Moneyview - IPO Report

Moneyview is a technology-driven, full-stack digital financial-services platform focused on India's mass middle-class segment. It offers personal loans, credit cards, earned wage access, home loans, loans against property, insurance, digital gold, UPI transactions and bill payments through a fully digital journey. As of June 30, 2026, it had 140.28 million registered users and 11.90 million monetized users, supported by 48 financial partners, including its NBFC subsidiary.

The platform operates on a digital-only, pan-India model covering 99.04% of PIN codes without physical branches and processes nearly 200,000 loan applications per day with minimal human intervention. Its AI/ML-driven underwriting models analyse 100,000+ variables to assess customers and personalise financial products, while more than 50% of employees work in technology and data roles.

Personal lending remains the core business, with loan disbursals of ₹7,151.96 crore in Q1FY27 and Managed AUM of ₹22,520.17 crore as of June 30, 2026, up 27.18% YoY. Of the total AUM, ₹5,657.46 crore was on-book and ₹16,862.71 crore was off-book, reflecting its asset-light lending model.

The platform has a strong presence among its target "Middle India" segment, with 79.54% of monetized users residing in Tier-2 and beyond cities. As of June 30, 2026, monetized users had an average age of 32 years and average monthly income of ₹46,517.55, reflecting its focus on young, digitally connected and aspirational consumers.