Paisabazaar.com

What Paisabazaar.com does

Paisabazaar.com is an Indian online financial marketplace operated by Paisabazaar Marketing and Consulting Private Limited, a wholly-owned subsidiary of PB Fintech (NSE/BSE-listed parent of Policybazaar). Founded in 2014 and headquartered in Gurugram, the platform serves over 55-58 million consumers across 860 cities, functioning as a credit and investment product comparison engine with free multi-bureau credit score access (CIBIL, Experian, Equifax, CRIF High Mark) as its primary acquisition funnel. Consumers compare and apply for personal loans, business loans, home loans, credit cards, fixed deposits, bonds, mutual funds, and specialized lending products sourced from 65+ partner banks, NBFCs, and fintechs, with three co-branded credit cards (Yes Bank PaisaSave, RBL Bank DUET, SBM Bank Paisa+) anchoring distribution depth.

The platform's technology stack centers on an AI-driven credit matching engine that processes consumer profiles against lender criteria in real time, supports automated underwriting for new-to-credit segments, and generates personalized recommendations; AI handles an estimated 70-80% of backend operations and produces AI-generated video explanations of credit profiles. Distribution combines a digital-first self-serve website and mobile application (4.5/5 on Google Play) with an emerging phygital retail footprint targeting 100 physical stores across major Indian metros. The platform is ISO/IEC 27001:2022 and PCI DSS certified, and Paisabazaar holds a SEBI license for debt stock broking on the NSE.

The business model is a commission-based marketplace: revenue is earned via transactional fees on successful loan disbursals, credit card issuance (over 350,000 cards in the prior year), and BBPS-powered bill payment transactions, plus affiliate fees on investment product distribution. The company reports Rs 31,000 crore in credit disbursals and has reached EBITDA positivity with management guiding continued profitability, while parent PB Fintech reported FY26 consolidated operating revenue of Rs 6,794 crore. The freemium consumer-side pricing (free credit scores, free comparison) is monetized entirely on the lender-supply side, reducing demand-side acquisition friction while creating take-rate exposure to lender partner economics.

Name

Paisabazaar.com

Legal name

Paisabazaar Marketing and Consulting Private Limited

Website

https://paisabazaar.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Paisabazaar.com is an Indian online financial marketplace serving over 58 million consumers across 860 cities, offering free credit scores and AI-driven comparison of loans, credit cards, and investment products from 65+ bank, NBFC, and fintech partners, monetized via lender commissions.

Ownership category

akta.pro rank

Product category

Loan Aggregation Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

akta.pro secondary industries

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Loan aggregation platform
• Credit score services
• Financial product comparison
• Credit card marketplace
• Personal loan brokerage

Headquarters

HQ city

Gurugram

HQ country

India

HQ region

Asia

Offices3 records

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Loan Distribution Commission: Commission fees earned from banks, NBFCs and fintech lenders when consumers successfully obtain loans through the Paisabazaar platform. The platform facilitates personal loans, business loans, home loans, and other credit products.
2. Credit Card Issuance Revenue: Commission and referral fees from banking partners for credit card applications processed through the platform. Issued more than 350,000 credit cards last year.
3. Bill Payment Services: Transaction fees and cashback commissions earned from bill payment services including mobile recharge, utility bills, credit card dues, DTH, FASTag, and loan EMI payments. Paisabazaar earns assured rewards on every transaction processed through PB Wallet.
4. Investment Product Distribution: Commission revenue from distribution of fixed deposits, bonds, and mutual funds through the platform. Fixed deposit rates comparison and SEBI regulated bonds offerings.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Paisabazaar.com is India's leading online financial marketplace and free credit score platform that aggregates and distributes personal loans, business loans, home loans, credit cards, fixed deposits, bonds, mutual funds, and bill payment services from 65+ partnered banks, NBFCs, and fintechs. The platform uses AI-driven matching algorithms to connect over 58 million consumers across 860 cities with curated lending and investment product offers, earning commissions and transaction fees from partner institutions. Free credit score access from four bureaus (CIBIL, Experian, Equifax, CRIF High Mark) serves as the primary consumer acquisition channel.

Product overview

Paisabazaar.com is a digital financial marketplace and free credit score platform operated by PB Fintech (NSE: PBFL), serving over 58 million consumers across 860+ cities in partnership with 65+ banks, NBFCs, and fintechs. The platform operates a platform architecture centered on credit product comparison and brokerage: consumers access free credit scores from four bureaus (CIBIL, Experian, Equifax, CRIF High Mark) as a primary acquisition funnel, then are matched with curated loan and credit card offers from lending partners via an AI-driven recommendation engine. The core product suite spans personal loans, business loans, home loans, and credit cards (both marketplace and co-branded cards with Yes Bank, RBL Bank, and SBM Bank), supplemented by investment products (fixed deposits, bonds, mutual funds), bill payment services via BBPS, and the PB Wallet for rewards. A phygital retail expansion adds physical stores for consumers preferring in-person guidance. AI capabilities power creditworthiness scoring, process automation (70–80% of backend work), fraud detection, and personalized advisory including AI-generated credit explanation videos.

Differentiator

Problem solved

Functional benefit

Brands

• PB Money: Digital wallet and payment service offered by Paisabazaar for bill payments and transactions with assured rewards.
• Credit Health Pro
• PB Wallet
• Credit Premier League (CPL)

Products and services

• Personal Loan

Quantifiable outcome

• 55+ million consumers served across 860 cities in India
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability6 records

Feature3 records

Partnerships

15 partnerships are on record, tiered core.

• SBM Bank IndiacoreChannel Partner/ Reseller/ Distributor · 10 June 2026Launch of SBM Paisabazaar Paisa+ Credit Card - a fixed deposit-backed secured credit card designed for first-time users, students, and individuals with limited credit history. Minimum FD of Rs. 2,000 with FD returns up to 7% p.a. Cashback of up to 1.5% on online spends, 1% on offline spends, and 1% on eligible UPI transactions. Zero joining fee with annual fee of Rs. 499.
• TransUnion CIBILcoreTechnology or IntegrationCredit bureau partnership providing free CIBIL credit scores to consumers through the Paisabazaar platform
• ExperiancoreTechnology or IntegrationCredit bureau partnership providing free Experian credit scores to consumers
• EquifaxcoreTechnology or IntegrationCredit bureau partnership providing free Equifax credit scores to consumers
• CRIF High MarkcoreTechnology or IntegrationCredit bureau partnership providing free CRIF credit scores to consumers
• Axis BankcoreChannel Partner/ Reseller/ DistributorUnsecured loans and credit card distribution partnership through Paisabazaar platform
• HDFC BankcoreChannel Partner/ Reseller/ DistributorPersonal loans, business loans, credit cards, and home loans distribution partnership
• ICICI BankcoreChannel Partner/ Reseller/ DistributorUnsecured loans and credit cards distribution partnership through Paisabazaar platform
• State Bank of India (SBI)coreChannel Partner/ Reseller/ DistributorCredit card issuance and loan distribution partnership
• RBL BankcoreChannel Partner/ Reseller/ DistributorCo-branded credit card partnership - RBL Bank Paisabazaar DUET Credit Card with 1% cashback on eligible purchases and lifetime free card
• Yes BankcoreChannel Partner/ Reseller/ DistributorUnsecured loans and credit card distribution partnership through Paisabazaar platform
• Bajaj FinservcoreChannel Partner/ Reseller/ DistributorPersonal loans and home loans distribution partnership
• Tata CapitalcoreChannel Partner/ Reseller/ DistributorPersonal loans and home loans distribution partnership
• Kotak Mahindra BankcoreChannel Partner/ Reseller/ DistributorUnsecured loans and home loans distribution partnership
• PB Fintech (Parent Company)coreOthersPaisabazaar is a subsidiary of listed PB Fintech (Policybazaar parent). PB Fintech reported Q4 FY26 revenue of Rs 2,061 crore with net profit of Rs 261 crore. Paisabazaar turned EBITDA positive.

Scale indicators11 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• BankBazaar: BankBazaar is an Indian online financial products marketplace that aggregates credit cards, loans, and investment products from multiple banks and insurers. It is the most direct comparator to Paisabazaar, competing head-to-head for the same consumer lending funnel and lender relationships.
• CreditMantri: CreditMantri is a Chennai-based credit health and personal loan platform that helps Indian consumers understand, improve, and use their credit scores to access loan products. It overlaps directly with Paisabazaar's credit-score-led acquisition funnel and lender-aggregation model.
• IndiaLends: IndiaLends is an Indian online lending marketplace that aggregates personal, business, and home loans from banks and NBFCs. It uses a data-driven credit decisioning approach to match consumers to lenders, mirroring Paisabazaar's core marketplace proposition.

Emerging players

• Moneyview: Moneyview is a consumer finance platform that started as a personal finance management app and expanded into personal loans, credit cards, and credit-score services. It competes with Paisabazaar for the same digital-native, credit-aware Indian consumer segment.
• Lendingkart: Lendingkart is an Indian online lending platform focused on small business and MSME working capital loans through its NBFC arm. It overlaps with Paisabazaar's business loan aggregation vertical, especially for SMB customers.
• PaySense (by LazyPay): PaySense is an Indian digital lending platform offering personal loans to salaried and self-employed consumers, now part of the LazyPay/PayU ecosystem. It targets a similar new-to-credit and under-served borrower segment as Paisabazaar.
• LoanTap: LoanTap is an Indian online lending-NBFC offering personal loans, business loans, and home loans directly to consumers and through partner platforms. It is comparable to Paisabazaar as another digital-first lender operating in the same categories.
• KreditBee: KreditBee is a Bengaluru-based digital lending platform providing personal loans, credit lines, and insurance primarily to salaried professionals in tier-1 and tier-2 India. It competes with Paisabazaar for the same digitally active, mid-ticket-size borrower pool.

Others

• PolicyBazaar (PB Fintech): PolicyBazaar is the parent platform of Paisabazaar within PB Fintech, focused on insurance comparison and distribution. It is the most direct thematic and structural peer as the sibling brand and source of shared infrastructure and cross-sell.

Broad incumbents

• Paytm: Paytm is a large Indian digital payments and financial services platform offering personal loans, credit cards, postpaid credit, and investment products through Paytm Money. It is a broad incumbent that overlaps with Paisabazaar across consumer credit distribution and bill payments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/PaisaBazaar_in
• YouTubeyoutube.com/channel/UC7YUrsXvsWdidfUNjDUOACg
• Facebookfacebook.com/Paisabazaar
• LinkedInlinkedin.com/company/paisabazaar
• Instagraminstagram.com/officialpaisabazaar

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Paisabazaar.com