Swipeloan
SwipeLoan is an India-based digital lending marketplace that connects retail borrowers with a network of 100+ RBI-registered lenders across personal, medical, business, home, EV, and education loans, monetizing via subscription plans and loan facilitation commissions.
- Company typePrivate
- Founded2024
- HeadquartersPune, India
- Headcount1–10
- GTM typeB2C
- OfferingDigital Commerce or Content
What Swipeloan does
SwipeLoan, operated by KGIL Fintech Solutions Private Limited (CIN: U70200PN2024PTC231463), is an India-based digital lending marketplace incorporated in 2024 and headquartered in Pune. The platform functions as a loan facilitation intermediary rather than a direct lender, connecting individual borrowers seeking credit with a claimed network of 100+ RBI-registered lending partners. Its product surface spans personal loans, medical loans, business loans, home loans, education loans, car loans, EV loans, credit cards, loans against property, and loans against mutual funds, with an AI-driven matching layer routing borrower applications to suitable lenders. The company additionally offers tiered subscription products — the Credit Improvement Plan, Gold Plan, and Platinum Plan — aimed at pre-loan credit-profile services for retail customers.
SwipeLoan monetizes through two primary channels: subscription fees for its credit-improvement and membership plans, and referral or facilitation commissions on loans originated through partner lenders. The platform claims 2M+ users across its base, though this figure is unverified, and it operates with a lean team of 1-10 employees. It holds ISO 27001:2022 certification for information security, positions itself as compliant with the RBI Digital Lending Directions 2025, and is a member of IAMAI, FACE India, and the Unified Fintech Forum — credentials that establish baseline regulatory and industry credibility in India's digital lending sector.
Swipeloan firmographics
Firmographics- Name
- Swipeloan
- Legal name
- KGIL Fintech Solutions Private Limited
- Website
- https://www.swipeloan.in
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- SwipeLoan is an India-based digital lending marketplace that connects retail borrowers with a network of 100+ RBI-registered lenders across personal, medical, business, home, EV, and education loans, monetizing via subscription plans and loan facilitation commissions.
- Ownership category
- akta.pro rank
Swipeloan industry classification
Industry- Product category
- Digital Lending Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)
- 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), Underwriting Automation & Income/Employment Verification (FSAGAHAD)
Keywords
Where Swipeloan is headquartered
LocationHeadquarters
- HQ city
- Pune
- HQ country
- India
- HQ region
- Asia
Offices3 records
Markets served
Swipeloan business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations
Revenue model
- Subscription Services - Credit Improvement Plan (CIP): Three-tier subscription service (Basic, Standard, Premium) providing credit health reports, personalized guidance, monthly tracking, and relationship manager support. Fees are non-refundable and auto-renew upon user initiation.
- Premium Subscription Plans: Gold Plan (₹99/month) and Platinum Plan (₹199/month) offering premium platform access, priority support, detailed credit reports, and personalized loan eligibility analysis. Includes 7-day trial periods with automatic billing thereafter.
- Loan Facilitation/Referral Fees: As a loan facilitation platform, SwipeLoan connects borrowers with RBI-registered lending partners and earns referral or facilitation fees from lenders for qualified loan applications. SwipeLoan explicitly states it is not a direct lender.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic Plan - Credit Improvement Plan for 30 days |
| Subscription | Multi-year contract | Standard Plan - Credit Improvement Plan for 6 months |
| Subscription | Annual | Premium Plan - Credit Improvement Plan for 1 year |
| Subscription | Monthly | Gold Plan - Premium subscription with priority support |
| Subscription | Monthly | Platinum Plan - Premium subscription with VIP support |
| Usage-based | Monthly | Instant Personal Loan - Up to ₹1 lakh |
| Usage-based | Monthly | Medical Loan - Up to ₹10 lakh |
| Usage-based | Monthly | Electric Vehicle Loan - Up to ₹2 lakh |
| Usage-based | Monthly | Zero Credit Score Personal Loan - ₹1L to ₹10L |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Swipeloan product offering
Product offeringCore offering
SwipeLoan operates as a digital lending marketplace that connects individual borrowers with 100+ RBI-registered lending partners (banks and NBFCs). The platform uses an AI-powered matching engine to deliver personalized loan offers across personal, business, medical, home, education, car, EV, and credit card categories, with a fully online, paperless application process featuring digital KYC and same-day disbursal. The company also offers paid subscription plans (Gold, Platinum, Credit Improvement Plan) providing credit health monitoring, advisory services, and priority support.
Product overview
SwipeLoan operates as a consumer-facing digital credit marketplace platform (not a direct lender) built and operated by KGIL Fintech Solutions Private Limited. The core product is a web and mobile application that uses an AI-powered matching engine to connect borrowers with 100+ RBI-registered NBFC and bank lending partners. The platform's product portfolio consists of the SwipeLoan Core Platform as the central aggregator, supplemented by paid subscription add-ons (Gold Plan, Platinum Plan, Credit Improvement Plan) that offer enhanced credit monitoring and advisory features, and a suite of loan product verticals (Personal Loan, Medical Loan, Business Loan, Home Loan, Education Loan, Car Loan, EV Loan, Credit Cards, Loans Against Property, Loans Against Mutual Funds) that are all facilitated through the same matching infrastructure. The EMI Calculator and Free Credit Score Check are free sub-tools embedded in the platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loan Unsecured personal loans facilitated through partner lenders with loan amounts from ₹1,000 to ₹1,00,000, interest rates from 1.5% per month, flexible tenure of 3-24 months, instant approval, 100% digital process, and same-day or next business day disbursement. For salaried and self-employed individuals needing quick funds.
- Medical Loan Unsecured medical financing for healthcare expenses, offering loan amounts from ₹10,000 to ₹10,00,000 with tenures of 3-60 months. Covers emergency clinic admissions, surgeries, diagnostic scans, ICU costs, prescriptions, and home healthcare with same-day disbursement. For individuals facing medical emergencies.
- Business Loan Business financing facilitated through partner lenders, covering loan amounts from ₹2 lakh to ₹50 lakh for working capital, expansion, operational expenses, and equipment purchase. For self-employed professionals and small business owners.
- Home Loan Home financing through partner lenders available up to ₹2 crore for property purchase, construction, or home-related expenses. For individuals seeking home financing.
- Education Loan Education financing through partner lenders covering amounts from ₹2 lakh to ₹2 crore for studies in India or overseas. For students and parents seeking education financing.
- Car Loan Vehicle financing for purchasing new cars through partner lenders with funding options up to 100% of vehicle cost. For individuals purchasing vehicles.
- Electric Vehicle Loan Financing for electric vehicles (e-scooters, e-bikes, entry-level electric cars) up to ₹2 lakh with tenures of 6-36 months. Features instant approval, no collateral, and minimal documentation. For individuals purchasing electric vehicles.
- Credit Card Credit card application facilitation through partner banks and issuers, offering fast approval and card selection assistance. For individuals seeking credit cards.
- Loans Against Property Secured loans facilitated through partner lenders using residential or commercial property as collateral. For property owners seeking larger loan amounts.
- Loans Against Mutual Funds Secured loan product where mutual fund holdings serve as collateral, facilitated through partner lenders on the platform. For investors seeking liquidity without selling mutual fund holdings.
- Gold Plan Premium subscription at ₹99/month offering advanced platform features, priority customer support, personalized loan eligibility analysis across 100+ lenders, and detailed credit reports. Includes a 7-day trial at ₹19. For users seeking enhanced services and priority support.
- Platinum Plan Premium subscription at ₹199/month including all Gold Plan features plus 12 months of uninterrupted platform access, detailed credit improvement health report, and VIP customer support with faster resolution timelines. Includes a 7-day trial at ₹39. For users seeking maximum service level.
- Credit Improvement Plan (CIP) Advisory and educational service to help users understand, monitor, and improve their credit health. Offered in three tiers: Basic (₹299/month, 30 days), Standard (₹1,199/6 months), and Premium (₹1,499/year, 365 days). Includes credit health reports from Experian, personalized guidance, monthly tracking, relationship manager support, and assured loan offers from lending partners. For users seeking to improve creditworthiness.
Quantifiable outcome
- 2M+ users trusted the platform
- +2 more outcomes
Companies that use Swipeloan
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles3 records
Swipeloan technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability2 records
Feature4 records
Swipeloan partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- ExperiancoreCredit bureau partnership providing credit scores and detailed credit reports to SwipeLoan users. Experian data is used for credit assessment, Credit Improvement Plan reports, and loan eligibility determination. Data is accessed through authorized tools and algorithms with explicit user consent.
- KGIL Fintech Solutions Private LimitedcoreParent company and legal entity operating the SwipeLoan platform. KGIL Fintech Solutions Private Limited (CIN: U70200PN2024PTC231463) is a lending service provider registered in Pune, India, governed by RBI Digital Lending Directions 2025.
- Google Play StorecoreMobile app distribution partnership through Google Play Store where SwipeLoan's Android application is available for download.
- Apple App StorecoreMobile app distribution partnership through Apple App Store where SwipeLoan's iOS application is available for download.
- Credit Bureaus (CIBIL, Experian)corePartnership with authorized credit bureaus for credit score access and credit health monitoring services provided to users through CIP and premium subscription plans.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
Swipeloan competitors and assessment
Company assessmentDirect peers
- Paisabazaar: India's largest online loan and credit-card marketplace, directly comparable as a multi-lender aggregator connecting borrowers with banks and NBFCs across personal, home, business, and credit-card products.
- BankBazaar: Loan and credit-card comparison marketplace operating in India with a comparable lender-aggregation business model across personal, home, and business loans.
- Fibe (formerly CASHe): India-based digital lending platform offering personal credit, salary advances, and small-ticket loans via partner NBFCs — competes in the same instant-personal-loan category.
- KreditBee: Mobile-first digital lending platform serving salaried and self-employed borrowers in India through partner NBFCs; directly comparable use cases and target segments.
- MoneyTap: Personal line-of-credit product offered in partnership with RBI-registered lenders; closely comparable instant-credit marketplace proposition to SwipeLoan's personal loan vertical.
- EarlySalary: India-based salary-advance and personal-credit platform that lends/facilitates through NBFC partners, targeting the same salaried and young professional borrower base.
- LazyPay: BNPL and short-term credit product from PayU targeting salaried and consumer-credit borrowers in India — overlapping use cases (emergency/short-term personal credit) and a partner-bank-led model.
- ZestMoney: Digital consumer-credit platform in India offering EMI and personal-loan products through partner lenders; comparable funnel and target customer as SwipeLoan.
Broad incumbents
- PB Fintech (PolicyBazaar/Paisabazaar parent): Public-listed parent of Paisabazaar, operating a much broader financial-product marketplace (insurance, loans, credit cards) with greater lender breadth and marketing scale than SwipeLoan.
- Dhani Loans (Indiabulls): Diversified digital lender and consumer-credit platform in India offering personal loans, credit lines, and cards — overlaps with SwipeLoan's product set but operates a balance-sheet model rather than pure aggregation.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Swipeloan social profiles
Digital presenceSwipeloan compliance and trust
Trust signalCompliance5 records
Swipeloan financial estimates
Financial estimateRevenue estimate
Valuation estimate
Swipeloan leadership team
Management profileNumber of profiles
Profiles1 record
Swipeloan funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Swipeloan 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 Swipeloan
What does Swipeloan do?
SwipeLoan operates as a digital lending marketplace that connects individual borrowers with 100+ RBI-registered lending partners (banks and NBFCs). The platform uses an AI-powered matching engine to deliver personalized loan offers across personal, business, medical, home, education, car, EV, and credit card categories, with a fully online, paperless application process featuring digital KYC and same-day disbursal. The company also offers paid subscription plans (Gold, Platinum, Credit Improvement Plan) providing credit health monitoring, advisory services, and priority support.
Is Swipeloan a public or private company?
Swipeloan is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Swipeloan founded?
Swipeloan was founded in 2024. It employs 1 to 10 people.
Where is Swipeloan based?
Swipeloan is headquartered in Pune, India, in the Asia region.
How does Swipeloan make money?
Three revenue lines are on record. Subscription Services - Credit Improvement Plan (CIP) is the primary driver. The others are premium Subscription Plans and loan Facilitation/Referral Fees.
Who are Swipeloan's main competitors?
Direct peers on record are Paisabazaar, BankBazaar, Fibe (formerly CASHe), KreditBee, MoneyTap, EarlySalary, LazyPay and ZestMoney. Broad incumbents are PB Fintech (PolicyBazaar/Paisabazaar parent) and Dhani Loans (Indiabulls).
Does Swipeloan have an API?
No public API is recorded for Swipeloan.
What industry is Swipeloan in?
Swipeloan's product category is Digital Lending Marketplace. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching), with a secondary code of FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 522310 and its SIC code is 6163.