Wishfin.com
Wishfin.com operates an Indian financial marketplace aggregating personal loans, home loans, credit cards, and investment products from 40+ banks and NBFCs. It serves over 40 million retail consumers through free CIBIL score checks, comparison tools, and digital applications.
- Company typePrivate
- Founded2016
- HeadquartersNoida, India
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Wishfin.com does
Wishfin.com is an Indian fintech operating a neutral, customer-facing financial marketplace that aggregates credit, deposit, and investment products from 40+ partner banks and NBFCs. Founded in 2016 and headquartered in Noida, the company is operated by Mywish Marketplaces Pvt. Ltd. (MMPL) and serves over 40 million cumulative customers across personal loans, home loans, business loans, car loans, credit cards, fixed deposits, savings accounts, mutual funds, and digital gold. Its core products are personal loans, home loans, credit cards, business loans, and a free CIBIL score-check service; it also retains the wholly-owned Deal4Loans sub-brand, which together with Wishfin positions the combined entity as the largest credit-cards, personal-loans, and mortgage marketplace in India.
The platform is built on a proprietary comparison engine, digitized lending integrations with partner banks, EMI calculation tools, and a credit-monitoring infrastructure powered by its exclusive partnership with TransUnion CIBIL — making Wishfin India's first official fintech partner of the bureau. Distribution is digital-first through wishfin.com, Android and iOS apps, and WhatsApp, with a content-led SEO engine (977+ blog pages) capturing organic demand for loan, credit-card, and credit-score queries. The freemium CIBIL score check is the primary top-of-funnel acquisition tool, converting into lead generation across structured loan and credit-card segments.
Wishfin earns revenue primarily through lead-generation and referral fees from partner banks and NBFCs for successful loan disbursals and credit-card activations, supplemented by advertising revenue on the platform. End-users are not charged for comparison, EMI calculation, or CIBIL score checking. The company employs 251-500 staff and reports over INR 25,000 Crore in cumulative credit disbursed through its platform, with named bank partners including HDFC, Tata Capital, SBI, ICICI, Axis Bank, Standard Chartered, IndusInd, and Yes Bank.
Wishfin.com firmographics
Firmographics- Name
- Wishfin.com
- Legal name
- Mywish Marketplaces Pvt. Ltd
- Website
- https://wishfin.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Wishfin.com operates an Indian financial marketplace aggregating personal loans, home loans, credit cards, and investment products from 40+ banks and NBFCs. It serves over 40 million retail consumers through free CIBIL score checks, comparison tools, and digital applications.
- Ownership category
- akta.pro rank
Wishfin.com industry classification
Industry- Product category
- Consumer Financial Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Loan Origination Platforms (LOS) & Digital Application Journeys (FSAGAHAA)
- akta.pro secondary industries
- Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ), Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
Keywords
Where Wishfin.com is headquartered
LocationHeadquarters
- HQ city
- Noida
- HQ country
- India
- HQ region
- Asia
Offices3 records
Markets served
Wishfin.com business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Lead Generation / Referral Fees: Wishfin generates revenue by referring qualified customers to partner banks and NBFCs. The company acts as a marketplace intermediary connecting borrowers with lenders, earning commission or referral fees for successful loan disbursals and credit card activations. MMPL does not sell loans directly and does not charge customers.
- Advertising Revenue: Revenue from displaying and promoting financial products and services from partner banks and NBFCs on the platform. Financial institutions advertise their products to Wishfin's large user base.
- CIBIL Partnership Services: As the official fintech partner of TransUnion CIBIL, Wishfin provides free CIBIL score checking services, which drives customer acquisition. CIBIL charges INR 550 per month directly while Wishfin provides this service free to attract users to the platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free CIBIL Score Check |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels10 records
Wishfin.com product offering
Product offeringCore offering
Wishfin operates a digital financial marketplace that aggregates loan, credit card, and investment products from more than 40 partner banks and NBFCs, allowing Indian consumers to compare offerings and apply online. As India's first official fintech partner of TransUnion CIBIL, the platform provides free CIBIL score checking and credit monitoring and uses a digital lending stack to streamline loan discovery, eligibility checks, and approvals.
Product overview
Wishfin is an Indian fintech company operating as a neutral, customer-centric financial marketplace that aggregates loan products, credit cards, and investment services from partnered banks and NBFCs. The platform functions as both a comparison marketplace and a lending enabler, offering Personal Loans, Home Loans, Business Loans, Car Loans, Gold Loans, Education Loans, Credit Cards, Fixed Deposits, Savings Accounts, Digital Gold, and Mutual Funds. Core products include the CIBIL Score Check (free credit score via official TransUnion CIBIL partnership), loan and credit card comparison/application tools, EMI calculators, and goal-based 'Wishes' planning. The ecosystem includes Wishfin app (iOS/Android), a blog content platform, and Deal4Loans sub-brand for credit card and mortgage marketplace. The platform serves over 40 million customers and has disbursed INR 25,000+ Crore through partnerships with 40+ banks.
Differentiator
Problem solved
Functional benefit
Brands
- deal4loans.com: A credit cards, personal loans and mortgage marketplace platform owned and operated by Wishfin, making them the largest marketplace for these products in India.
- Wishes (Financial Planning)
Products and services
- Personal Loan Comparison and online application for unsecured personal loans from partner banks and NBFCs, targeted at salaried and self-employed Indian consumers seeking short-term credit.
- Home Loan Home loan comparison, eligibility checks, EMI calculation, and online application routing to multiple housing finance partner lenders for Indian property buyers and refinancers.
- Business Loan Comparison and online application for unsecured business loans, MSME loans, and machinery loans for Indian small business owners and entrepreneurs.
- Credit Cards Credit card comparison, feature filtering, and online application across multiple issuer bank partners for Indian consumers.
- CIBIL Score Check Free TransUnion CIBIL credit score retrieval, report viewing, and ongoing credit monitoring for Indian consumers, with score-change alerts and educational resources.
- Car Loan Car loan comparison and online application across partner banks and NBFCs for Indian consumers purchasing new or used vehicles.
- Gold Loan Gold loan comparison and online application for Indian consumers pledging gold ornaments as collateral to access short-term credit.
- Education Loan Education loan comparison and online application across partner banks and NBFCs for Indian students and parents funding domestic or overseas higher education.
- Fixed Deposit Fixed deposit comparison across partner banks, allowing Indian consumers to compare FD interest rates and book deposits online.
- Savings Account Online savings account comparison and digital account opening with partner banks for Indian consumers.
- Digital Gold Digital gold purchase and investment for Indian consumers, enabling small-denomination gold accumulation online.
- Mutual Funds Mutual fund discovery, comparison, and online investment using a recommendation engine that suggests funds based on user inputs, available via the dedicated mutualfund.wishfin.com platform.
- Deal4Loans Loan Comparison Portal Loan comparison and application portal operating as a Wishfin-owned sub-brand, providing EMI calculators and partner-lender routing for personal, home, car, education, gold, and business loans.
Quantifiable outcome
- Over 56 million satisfied users have used the platform
- +4 more outcomes
Companies that use Wishfin.com
Customer profileNamed customers6 records
Segments9 records
Ideal customer profiles5 records
Wishfin.com technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature4 records
Wishfin.com partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- TransUnion CIBILcoreWishfin is the first official fintech partner of TransUnion CIBIL, India's leading credit bureau. This partnership enables Wishfin to provide free CIBIL score checking services to users, verified credit reports, and credit monitoring capabilities. As an official partner, Wishfin accesses CIBIL's credit information infrastructure to serve its millions of users.
- deal4loans.comcoreWishfin owns and operates deal4loans.com, which combined makes Wishfin the largest credit cards, personal loans, and mortgage marketplaces in India. This acquisition/integration expands Wishfin's market reach and product portfolio.
- HDFC BankcorePartner bank for personal loans, home loans, and credit cards distributed through Wishfin's platform. Featured prominently in bank logos section and product offerings.
- Tata CapitalcorePartner NBFC for personal loans distributed through Wishfin's platform. Mentioned in customer testimonials for loan processing.
- State Bank of India (SBI)coreMajor public sector bank partner for home loans, personal loans, credit cards, car loans, and fixed deposits offered through Wishfin's platform.
- ICICI BankcorePartner bank for personal loans, home loans, credit cards, car loans, and fixed deposits distributed through Wishfin.
- Axis BankcorePartner bank for credit cards, personal loans, home loans, and car loans offered through Wishfin's marketplace.
- Standard Chartered BankminorPartner bank for credit cards distributed through Wishfin. Mentioned in customer testimonial.
- Yes BankminorPartner bank for credit cards offered through Wishfin's platform.
- IndusInd BankminorPartner bank for credit cards offered through Wishfin's platform.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Wishfin.com competitors and assessment
Company assessmentDirect peers
- MoneyTap: Digital personal credit line and personal loan platform partnering with Indian banks; competes with Wishfin's personal loan vertical from a more D2C, app-led lending experience.
- Paisabazaar.com: Policybazaar-owned financial marketplace for comparing and applying to credit cards, personal loans, home loans and other credit products across Indian banks and NBFCs; the closest direct competitor to Wishfin in loan and card aggregation.
- BankBazaar: India-focused online marketplace for credit cards, loans, and other financial products from banks and insurers, directly overlapping Wishfin's personal loan, home loan, and credit card comparison verticals.
- Deal4Loans (subsidiary): Wholly-owned Wishfin subsidiary and India marketplace for credit cards, personal loans, and mortgages; serves the same customer segments with overlapping bank partnerships as Wishfin itself.
- CreditMantri: India-based credit profiling and loan matchmaking platform that helps consumers improve CIBIL scores and access credit products from partner lenders, closely analogous to Wishfin's credit-improvement and lending-discovery funnel.
- EarlySalary (Fibe): Tech-enabled salary advance and personal loan platform targeting young salaried Indians, overlapping Wishfin's personal loan and emergency credit use cases for similar consumer segments.
- CASHe: Mobile-first digital lending platform offering personal loans and credit lines to salaried and self-employed consumers in India, competing for similar personal-loan demand as Wishfin's marketplace.
Emerging players
- Finology: Indian fintech focused on credit-score checking, financial education, and investment tools, with an emerging lending referral proposition that overlaps Wishfin's CIBIL and credit-improvement acquisition funnel.
- CreditVidya: India-based alternative credit underwriting and data-analytics company that helps lenders assess thin-file borrowers; intersects with Wishfin's credit-data and matching infrastructure at the lender interface.
Regional players
- Lendingkart: India-focused online lending platform providing working capital and business loans to SMEs, comparable to Wishfin's business-loan vertical though operating a balance-sheet lending model rather than pure aggregation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Wishfin.com social profiles
Digital presenceWishfin.com financial estimates
Financial estimateRevenue estimate
Valuation estimate
Wishfin.com leadership team
Management profileNumber of profiles
Profiles5 records
Wishfin.com subsidiaries and ownership
Company hierarchySubsidiaries1 record
Wishfin.com funding detail
Funding detailFunding overview
Funding rounds2 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Wishfin.com M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Wishfin.com
What does Wishfin.com do?
Wishfin operates a digital financial marketplace that aggregates loan, credit card, and investment products from more than 40 partner banks and NBFCs, allowing Indian consumers to compare offerings and apply online. As India's first official fintech partner of TransUnion CIBIL, the platform provides free CIBIL score checking and credit monitoring and uses a digital lending stack to streamline loan discovery, eligibility checks, and approvals.
Is Wishfin.com a public or private company?
Wishfin.com is a private company. It is classified as venture growth investor backed and is currently operating.
When was Wishfin.com founded?
Wishfin.com was founded in 2016. It employs 251 to 500 people.
Where is Wishfin.com based?
Wishfin.com is headquartered in Noida, India, in the Asia region.
How does Wishfin.com make money?
Three revenue lines are on record. Lead Generation / Referral Fees are the primary driver. The others are advertising Revenue and CIBIL Partnership Services.
Who are Wishfin.com's main competitors?
Direct peers on record are MoneyTap, Paisabazaar.com, BankBazaar, Deal4Loans (subsidiary), CreditMantri, EarlySalary (Fibe) and CASHe. Emerging players are Finology and CreditVidya. Lendingkart is listed as a regional player.
Does Wishfin.com have an API?
No public API is recorded for Wishfin.com.
What industry is Wishfin.com in?
Wishfin.com's product category is Consumer Financial Marketplace. Its primary akta.pro industry code is FSAGAHAA, Loan Origination Platforms (LOS) & Digital Application Journeys, with a secondary code of FSALABAJ, Mortgage Comparison, Marketplace & Rate-Shopping Platforms. Its NAICS code is 522310 and its SIC code is 6163.