Akiko Global Services

What Akiko Global Services does

Akiko Global Services Limited, operating under the brand "The Money Fair," is an India-based financial product aggregator and marketplace headquartered in New Delhi. Founded in 2018 and now publicly listed on the NSE (ticker: AKIKO), the company operates a digital, direct-to-consumer platform that aggregates and distributes credit cards, personal loans, business loans, home loans, loans against property, and bank accounts on behalf of 100+ partnered banks and NBFCs including HDFC, Axis, ICICI, SBI, IDFC First, IndusInd, AU, Standard Chartered, and American Express. The platform serves individual consumers across India, with 6.5M+ registered users and 2.5M+ reviews supporting customer acquisition, and offers free Experian-powered credit score monitoring as a lead-generation entry point. Technology is described as an algorithm-based credit assessment engine combined with a proprietary CRM for lead injection and lender routing, and the company holds ISO 27001:2013 certification for information security.

The business model is a transaction-fee / referral-commission model: Akiko does not lend, does not charge end consumers, and monetizes only when a matched application converts to a successful product with a partner bank or NBFC. Reported financials show FY26 (year ended March 2026) sales of ₹172.73 crore, up 126.38% year-on-year, and net profit of ₹15.33 crore, up 107.44% year-on-year, with operating profit margin of 13.65% in Q4 FY26; May 2026 turnover was ₹22.73 crore (329% YoY) and management has stated a ₹300 crore revenue target for FY27, with significant contribution expected from the upcoming AkikoPay iOS payments platform. The company has scaled headcount to 2,000+ employees, a level that is high relative to current revenue and suggests a sales/operations-heavy model alongside the digital marketplace. Distribution is entirely domestic (India, with Delhi/NCR as the primary geography), and the company maintains offices in New Delhi and Chandigarh, with disclosed group entities covering commercial brokerage (Akiko Global Commercial Broker LLC) and a broker network (White Lotus Broker Network Private Limited). The management team is led by Managing Director Priyanka Dutta, Executive Director and CFO Richa Arora, Executive Director Gurjeet Singh Walia, and founder/promoter Ankur Gaba (Business Development Head), with the company actively pursuing its IPO and publishing full investor-relations disclosures.

Name

Akiko Global Services

Legal name

Akiko Global Services Limited

Website

https://themoneyfair.com

Company type

Public

Founded year

2018

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Akiko Global Services operates The Money Fair, an India-based digital marketplace that aggregates credit cards, personal, business, home, and property-backed loans from 100+ banks and NBFCs, serving 6.5M+ consumers via an algorithm-based platform and earning referral commissions on successful matches.

Ownership category

akta.pro rank

Product category

Financial Product Marketplace / Loan & Credit Card Aggregation Platform

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199)

akta.pro primary industry

Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB)

akta.pro secondary industry

Price Comparison, Deals, Cashback & Loyalty Shopping Platforms (BPAMAGAH)

Keywords

• Financial product aggregation
• Credit card comparison
• Loan marketplace
• Credit score monitoring
• Fintech platform

Headquarters

HQ city

New Delhi

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Referral/Commission Revenue: The company earns referral commissions from banks and NBFCs when customers are successfully matched with financial products. The platform acts as an intermediary connecting borrowers with lenders.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

The Money Fair, operated by Akiko Global Services Limited, is a digital financial product aggregation marketplace that lets individual consumers compare and apply for credit cards, personal loans, business loans, home loans, loans against property, and bank accounts offered by 100+ partnered banks and NBFCs. The platform uses an algorithm-based credit assessment engine (with Experian data) to provide unbiased product comparison and recommendations, and offers free credit score monitoring alongside paid revenue generated through referral commissions from lenders.

Product overview

The Money Fair is a financial services aggregation platform operated by Akiko Global Services Limited, offering a unified marketplace for credit cards, personal loans, business loans, home loans, loans against property, and bank accounts. The platform is powered by algorithm-based technology that analyzes creditworthiness data from Experian to provide unbiased recommendations across 100+ partnered banks and NBFCs. Core offerings include credit score monitoring (free access with monthly reports), credit card comparison with application support, and various loan products. The company has announced AkikoPay as an upcoming iOS payment platform. The platform uses proprietary CRM technology and emphasizes digital-first processing with paperless application workflows.

Differentiator

Problem solved

Functional benefit

Brands

• AkikoPay: Payment/digital wallet platform launching soon on iOS, expected to contribute significantly to company revenue.

Products and services

• Credit Cards Digital marketplace offering credit cards from 50+ partnered banks and NBFCs including HDFC, Axis Bank, IDFC First, IndusInd Bank, AU Bank, ICICI, and American Express. Users can compare cards based on rewards, benefits, annual fees, and eligibility criteria, with Rupay, Visa, and Mastercard variants covering lifetime free, cashback, and airport lounge access benefits.
• Personal Loans Unsecured personal loan aggregation and comparison service offering loans up to ₹15 lakhs from partnered banks and financial institutions. Features digital application process, Aadhaar or video KYC verification, and loan disbursal to bank accounts.
• Business Loans Business financing solutions offering loans up to ₹50 lakhs for startups, small businesses, and established companies. Aims to help manage cash flow, invest in growth, and meet operational needs.
• Home Loans Home loan comparison and application service offering financing up to ₹10 crores for home purchase, construction, and renovation. Provides access to multiple lender offerings through a digital platform.
• Loans Against Property Loan offerings secured against residential or commercial property, providing financing up to ₹10 crores with flexible loan options for various financial needs.
• Bank Accounts Digital bank account opening service enabling instant account activation with partnered banks including American Express, AU Bank, Axis Bank, SBI, and Standard Chartered. Features zero balance options and digital-first account management.
• Credit Score Free credit score checking and monitoring service powered by Experian. Provides monthly free reports, smart score insights, credit health improvement guidance, and progress tracking. Scores range from 300-850 with categorization into Low, Fair, Good, and Excellent bands.
• AkikoPay Payment platform announced by Akiko Global Services. Expected to launch on iOS, representing the company's expansion into digital payments and a key driver of FY27 revenue targets of ₹300 crore.

Quantifiable outcome

• 329% year-on-year turnover increase in May 2026
• +3 more outcomes

Named customers8 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Eleven partnerships are on record, tiered core.

• HDFC BankcoreChannel Partner/ Reseller/ DistributorHDFC Bank credit cards and loan products offered through The Money Fair platform, allowing customers to compare and apply for HDFC products alongside other bank offerings.
• Axis BankcoreChannel Partner/ Reseller/ DistributorAxis Bank credit card products offered through The Money Fair platform with smooth, hassle-free application process.
• IDFC First BankcoreChannel Partner/ Reseller/ DistributorIDFC First Bank credit cards offered through the platform including Millennia Credit Card.
• IndusInd BankcoreChannel Partner/ Reseller/ DistributorIndusInd Bank credit cards offered through The Money Fair platform.
• AU BankcoreChannel Partner/ Reseller/ DistributorAU Bank credit cards offered through the platform.
• ICICI BankcoreChannel Partner/ Reseller/ DistributorICICI Bank credit cards including HPCL Coral card offered through the platform.
• SBI (State Bank of India)coreChannel Partner/ Reseller/ DistributorSBI banking products including home loans and credit cards offered through the platform.
• Standard CharteredcoreChannel Partner/ Reseller/ DistributorStandard Chartered banking products offered through the platform.
• American ExpresscoreChannel Partner/ Reseller/ DistributorAmerican Express credit cards including Platinum Reserve offered through the platform.
• 100+ Banks and NBFCscoreChannel Partner/ Reseller/ DistributorComprehensive network of 100+ banking and non-banking financial company partners offering diverse financial products through The Money Fair platform.
• ExperiancoreTechnology or IntegrationCredit information provider powering credit score and analysis services on The Money Fair platform. Company acts as authorized representative to receive credit information from Experian.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• CreditVidya: India-based alternative credit underwriting and analytics provider. Adjacent to The Money Fair's algorithm-based creditworthiness assessment layer using bureau + alternative data.
• FinBox: Digital lending and credit infrastructure platform for NBFCs and banks in India. Comparable as credit-tech infrastructure layer that complements or competes with aggregator-led origination models.
• Lendingkart: Indian fintech providing working capital and business loans to SMEs. Comparable target segment (business loans up to ₹50L) offered through The Money Fair's platform.
• NIRA Finance: Digital personal loan platform for salaried and self-employed consumers in India. Comparable on personal loan up to ₹15L product positioning and instant digital disbursal model.
• MoneyTap: App-based personal credit line product in India. Comparable on consumer credit positioning and digital onboarding flows in the personal loan / credit segment.

Others

• Bank of Baroda: Large Indian public-sector bank that is part of The Money Fair's bank partner universe. Relevant as a comparable distribution counterparty and as a benchmark for partner-bank D2C digital strategies that could disintermediate aggregators.

Direct peers

• CreditMantri: India-based credit score, credit health and loan/credit card matchmaking platform. Closely comparable to The Money Fair on the Experian-powered free credit score funnel and credit-product matching.
• Paisabazaar: India's leading free credit product comparison platform (credit cards, personal loans, business loans, home loans) operated by Policybazaar group. Closest direct competitor to The Money Fair on product mix, partner-bank model and commission-based monetization.
• BankBazaar: Indian financial product comparison marketplace for credit cards, loans and insurance products. Competes head-on with The Money Fair on credit card aggregation and lender referral economics.

Broad incumbents

• Policybazaar: India's largest financial product comparison platform (parent of Paisabazaar). Broader incumbent across insurance, credit and investment products; overlaps with The Money Fair on credit cards and loans but operates a wider portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

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 Akiko Global Services