IPO Information Note II Moneyview files DRHP
Fintech unicorn Moneyview Limited files DRHP with SEBI
₹ 1,500 crore to be raised as fresh capital; with an OFS of 13.6 crore equity shares
Moneyview Limited, a consumer focused, digital only, credit-led Fintech platform catering to Middle India has filed the draft red herring prospectus (DRHP) with capital markets regulator SEBI to raise funds through an initial public offering (IPO). The Moneyview App provides access to a full suite of financial products across four core categories - Borrow, Transact, Invest and Protect, enabling users to meet their diverse financial needs on a single platform.
Moneyview, founded in 2014 by IIT Delhi graduates Puneet Agarwal, Managing Director & Chief Executive Officer and Sanjay Aggarwal, Executive Director & Chief Technology Officer is backed by marquee investors like Accel, Tiger Global, Ribbit Capital and others.
Moneyview is unique among new-age listed players with its proven track record of high growth and profitability. The Company has been profitable since Financial Year 2022 and has continued to strengthen its growth momentum, recording a 61% year-on-year increase in Profit Before Tax (PBT) in FY2025 compared to FY2024.
The company’s flagship product is Digital personal loan, which was launched in 2017 and continues to be a key driver of revenue, with Managed AUM of ₹19,814 crore as of December 31, 2025. As a leader in digital lending, Moneyview accounted for approximately 11% of total digital unsecured personal loan sanctions in FY2025 and reported the highest AUM in the digital unsecured personal loan segment (among unlisted peers). Reflecting this strong momentum, the Company reported revenue of ₹2,379 crore and net profit of ₹240 crore for FY2025.
Moneyview attributes its strong financial performance to its customer-first philosophy, strong technology and AI capabilities, and capital-light model with a diversified network of partners.
Moneyview delivers tailor made financial products to its users through a seamless digital experience, by harnessing the power of data, technology, and innovation. The platform has built a user base of over 125 million, growing at a CAGR of 36.20% with coverage across 99.55% of pin codes in India. Nearly 79% of its users are based in Tier 2 and beyond cities, with an average monthly income of ₹47,000 and an average age of 32 years, reflecting the Company’s strong reach and sustained engagement with Middle India.
Moneyview’s technology and AI-led operating model enables a fully unassisted and seamless user journey, driving accessibility, scalability, and cost efficiency. With over 50% of its workforce dedicated to technology and data roles, the Company has built significant operating leverage over time. As a result, operating expenses as a percentage of total income declined from 62.84% in Fiscal 2023 to 35.19% in the nine-month period ended December 31, 2025.
Moneyview’s capital-light lending model, supported by a diversified network of lending partners, enables it to scale efficiently while maintaining high capital efficiency. As of December 31, 2025, the Company had a Managed AUM of ₹19,814 crore and continues to demonstrate an improvement in profitability, with Return on Equity (ROE) at 15.9%.
Moneyview today offers a comprehensive suite of financial products including, credit cards, earned wage access, home loans, loans against property, insurance, digital gold, UPI transactions, and bill payments tailored to the evolving needs of Middle India. By combining repeat engagement with multi-product adoption, the Company is able to enhance user lifetime value and build deeper, long-term relationships with its users.
Moneyview reported revenue of ₹ 2,379 crore and a net profit of ₹ 240 crore in FY25. For the nine-month period ended December 31, 2025 (9MFY26), the Company recorded revenue of ₹2,409 crore and net profit (before exceptional items) of ₹245 crore, surpassing its full-year FY25 revenue and profit.
