Moneyview的信贷导向应用赌注：自FY22以来盈利，提交15亿卢比IPO

做的是什么生意

Moneyview runs a consumer finance app offering personal loans, UPI payments, bill payments, credit cards, credit-score tracking and insurance; loans are disbursed digitally through its own NBFC Whizdm Finance and bank and NBFC partners.

启动资金：Became a unicorn in September 2024 after a fundraise involving Accel and Nexus Ventures (Entrepreneur India); the March 2026 DRHP seeks ₹1,500 Cr through a fresh issue plus a ₹300 Cr pre-IPO placement.

起因

Moneyview was founded in 2014 in Bengaluru by IIT Delhi graduates Puneet Agarwal (MD and CEO) and Sanjay Aggarwal (executive director and CTO). The pair built the Moneyview app as a consumer finance product and launched its flagship digital personal loans in 2017, betting that a broad base of financially active app users could be converted into borrowers without branches or paperwork.

经过

Moneyview scaled through bank and NBFC partnerships while keeping its own NBFC arm, Whizdm Finance. It has been profitable since FY22: FY25 revenue was ₹2,379 Cr with net profit of ₹240 Cr, and in the nine months ended December 2025 revenue reached ₹2,409 Cr with net profit of ₹245 Cr, already beating the full previous year. Operating expenses fell from 62.84% of total income in FY23 to 35.19% in the nine months ended December 2025, AUM stood at ₹19,814 Cr, and the company claimed roughly 11% of digital unsecured personal-loan sanctions in FY25. It became a unicorn in September 2024 in a round involving Accel and Nexus Ventures, the same period it acquired earned-wage-access platform Jify.

可借鉴之处

免费提供产品以拥有客户关系：理财应用以低成本获取用户数据和信任，然后将这种关系转化为盈利性贷款。