Moneyview’s IPO will comprise a fresh issue of shares worth ₹1,500 Cr and an offer for sale (OFS) of up to 13.61 Cr equity shares by existing shareholders
The net proceeds from the fresh issue will be used to support the growth of its lending business
The OFS will see cofounders and promoters Puneet Agarwal and Sanjay Aggarwal, along with investors like Accel, Ribbit Capital, Tiger Global, among others, sell their shares
Fintech unicorn Moneyview has filed its DRHP with the Securities and Exchange Board of India (SEBI) for an IPO.
The proposed IPO will comprise a fresh issue of shares worth ₹1,500 Cr and an offer for sale (OFS) of up to 13.61 Cr equity shares by existing shareholders.
The net proceeds from the fresh issue will be used to support the growth of its lending business. Of the ₹1,500 Cr, ₹650 Cr will be invested to drive growth in loan disbursals under default loss guarantee (DLG) arrangements and ₹450 Cr will be infused in NBFC subsidiary Whizdm Finance Pvt Ltd to augment its capital base.
The OFS will see cofounders and promoters Puneet Agarwal and Sanjay Aggarwal, along with investors like Accel, Ribbit Capital, Tiger Global, among others, sell their shares.
Founded in 2014, Moneyview runs a digital-first lending model that focuses on unsecured personal loans for underserved and new-to-credit customers. It partners with banks and NBFCs to originate loans through its app and website, while also lending from its own NBFC arm, Whizdm Finance.
The startup uses in-house credit scoring models and alternative data to assess borrowers, and earns revenue through interest income on loans disbursed from its own book as well as fees and commissions from partner-led loans.
Over time, it has expanded into adjacent financial products such as credit cards, BNPL and personal finance management tools to deepen user engagement and improve cross-sell.
Moneyview has raised over $250 Mn in funding to date from investors including Accel, Ribbit Capital, and Tiger Global, among others. The company entered the unicorn club in 2022 after a funding round that valued it at over $1 Bn, amid a broader surge in investor interest in India’s digital lending and fintech space.
As per the DRHP, Moneyview’s assets under management (AUM) stood at ₹19,814 Cr as of December 31, 2025.
In FY25, the company reported revenue of ₹2,379 Cr and a net profit of ₹240 Cr. For the nine months ended December 31, 2025, it posted revenue of ₹2,409 Cr and a net profit of ₹245 Cr, exceeding its full-year FY25 numbers.
Moneyview said it accounted for around 11% of total digital unsecured personal loan sanctions in FY25. The startup claims to have a user base of over 12.5 Cr, with nearly 79% of users coming from tier II and smaller cities.
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