Viva Money

What Viva Money does

Viva Money (legal entity: Vivamoney Solutions Private Limited) is a digital lending platform incorporated in 2022 and headquartered in India (registered office in Gurgaon, Haryana; corporate office in Bengaluru, Karnataka). The company operates as a Digital Lending Application (DLA) and Lending Service Provider (LSP) in partnership with FincFriends Private Limited, an RBI-registered NBFC that holds the lending license and makes all credit decisions, while Viva Money provides the technology platform, customer interface, and marketing services. The platform is positioned as offering India's first Super Flexi Loan — a revolving credit line of ₹5,000 to ₹2,00,000 with a 0% interest grace period of up to 51 days, with interest charged only on amounts actually drawn.

The core product architecture revolves around a mobile-first, 100% paperless onboarding flow (downloadable on Android and iOS) that uses Aadhaar-based biometric KYC, PAN validation, and consent-based financial data access through the Sahamati Account Aggregator ecosystem. Repayments are structured as either one-shot within the grace period (zero interest) or converted to EMIs of 5, 10, or 20 months, with optional term fees of ₹999 and ₹1,499 respectively. Revenue is generated through interest income on drawn balances post-grace-period, one-time processing fees on approved credit limits, optional term fees, and ancillary fees for limit increases (₹250) and EMI rescheduling (₹750), plus a 5% early repayment fee.

The go-to-market is product-led and self-serve, targeted at Indian millennials and Gen Z as well as salaried (≥₹15,000/month) and self-employed (≥₹25,000/month household income) individuals. Acquisition runs through app stores, an extensive SEO-driven content/blog operation, and paid social on Instagram, YouTube, Facebook, LinkedIn, and X. The company is currently operational in six Indian states (Maharashtra, Karnataka, Gujarat, Tamil Nadu, Haryana, Goa) and is part of the Digital Finance International group, which also operates under the Viva brand in Mexico and Italy.

Name

Viva Money

Legal name

Vivamoney Solutions Private Limited

Website

https://vivamoney.in

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

51–100 employees

Short description

Viva Money is an India-based digital lending platform offering a Super Flexi Loan (revolving line of credit up to ₹2,00,000 with a 51-day interest-free period), serving young salaried and self-employed consumers through an RBI-registered NBFC partnership.

Ownership category

akta.pro rank

Product category

Consumer Digital Lending

NAICS

Sales Financing (52222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Overdraft & NSF Fee-Based Short-Term Credit (FSAKAMAF)

Keywords

• Digital lending platform
• Personal line of credit
• Consumer lending
• Instant personal loans
• Mobile loan app

Headquarters

HQ city

Bengaluru

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: The primary revenue stream comes from interest charged on outstanding balances after the 51-day grace period. Users who do not repay within the grace period are converted to EMI repayment plans at applicable interest rates. The company earns interest income only on amounts actually drawn by borrowers, not on the total approved limit.
2. Processing Fees: One-time processing fees charged on the approved credit limit. The fee varies based on the credit limit amount and loan terms selected by the borrower.
3. Optional Term Fees: Optional fees for extended repayment terms—₹999 for 10-month term and ₹1,499 for 20-month term. 5-month term has no optional term fee. These fees apply when borrowers choose to convert their outstanding balance to EMI repayment.
4. Limit Increase and EMI Rescheduling Fees: Fees charged for optional services such as credit limit increases (₹250) and EMI rescheduling/postponement (₹750). Early repayment incurs 5% fee on the early repayment amount with a minimum of ₹10,000.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Viva Money operates a 100% digital, mobile-first personal lending platform that issues India's first Super Flexi Loan — a revolving line of credit up to ₹2,00,000 with 0% interest for up to 51 days, where interest is charged only on the amount actually drawn. Customers onboard via Android/iOS apps with digital KYC, e-sign the loan agreement, and receive disbursement directly to their bank account in under 15 minutes, with flexible EMI repayment over 5, 10, or 20 months. Underlying credit underwriting and capital are provided by partner NBFC FincFriends Private Limited, while Viva Money serves as the Digital Lending Application and Lending Service Provider.

Product overview

Viva Money is a digital lending platform that operates as a Digital Lending Application (DLA) and Lending Service Provider (LSP) in partnership with RBI-registered NBFC FincFriends Private Limited. The company's core product portfolio centers on two main offerings: the Super Flexi Loan (India's first Super Flexi Loan) and the Personal Line of Credit, both providing instant loans up to ₹2,00,000 with 0% interest for up to 51 days. These products share a common flexible repayment architecture where users pay interest only on utilized amounts. The platform also offers specialized sub-products including Small Loans and Urgent Loans, and provides ancillary financial tools such as EMI Calculators. All offerings are delivered through a 100% digital, paperless process with loan approval in under 15 minutes.

Differentiator

Problem solved

Functional benefit

Products and services

• Super Flexi Loan India's first Super Flexi Loan offering instant funds up to ₹2,00,000 with 0% interest for up to 51 days. Interest is charged only on the amount actually used, not the entire approved limit. Repayment can be made within the grace period or through flexible EMIs of 5, 10, or 20 months. Targeted at individual Indian borrowers, particularly millennials and Gen Z, for emergency and short-term personal credit needs.
• Personal Line of Credit Revolving personal line of credit of up to ₹2,00,000 at 0% interest for 51 days. Borrowers can draw, repay, and redraw funds as needed, with the credit line functioning as a financial safety cushion for emergencies and short-term personal needs. Repayment options include paying within the grace period or converting to 5, 10, or 20-month EMIs. Designed for salaried employees earning at least ₹15,000/month and self-employed individuals with household income of at least ₹25,000/month.
• Small Loans Small personal loan offerings ranging from ₹5,000 to ₹2,00,000 for minor financial needs, with quick approval and flexible repayment options through the Viva Money digital app.
• Urgent Loans Emergency loan products ranging from ₹5,000 to ₹2,00,000 for handling urgent financial needs such as medical bills, with quick approval and easy repayment options via the Viva Money app.

Quantifiable outcome

• Loan approval and disbursement in less than 15 minutes
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

One partnership is on record.

• FincFriends Private LimitedcoreStrategic or Co-development PartnerRBI-registered Non-Banking Financial Company (NBFC) that serves as Viva Money's primary lending partner. FincFriends provides the regulatory framework and capital for loans, while Viva Money acts as the Digital Lending Application (DLA) and Lending Service Provider (LSP). All credit approval, underwriting, and lending decisions remain with FincFriends. Viva Money provides technology and marketing services.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Navii (mPokket): Instant personal loan app targeting young salaried and college-going users in India. Comparable on small-ticket loans, app-led acquisition, and Millennial/Gen Z focus.
• KreditBee: One of India's largest digital lending platforms targeting young, salaried professionals with personal loans and credit lines. Directly comparable on customer persona, loan ticket sizes, and digital-first origination model.
• MoneyTap: India's first app-based personal line of credit for salaried individuals, offering a revolving credit limit similar in structure to Viva Money's Super Flexi Loan. Direct product analogue with comparable target customer.
• ZestMoney: Digital lending platform providing consumer credit to underbanked Indian borrowers through mobile-first onboarding. Comparable on digital onboarding, target demographic, and product-led growth model.
• CASHe: AI-driven digital lending platform providing personal loans and credit lines to young salaried Indians. Comparable product offering and target demographic to Viva Money.
• Nira Finance: Digital lender offering personal lines of credit to salaried employees in India with a revolving credit model. Closely comparable in product structure and target customer profile.
• Fibe (formerly EarlySalary): Digital lending platform offering salary advances, personal loans, and credit lines to young salaried professionals in India. Closely comparable on customer segment, product mix, and PLG mobile app distribution.
• PaySense (LazyPay): Digital consumer credit platform offering personal loans and pay-later credit lines via mobile app. Operates under similar LSP/DLA partnering arrangements and targets a comparable Millennial demographic.
• Stashfin: Digital lending platform offering personal lines of credit to salaried consumers in India with a revolving credit structure closely analogous to Viva Money's Super Flexi Loan product.

Others

• FincFriends Private Limited: RBI-registered NBFC and Viva Money's exclusive lending partner providing the regulatory capital and credit decisioning framework. An ecosystem participant (supplier of lending capacity) rather than a competitor.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/vivamoneyindia
• YouTubeyoutube.com/@Vivamoneyindia
• Facebookfacebook.com/vivamoney
• LinkedInlinkedin.com/company/vivamoney
• Instagraminstagram.com/vivamoney.in

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 Viva Money