Whizdm Finance (Moneyview): India’s Fast And Fully Digital Lending Platform

Introduction To WhizDm Finance Private Limited (Moneyview)

WhizDm Finance Private Limited, widely known by its consumer brand Moneyview, is an ‘A-’ rated NBFC recognised by India Ratings for its stable financial profile and disciplined lending approach. The company focuses on providing unsecured personal loans to both salaried and self-employed individuals, offering fast, digital-first access to credit across income groups. 

With its strong underwriting models, streamlined processes, and data-driven decision-making, Moneyview has positioned itself as a trusted credit partner for borrowers across the country. Its ability to deliver customised loan solutions with minimal paperwork has helped it build a loyal and expanding customer base.

Moneyview has grown into a PAN-India lending platform, reaching borrowers across 36 states and union territories. This wide presence is supported by its strong financial backing, having raised over INR 1,500 crore from leading global and domestic investors such as Accel India, Ribbit Capital, Tiger Global, Internet Fund, Apis Growth, DMI Investments, Lok Capital and Stride Ventures. 

The Company further strengthens its lending capabilities through partnerships with respected financial institutions including Kotak Mahindra, Yes Bank, Axis Bank, AU Small Finance Bank, IDFC First Bank, IDBI Capital, Northern Arc, MAS, Vivriti, TATA Capital, InCred and others. With this blend of deep industry relationships, robust capital support and wide distribution, Moneyview stands out as a reliable and well-supported player in India’s fast-growing digital lending space.

Board Of Directors Of WhizDm Finance Private Ltd.

Here is a list of the Board of Directors of WhizDm Finance Private Limited:

• Puneet Agarwal — Director 
• Sanjay Aggarwal — Chief Executive Officer / Director 
• Nagaraj Subrahmanya — Director
• Kavita Iyer — Director 
• Sandeep Bhandari — Director

Products Offered By WhizDm Finance Private Ltd.

WhizDm Finance (Moneyview) provides a suite of financial products designed to meet a wide range of needs — from short-term cash requirements to managing credit health and cash flow. Their offerings are fully digital, customer-friendly, and backed by strong technology and risk-assessment capabilities. Below are their key products and detailed explanations of each:

1. Personal Loan
Moneyview’s personal loan product allows users to borrow unsecured credit easily and quickly. Customers can apply for a loan amount ranging from INR 3,000 to INR 10 lakhs, all online without any collateral. The repayment tenure is flexible, giving borrowers the option to choose a period that aligns with their financial situation. The application process is designed to be fast and paperless — making it very convenient to access funds from the comfort of one’s home.

2. Business Loan
For small businesses or entrepreneurs, Moneyview offers business loans up to INR  10 lakhs (depending on which source is referenced, cut-offs may vary — for instance, different web pages mention up to INR 5 lakhs) for any business purpose, whether for capital expenditure or working capital. The repayment tenure can go up to 72 months, offering flexibility to manage cash flows. The product is collateral-free, and the approval and disbursal are designed to be quick, all via an end-to-end digital experience.

3. Smart Pay (Purchase Finance)
This is a purchase-finance product, allowing users to split their purchases into easy EMIs over 3, 6, 9 or 12 months.  Based on a user’s creditworthiness (evaluated by Moneyview), one can get a pre-approved credit limit of up to INR  5,00,000, which can be used for both online and offline shopping. This makes it easier for customers to manage larger purchases without paying the entire amount up front.

4. Credit Tracker
Moneyview offers a Credit Tracker, a tool to monitor and improve one’s credit health. Through this product, users receive free monthly credit reports, deep insights into their credit behaviour, and personalised tips to improve their score. This helps users stay informed about their creditworthiness, understand factors affecting their score, and take action to maintain or improve their credit profile.

5. Earned Wage Access (EWA)
This is a payroll-linked product where employees can access a portion of their earned wages before payday. The amount advanced is automatically repaid on the scheduled payday via the employer, making it a seamless and low-friction way to manage short-term cash flow needs. This helps users handle unexpected or urgent expenses without waiting for their full salary cycle.
Fast and Fully Digital Platform For Seamless Personal and Business Lending

WhizDm Finance Private Ltd. is positioned as a fast, fully digital platform that makes personal and business lending simple, accessible and seamless for users across India. The Company uses advanced technology and data-driven underwriting to offer quick approvals, minimal documentation and smooth disbursals, ensuring customers can access credit whenever they need it. With a strong PAN-India presence, WhizDm Finance Private Ltd. caters to both salaried and self-employed individuals, providing customised loan solutions for various financial needs. Its digital-first process reduces manual steps, shortens turnaround times and creates a stress-free borrowing experience. Along with personal and business loans, WhizDm Finance Private Ltd. also offers tools like credit score tracking and earned-wage access, helping users manage their finances more effectively. 

WhizDm Finance Private Ltd. Customer Care

For any queries or support, WhizDm Finance Private Ltd’s customer care team is here to help. You can reach them at 08069501313 or email : customercare@whizdmfinance.com

Key Strengths Of WhizDm Finance Private Ltd.

1. Strong Credit Rating and Institutional Backing

WhizDm Finance Private Limited holds a stable ‘A-’ credit rating from India Ratings, which reflects its disciplined lending practices, robust underwriting framework and well-managed financial profile. This rating strengthens confidence among stakeholders and demonstrates the Company’s ability to manage a large unsecured lending portfolio responsibly. In addition, the NBFC has raised INR 1,500 crore+ from leading global investors such as Accel, Ribbit Capital, Tiger Global, Internet Fund, Apis Growth, DMI Investments, Lok Capital and Stride Ventures. This strong capital backing ensures long-term business stability and supports continuous expansion across the country.

Moneyview also benefits from long-standing relationships with reputable financial institutions that co-lend or fund the Company’s lending book. These partnerships with Kotak Mahindra, Axis Bank, Yes Bank, IDFC First, AU Small Finance Bank, IDBI Capital, TATA Capital and others help diversify funding sources, lower borrowing costs and strengthen liquidity. 

Together, the high-quality investor base and banking partners provide a dependable foundation for growth in the digital lending space.

2. Advanced Digital Underwriting and Scalable Technology

A key strength of WhizDm Finance is its deep expertise in data-driven credit assessment. The Company uses advanced proprietary algorithms and alternative data models to evaluate borrower profiles, enabling it to underwrite unsecured personal loans with greater accuracy, even for individuals who may have limited credit histories. This technology-led process reduces default risk, improves customer selection and supports stable portfolio performance over time.

Its technology stack is built to handle high volumes, allowing Moneyview to scale lending operations seamlessly across India. With end-to-end digital journeys, automated decision-making and strong back-end system integration, customers can apply for loans, upload documents and receive approval without manual intervention. This operational efficiency not only improves turnaround time but also keeps cost structures lean, helping the Company maintain healthy unit economics.

3. Wide Distribution Network and Diverse Product Portfolio

Moneyview has a PAN-India footprint, reaching customers across 36 states and union territories, including deep penetration in Tier 2 and Tier 3 regions where access to formal credit is often limited. This extensive distribution enhances customer acquisition opportunities and allows the Company to serve a diverse borrower base with varying income levels and financial requirements.

The NBFC also offers a comprehensive range of financial products including personal loans, business loans, purchase finance (Smart Pay), credit tracker tools and earned-wage access solutions. This product diversity helps reduce reliance on a single revenue stream while strengthening customer engagement throughout different stages of their credit journey. By offering both credit access and credit-health tools, Moneyview positions itself as a full-service digital lending partner for emerging India.

Financial Snapshot WhizDm Finance Private Ltd.

As of March 2025, Moneyview’s assets under management stood at INR 3,933 crore, nearly doubling from INR 1,971 crore recorded in March 2024.

The Company recorded a GNPA of 1.9 percent and an NNPA of 0.48 percent as of March 2025, compared to 1.0 percent and 0.0 percent respectively in March 2024.


In FY25, the NBFC posted revenues of INR 879 crore, up from INR 355 crore in FY24, and reported a profit after tax margin of 9.2 percent, compared with 4.9 percent in the previous year.

Source: Financial performance presented above are based on audited financial statements for FY23 to FY25 and management information

To raise capital, WhizDm Finance Private Ltd. also provides secured loan opportunities. These loans are rated by credit rating agencies, with A- India rating to reflect the company’s creditworthiness. On Grip Invest, investors have accessed these loans with attractive fixed returns of up to 9% expected pre tax YTM. To explore similar rates, regulated, and secured fixed-income opportunities, sign up for Grip Invest today and start earning fixed returns:

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