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Moneyview Achieves Remarkable Growth in FY25

Moneyview, an online credit platform, has demonstrated significant growth with a Focus Keyword of online credit solutions, following a 75% increase in revenue year-on-year for FY24. The firm maintained its impressive trajectory, achieving a 74% rise in revenue in FY25. Profits surged by 40% to reach Rs 240 crore during the year.

The revenue generated from operations climbed to Rs 2,339 crore in FY25, up from Rs 1,342.37 crore the previous year, as stated in the consolidated financial documents submitted to the Registrar of Companies (RoC).

Foundation and Services of Moneyview

Established in 2014 by Puneet Agarwal and Sanjay Aggarwal, Moneyview offers bespoke credit services, including instant personal loans, credit cards, BNPL, and financial management solutions in collaboration with partner lenders. Key lending partners comprise Aditya Birla Capital, Northern Arc, Vivriti Capital, and Oxyzo.

Revenue Sources and Financial Performance

The principal revenue source for Moneyview stemmed from fees and commissions on loan disbursals, contributing over 63% of the total operating revenue, which escalated to Rs 1,486.8 crore in FY25. Interest on portfolio loans saw a growth of 2.6 times, reaching Rs 789 crore, while interest income derived from deposits and gains from financial assets added up to Rs 63.3 crore.

Additionally, the company accrued Rs 39.4 crore in non-operating income, which included net fair value gains on financial instruments, culminating in total income of Rs 2,738.5 crore in FY25.

Expenses and Financial Overview

For the fintech unicorn, impairment on portfolio loans and write-offs represented some of the largest expenses, amounting to Rs 346 crore in FY25, nearly tripling compared to the previous year, which included Rs 246 crore in write-offs. A notable expense was the Default Loss Guarantee (DLG), which totalled Rs 321.7 crore, representing provisions made to accommodate potential loan defaults under guarantee agreements with partner banks and NBFCs. Collectively, these costs accounted for over 32% of total expenses.

Advertising and promotional expenses held steady at Rs 426.5 crore in FY25, constituting over 20% of total expenses. The finance costs saw a nearly threefold increase to Rs 370 crore, mirroring a drastic rise in non-current borrowings, which surged to Rs 1,201 crore.

Employee benefit expenses climbed by 42% to Rs 222.5 crore in FY25, while costs related to outsourcing services and transaction processing were recorded at Rs 196.6 crore and Rs 51.7 crore, respectively. Other overheads, encompassing information technology, legal & professional fees, raised the overall expenses of the company to Rs 2,059.3 crore in FY25.

Profit Growth and Current Assets

This substantial increase enabled Moneyview to elevate its profit by over 40% to Rs 240.3 crore in FY25, in comparison to Rs 171.1 crore in FY24. On a unit-level basis, the company spent Rs 0.88 to generate a rupee in FY25.

By March 2025, Moneyview’s current assets were valued at Rs 4,198.4 crore, which included robust cash and bank balances of Rs 1,067.7 crore.

Funding and IPO Plans

According to startup data platforms, Moneyview has secured over $230 million from various investors, including Accel, Tiger Global, and Ribbit Capital. This amount encompassed $4.6 million from Accel and Nexus Venture Partners that aided in achieving unicorn status.

In June 2025, Moneyview transitioned into a public entity, signalling its intention to go public. The firm is reportedly aiming to raise over $400 million, approximately Rs 3,400 crore, through its initial public offering (IPO).

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