white-label solution. For retail investors, it operates a mobile app enabling instant digital loans against mutual fund portfolios and shares in approximately 7 minutes, with primary loan funding sourced from lending partner Bajaj Finance.

Product overview

50Fin is a digital-first secured lending platform offering Loans Against Securities (LAS) through a modular product architecture. The platform consists of a consumer-facing 50Fin LAS App for retail investors to obtain instant loans against mutual funds and shares, combined with a B2B suite of three enterprise systems: the Loan Origination System (LOS) for loan processing, Collateral Management System (CMS) for portfolio tracking and pledging, and Risk Management System (RMS) for real-time risk monitoring. These four products form an integrated technology stack that enables end-to-end secured lending. Additionally, the Embedded LAS Solution provides API and white-label integration capabilities for partners to embed LAS functionality into their own platforms. The company targets both individual investors seeking liquidity without selling investments and institutional lenders (banks, NBFCs, fintechs) looking to launch or enhance secured loan products.

Differentiator

Problem solved

Functional benefit

Products and services

• 50Fin LAS App Mobile application for retail investors to access instant digital loans against mutual fund and share portfolios. Offers 7-minute loan approval, digital KYC, overdraft facility, and disbursement without selling investments, with loan funding sourced from lending partner Bajaj Finance.
• Loan Origination System (LOS) Loan processing platform for lenders with fast seamless onboarding, multi-channel access, a custom Business Rule Engine (BRE), and automated communication modules for efficient loan origination against securities.
• Collateral Management System (CMS) Platform for lenders to manage pledged securities with digital unpledging capabilities, real-time portfolio tracking, advanced risk assessment tools, and deep analytics for monitoring collateral positions.
• Risk Management System (RMS) Real-time risk monitoring solution for lenders featuring Risk Masters, collateral revaluation and shortfall management, custom configuration options, and automated reconciliation for proactive risk mitigation on LAS portfolios.
• Embedded LAS Solution White-label and API-based integration solution allowing lenders, fintechs, wealth platforms, and aggregators to embed Loan Against Securities functionality with multi-lender flow access and quick go-to-market deployment.
• Loan Against Mutual Funds Secured loan product allowing investors to borrow money by pledging mutual fund investments as collateral, providing access to funds without redeeming mutual fund units while continuing to earn returns.
• Loan Against Shares Secured loan product enabling investors to secure loans using shares or stocks as collateral while maintaining ownership and accessing funds based on portfolio value.

Quantifiable outcome

• 80% reduction in operational costs for lenders
• +5 more outcomes

Named customers14 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability4 records

Feature7 records

Partnerships

Seven partnerships are on record, tiered core.

• Fi MoneycoreStrategic or Co-development Partner · 6 May 2024Strategic partnership for digitizing NBFCs. Fi Money uses 50Fin's technology to offer LAS products to their customers.
• Bajaj CapitalcoreChannel Partner/ Reseller/ Distributor · 6 May 2024Strategic partnership with Bajaj Capital for providing LAS solutions through their distribution network.
• Bajaj Finance LimitedcoreChannel Partner/ Reseller/ DistributorPrimary lending partner of 50Fin. Bajaj Finance provides the actual loan funds for the LAS product. Mutual fund and stock pledging is done in favor of Bajaj Finance.
• CAMS (Computer Age Management Services)coreTechnology or IntegrationTechnology integration with CAMS for digital pledging of mutual fund units. CAMS is one of India's leading RTAs (Registrar and Transfer Agents) facilitating mutual fund operations.
• KFintechcoreTechnology or IntegrationTechnology integration for digital pledging of mutual fund units. KFintech is a leading RTA (Registrar and Transfer Agent) in India.
• MFCentralcoreTechnology or IntegrationTechnology integration for mutual fund data and operations. MFCentral is a platform for mutual fund investor services.
• NSDL (National Securities Depositories Limited)coreTechnology or IntegrationTechnology integration for securities data and operations. NSDL provides depository services for equity shares.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• LoanTap Financial Technologies: LoanTap offers digital personal and business loan products through its own NBFC and partner lender network — comparable in digital lending focus and embedded distribution model, though primarily on the origination/credit side rather than LAS infrastructure.
• Velocity (velocity.in): Velocity offers revenue-based financing and embedded finance infrastructure for Indian SMEs and fintechs — comparable as an India-focused B2B embedded lending infrastructure player, though focused on working capital rather than securities-backed credit.
• Liquiloans: Liquiloans operates a P2P lending platform allowing lenders to fund secured loans against securities and other assets — overlapping use case (LAS) and similar intermediary role between retail lenders and borrowers, though distributed via P2P rather than institutional lenders.

Broad incumbents

• Yubi (formerly CredAvenue): Yubi operates a broad debt and credit infrastructure platform connecting corporates, lenders, and investors across multiple products — a much larger and well-capitalized incumbent in the Indian lending infrastructure space where 50Fin competes for B2B TSP mind-share.
• Indifi Technologies: Indifi provides an embedded lending platform for small business credit using data-driven underwriting and lender partnerships — a comparable B2B lending-infrastructure play in India, with broader SMB lending focus versus 50Fin's LAS specialization.
• Bajaj Finance: Bajaj Finance is India's largest consumer NBFC and 50Fin's primary lending partner for LAS products — a dominant incumbent that simultaneously serves as customer, potential competitor, and key distribution counterparty for 50Fin's D2C franchise.

Regional players

• OTO Capital: OTO Capital provides two-wheeler and consumer durable financing through dealer/NBFC partnerships — adjacent in digital lending infrastructure for India but focused on asset-backed consumer credit, not LAS, making it a thematically comparable but non-overlapping peer.

Direct peers

• FinBox: FinBox provides digital lending infrastructure via APIs for banks, NBFCs, and fintechs in India, offering loan origination, risk decisioning, and collections modules — closely overlapping with 50Fin's B2B LOS/RMS capabilities, though more focused on unsecured/consumer credit than securities-backed lending.
• Vayana Network: Vayana provides a financing network connecting businesses, lenders, and technology partners via APIs for supply chain and trade finance — comparable to 50Fin as a B2B lending-infrastructure layer linking borrowers to multiple lenders through embedded integrations.
• KredX: KredX is an invoice financing and working capital platform that brings together businesses and lenders/investors through digital workflows — analogous to 50Fin's role of intermediating borrowers and lenders, with overlapping B2B infrastructure and embedded distribution play.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/50fintech
• YouTubeyoutube.com/@50fin
• Facebookfacebook.com/50fin
• LinkedInin.linkedin.com/company/50fin
• Instagraminstagram.com/50fin

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds3 records

Investors5 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 50Fin