Investkraft
Investkraft is a Delhi-based fintech aggregator operating a digital marketplace that connects Indian consumers with loans, insurance, investments, and bill payment services from 200+ RBI-approved banks and NBFCs, distributed via a mobile app and a 5,000+ partner agent network.
- Company typePrivate
- Founded2020
- HeadquartersDelhi, India
- Headcount51–100
- GTM typeB2C
- OfferingDigital Commerce or Content
What Investkraft does
Investkraft, operated by Monetic Fintech Private Limited, is a Delhi-based fintech aggregator founded in 2020 that operates a digital marketplace connecting Indian consumers with financial products from 200+ RBI-approved banks and NBFCs. The platform spans personal loans, home loans, loan-against-property, instant loans, business loans, loan-against-mutual-funds, motor/life/health/business insurance, fixed deposits, unlisted/pre-IPO shares via its UnlistedKraft sub-brand, digital gold, and Bharat Bill Payment System (BBPS) bill payment services. It also offers financial planning calculators (EMI, SIP, FD, ELSS, NPS, PPF) and an educational content platform called InvestGyan.
The underlying technology is a 100% digital, paperless platform delivered via a mobile app (4.8 Google Play rating) and website, using OTP-based KYC verification, an instant approval and disbursement workflow (typically within 24 hours for personal loans), and bank-grade 256-bit encryption. A proprietary multi-lender comparison engine enables side-by-side evaluation of 70+ NBFC and insurer offerings. Distribution is hybrid: a self-serve product-led channel supplemented by a 5,000+ partner agent network (IK Partners and POSP insurance agents) for offline lead generation across India.
The business model is commission-driven: referral and lead-generation fees from partner banks and NBFCs for loan origination, commission on insurance policy sales, transaction fees on BBPS bill payments, and distribution economics on fixed deposits and unlisted shares. Customer segments are primarily retail — salaried and self-employed individuals seeking credit, insurance, and investment products — with no disclosed enterprise or institutional customer concentration. The company is privately held, bootstrapped with no disclosed external funding, and has cumulatively disbursed ₹50+ Crore in loans to over 10 lakh customers, with 10,000+ active users on the platform.
Investkraft firmographics
Firmographics- Name
- Investkraft
- Legal name
- Monetic Fintech Private Limited
- Website
- https://investkraft.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Investkraft is a Delhi-based fintech aggregator operating a digital marketplace that connects Indian consumers with loans, insurance, investments, and bill payment services from 200+ RBI-approved banks and NBFCs, distributed via a mobile app and a 5,000+ partner agent network.
- Ownership category
- akta.pro rank
Investkraft industry classification
Industry- Product category
- Fintech Aggregation and Financial Product Distribution
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Embedded Insurance Distribution & Premium Financing (FSAGALAF)
Keywords
Where Investkraft is headquartered
LocationHeadquarters
- HQ city
- Delhi
- HQ country
- India
- HQ region
- Asia
Markets served
Investkraft business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Loan Distribution Commission: Earn referral/lead generation fees from banks and NBFCs for facilitating loan applications
- Insurance Distribution Commission: Commission from insurance providers for policy sales through the platform
- Investment Product Distribution: Revenue from distribution of fixed deposits and unlisted/pre-IPO shares
- BBPS Bill Payment Services: Bharat Bill Payment System services for utility bill payments
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Personal Loan up to ₹50 Lakh |
| Transaction based/ take rate | Pay-as-you-go | Home Loan |
| Transaction based/ take rate | Pay-as-you-go | Insurance Products |
| Transaction based/ take rate | Pay-as-you-go | Fixed Deposit & Unlisted Shares |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Investkraft product offering
Product offeringCore offering
Investkraft operates a digital fintech aggregator platform that connects individual consumers with 200+ RBI-approved banks, NBFCs, and insurers to distribute personal loans, home loans, business loans, loan against property, loan against mutual funds, instant loans, motor/life/health/business insurance, fixed deposits, unlisted/pre-IPO shares, digital gold, and BBPS bill payments. The platform delivers these products through a 100% digital, paperless mobile app and web interface with OTP-based KYC verification, instant approval and disbursement, and a multi-lender comparison engine spanning 70+ NBFC and insurer offerings.
Product overview
Investkraft is a fintech platform operating as a one-stop digital marketplace for financial services in India. The platform functions as an aggregator connecting users with 200+ partnered RBI-approved banks and NBFCs. Its core product portfolio includes loan products (Personal Loan, Home Loan, Loan Against Property, Instant Loan, Business Loan, Loan Against Mutual Fund), insurance products (Motor Insurance, Life Insurance, Health Insurance, Business Insurance), investment products (Fixed Deposit, Unlisted Shares, Digital Gold), and bill payment services via BBPS. The platform also provides financial planning tools including EMI, SIP, FD, ELSS, NPS, and PPF calculators, along with educational content through InvestGyan. All services are delivered through a 100% digital, paperless process via mobile app and web platform.
Differentiator
Problem solved
Functional benefit
Brands
- UnlistedKraft: Platform for investing in unlisted shares and pre-IPO opportunities
Products and services
- Personal Loan Unsecured personal loans up to ₹50 lakh distributed through partner RBI-approved banks and NBFCs to salaried and self-employed individuals in India, with a 100% digital application flow, competitive interest rates, and instant approval.
- Home Loan Home loans sourced from partnered RBI-approved banks and NBFCs with interest rates starting from 8.50% p.a. and disbursement typically within 24-48 hours after property verification, enabling customers to purchase, construct, or renovate homes.
- Loan Against Property Secured loans against residential or commercial property, allowing customers to unlock property value for significant financial needs such as business expenses with competitive rates from partnered lenders.
- Instant Loan 24x7 instant cash loans disbursed within minutes through a fully digital paperless process, available to applicants round the clock through partner NBFCs.
- Business Loan Loans up to ₹5 lakh with up to 60-month tenure for working capital, business expansion, equipment purchase, and operational expenses, sourced through partner banks and NBFCs.
- Loan Against Mutual Fund Secured credit facility where customers pledge their mutual fund holdings to obtain loans, with disbursement within 4 hours of approval via partnered lenders.
- Medical Loan Loans for medical expenses distributed through Investkraft's partner lender network, accessible via the digital platform.
- Motor Insurance Comprehensive motor insurance coverage including car insurance, bike insurance, and commercial vehicle insurance, aggregated across partner insurers and processed within 5 minutes on the platform.
- Life Insurance Life and term insurance plans offered in partnership with leading insurers to secure customers' families' futures, with instant quotes and paperless purchase through the platform.
- Health Insurance Health insurance plans providing coverage up to ₹50 lakh for medical expenses, including individual and group health insurance options across partnered insurers.
- Group Health Insurance Group health insurance plans for employers and organizations distributed through partnered insurers, enabling coverage for groups of employees.
- Business Insurance Business insurance products that shield enterprises against operational risks, offered with instant coverage availability and paperless issuance through partnered insurers.
- Fixed Deposit Fixed deposit investment products offering secure savings with guaranteed returns through partnered banks and NBFCs, distributed digitally on the Investkraft platform.
- Unlisted Shares (UnlistedKraft) Pre-IPO and unlisted share investment opportunities enabling retail investors to access shares of private companies before listing, with a minimum investment of ₹10,000 via the UnlistedKraft sub-brand.
- Digital Gold Digital gold investment product allowing users to buy, hold, and redeem gold digitally with secure storage, accessible through the Investkraft platform.
- Bill Payment (BBPS) Bharat Bill Payment System enabled bill payment service covering electricity, DTH, LPG, water, insurance premiums, and cable TV with quick and secure processing through the Investkraft app and website.
Quantifiable outcome
- Loan disbursement within 24 hours of approval for most personal loans
- +3 more outcomes
Companies that use Investkraft
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
Investkraft technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
Investkraft partnerships and signals
Strategic signalPartnerships
26 partnerships are on record, tiered core and minor.
- HDFC BankcoreMajor banking partner providing home loans, personal loans, and other financial products through Investkraft's platform. Customers can compare and apply for HDFC Bank products digitally.
- ICICI BankcoreKey banking partner offering loans and financial products with competitive rates through Investkraft's digital platform.
- Axis BankcoreBanking partner providing loan products distributed through Investkraft's platform with instant approval options.
- Kotak Mahindra BankcoreBanking partner for loan products including personal loans and home loans offered through Investkraft.
- Bajaj FinservcoreMajor NBFC partner providing personal loans, business loans, and insurance products with fast disbursement.
- Shriram FinancecoreNBFC partner offering commercial vehicle loans, business loans, and other financial products.
- Tata CapitalcoreNBFC partner providing loans and investment products through Investkraft's platform.
- Aditya Birla FinancecoreNBFC partner offering diverse loan products and financial solutions distributed via Investkraft.
- IndusInd BankcoreBanking partner for loan distribution with competitive interest rates offered on Investkraft.
- Yes BankminorBanking partner providing loan products through Investkraft's digital platform.
- IDFC First BankminorBanking partner for loan products distributed on Investkraft platform.
- Bandhan BankminorBanking partner providing loan products through Investkraft's network.
- Standard CharteredminorInternational banking partner for premium loan products offered on Investkraft.
- HSBCminorGlobal banking partner for international-standard loan products distributed via Investkraft.
- Mahindra FinanceminorNBFC partner specializing in vehicle and rural finance products.
- Chola MS (Cholamandalam Investment)minorNBFC partner providing vehicle loans and insurance products.
- Muthoot FinanceminorGold loan and business loan NBFC partner for Investkraft's loan offerings.
- L&T FinanceminorNBFC partner providing infrastructure and rural finance products.
- HDB Financial ServicesminorNBFC partner for consumer finance products distributed through Investkraft.
- IIFL (India Infoline)minorNBFC partner providing loans and wealth management products.
- Poonawalla FinanceminorNBFC partner offering personal and business loans.
- EdelweissminorNBFC partner providing loans and investment products.
- Piramal FinanceminorNBFC partner for retail and wholesale financing products.
- Hero FincorpminorNBFC partner providing loans through Investkraft's digital platform.
- Fullerton IndiaminorNBFC partner for personal and business loans.
- FibeminorDigital lending NBFC partner for instant loans through Investkraft.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
Investkraft competitors and assessment
Company assessmentDirect peers
- PolicyBazaar: India's largest insurance and financial product aggregator (part of PB Fintech). Direct peer because both platforms route consumers to multiple lenders/insurers via a comparison-led, commission-based model across insurance and loans.
- PaisaBazaar: Loan, credit card and personal finance comparison platform (also part of PB Fintech). Direct peer given near-identical aggregator model — multi-bank/NBFC comparison with referral/commission revenue.
- BankBazaar: Established Indian financial product aggregator for loans, credit cards and insurance. Direct peer because it also connects users with RBI-regulated banks and insurers through a comparable revenue and product model.
- CreditMantri: Credit-health and personal loan discovery platform for Indian consumers. Comparable because both operate as lending intermediaries focused on credit-invisible customers seeking loans from banks and NBFCs.
- Coverfox (now part of PB Fintech): Online insurance aggregator in India, now part of PB Fintech. Most direct insurance-side peer because both operate POSP/commission-based insurance distribution via partner insurers.
Emerging players
- Fibe (formerly EarlySalary): Digital lending and salary advance fintech serving Indian consumers and SMBs. Adjacent peer: while primarily a lender rather than a pure aggregator, it competes in instant personal loans and is part of the same distribution ecosystem.
- MoneyTap: App-based consumer credit line provider in India. Comparable as a fintech consumer-lending alternative competing for the same digital-first borrower segment via partner-bank rails.
- Lendingkart: Indian SME lending fintech. Comparable operating geography and fintech intermediary model, but B2B focused; useful as a benchmark for how aggregation and partner-bank models perform in India.
Broad incumbents
- LendingTree: US-based financial product comparison and lead-generation marketplace. Comparable on aggregator business model and multi-lender comparison, useful international reference for the comparison-aggregator thesis.
- NerdWallet: US-based consumer finance comparison and content platform with insurance and investment verticals. Comparable as a comparable aggregator/lead-gen model combining comparison tools, editorial content (similar to InvestGyan) and partner-distribution economics.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Investkraft social profiles
Digital presenceInvestkraft financial estimates
Financial estimateRevenue estimate
Valuation estimate
Investkraft leadership team
Management profileNumber of profiles
Investkraft funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Investkraft M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Investkraft
What does Investkraft do?
Investkraft operates a digital fintech aggregator platform that connects individual consumers with 200+ RBI-approved banks, NBFCs, and insurers to distribute personal loans, home loans, business loans, loan against property, loan against mutual funds, instant loans, motor/life/health/business insurance, fixed deposits, unlisted/pre-IPO shares, digital gold, and BBPS bill payments. The platform delivers these products through a 100% digital, paperless mobile app and web interface with OTP-based KYC verification, instant approval and disbursement, and a multi-lender comparison engine spanning 70+ NBFC and insurer offerings.
Is Investkraft a public or private company?
Investkraft is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Investkraft founded?
Investkraft was founded in 2020. It employs 51 to 100 people.
Where is Investkraft based?
Investkraft is headquartered in Delhi, India, in the Asia region.
How does Investkraft make money?
Four revenue lines are on record. Loan Distribution Commission is the primary driver. The others are insurance Distribution Commission, investment Product Distribution and BBPS Bill Payment Services.
Who are Investkraft's main competitors?
Direct peers on record are PolicyBazaar, PaisaBazaar, BankBazaar, CreditMantri and Coverfox (now part of PB Fintech). Emerging players are Fibe (formerly EarlySalary), MoneyTap and Lendingkart. Broad incumbents are LendingTree and NerdWallet.
Does Investkraft have an API?
No public API is recorded for Investkraft.
What industry is Investkraft in?
Investkraft's product category is Fintech Aggregation and Financial Product Distribution. Its primary akta.pro industry code is FSAGALAF, Embedded Insurance Distribution & Premium Financing. Its NAICS code is 522310 and its SIC code is 6163.