Moneyview IPO DRHP seeks ₹1,500 crore fresh capital from market
Moneyview fintech platform reports strong revenue and profit growth
Hyderabad: Moneyview Limited, a consumer focused digital credit led fintech platform, has filed its draft red herring prospectus with the Securities and Exchange Board of India to raise funds through an initial public offering. The company plans to raise fresh capital of ₹1,500 crore while also offering 13.6 crore equity shares through an offer for sale.
Moneyview operates a digital platform that provides a full range of financial services. The Moneyview App offers products across four key categories: Borrow, Transact, Invest and Protect. Through this single platform, users can access services that address different financial needs.
The Bengaluru headquartered company was founded in 2014 by IIT Delhi graduates Puneet Agarwal, Managing Director and Chief Executive Officer, and Sanjay Aggarwal, Executive Director and Chief Technology Officer. The company has support from investors including Accel, Tiger Global, Ribbit Capital and others.
Moneyview said it has recorded strong growth and profitability in recent years. The company has remained profitable since Financial Year 2022. It also reported a 61 percent year on year increase in Profit Before Tax in FY2025 compared to FY2024. Meanwhile, revenue for FY2025 reached ₹2,379 crore, and net profit stood at ₹240 crore.
The company’s flagship product is its digital personal loan offering. Launched in 2017, it remains a key driver of revenue. As of December 31, 2025, the company reported a managed assets under management of ₹19,814 crore. In FY2025, Moneyview accounted for about 11 percent of total digital unsecured personal loan sanctions and also reported the highest AUM in the digital unsecured personal loan segment among unlisted peers.
The platform has built a user base of more than 125 million. It has expanded at a compound annual growth rate of 36.20 percent and now covers 99.55 percent of pin codes across India. Nearly 79 percent of users are located in Tier 2 cities and beyond. The company said the average monthly income of its users is ₹47,000 and the average age is 32 years.
Moneyview said its growth comes from its customer first approach, strong technology and AI capabilities, and capital light operating model supported by a wide network of partners. Its technology driven platform enables a fully unassisted and seamless user journey, which improves access, scale and cost efficiency.
More than half of the company’s workforce works in technology and data roles. As a result, operating expenses as a percentage of total income declined from 62.84 percent in Fiscal 2023 to 35.19 percent in the nine month period ending December 31, 2025.
For the nine month period ending December 31, 2025, the company reported revenue of ₹2,409 crore and net profit before exceptional items of ₹245 crore. This figure surpassed its full year FY2025 revenue and profit.
According to the draft prospectus, the IPO will include a fresh issue of equity shares worth up to ₹1,500 crore and an offer for sale of up to 13.6 crore equity shares by selling shareholders. These include promoter selling shareholders Puneet Agarwal and Sanjay Aggarwal, promoter group selling shareholder Chitra Agarwal, and investor selling shareholders including Internet Fund III Pte. Ltd., Accel India IV Mauritius Limited, Accel Growth IV Holdings Mauritius Ltd., Crimson Winter Limited, Lok Capital IV LLC, Lok Capital Co investment Trust, Ribbit Capital, Evolvence India Fund IV Limited, Apis Growth II Mimosa Pte. Ltd., NLI Strategic Venture Investment Limited, TI JPNIN India Holdco Ltd., TI Platform SMRS SMA L.P. and DI Investment LLC.
Moneyview said it plans to use the net proceeds from the fresh issue to fund growth in its financial services business. This includes ₹650 crore to drive loan disbursals under Default Loss Guarantee arrangements and ₹450 crore to invest in its subsidiary Whizdm Finance Private Limited to strengthen its capital base. The remaining amount will go toward general corporate purposes.
Axis Capital Limited, BofA Securities India Limited, IIFL Capital Services Limited and Kotak Mahindra Capital Company Limited are acting as the book running lead managers for the issue. The company plans to list its equity shares on the BSE and NSE.
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