Moneyview Ltd | IPO & Company Overview

About Moneyview Ltd. (Updated: September 21, 2026)

1. Company Overview

• Incorporation: 2014 (Operating Entity: Whizdm Innovations Pvt. Ltd. / Moneyview Limited).

• Headquarters: Bengaluru, Karnataka, India.

• Business Model: Consumer-focused, digital-only, credit-led fintech platform connecting users seeking financial solutions with banks, NBFCs, insurers, and financial institutions via a two-sided platform network.

• Core Target Audience: Middle India – providing seamless, technology-driven financial access.

• Valuation & Status: Indian Unicorn valued at approximately $1.2 Billion (prior to IPO).

• Key Promoters & Founders:

  • Puneet Agarwal (Co-Founder & CEO — Ex-McKinsey, Capital One, Google)

  • Sanjay Aggarwal (Co-Founder & Executive Director — Ex-Yahoo, Minglebox)

  • Sushma Abburi (Co-Founder & Head of Product/Operations)

2. Product Offerings & Ecosystem

Moneyview operates as a full-suite digital financial platform providing end-to-end user journeys:

• Personal Loans: Flagship credit product (collateral-free instant disbuarsement).

• Expanded Products:

  • Credit Cards & Earned Wage Access (EWA)

  • Insurance (Vehicle & Health/Term policies)

  • Digital Gold & Fixed Deposit investments

  • Financial Management, Credit Tracking, and Payments

3. Scale, Operations & Infrastructure

• Registered Base: Over 140.28 Million Registered Users (as of June 30, 2026).

• Partner Network: Capital-light distribution framework powered by 48 Financial Partners (Banks & NBFCs, including Whizdm Finance Pvt. Ltd.).

• Workforce: 1,933 Total Personnel (as of June 30, 2026)

  • 798 Permanent Employees

  • 1,135 Contract Employees

• Tech & AI Dominance: Over 50% of the workforce operates in core Technology and Data roles, driving AI-led unassisted risk scoring and fast loan approvals.

4. Competitive Strengths

1. Flywheel Growth Engine: Highly sticky, expanding user base driven by data-based user engagement.

2. AI & Data-Led Risk Scoring: In-house proprietary credit algorithms for accurate user segmentation and risk assessment.

3. Capital-Efficient Operations: Scalable, capital-light distribution infrastructure integrated directly with 48 institutional capital partners.

4. Strong Leadership: Experienced founding team with proven domain expertise in scaling large tech and financial platforms.

 Moneyview IPO details into clear, step-by-step categories for easy reading and analysis:

1. Key Highlights & Dates

• Price Band: ₹32 to ₹34 per equity share (Face Value: ₹1 per share)

• Total Issue Size: 32,10,82,435 shares (aggregating up to ₹1,091.68 Crore)

  • Fresh Issue: 22,05,88,235 shares (aggregating up to ₹750.00 Crore)

  • Offer For Sale (OFS): 10,04,94,200 shares (aggregating up to ₹341.68 Crore)

• Post-Issue Market Capitalization: ₹5,984.79 Crore (at upper price band)

3. Investor Application & Lot Sizes

• Minimum Lot: 441 Shares

Quota Allocation:

• Qualified Institutional Buyers (QIB): Not more than 50% of Net Offer

• Retail Category: Not less than 35% of Net Offer

• Non-Institutional Investors (NII/HNI): Not less than 15% of Net Offer

4. Objectives of the Issue

The net proceeds from the fresh issue (up to ₹750 Cr) will be utilized for:

1. Default Loss Guarantee (DLG): ₹325.00 Cr to support growth in loan disbursals under DLG arrangements.

2. Capital Augmentation: ₹250.00 Cr investment into Whizdm Finance Pvt. Ltd. (Material Subsidiary).

3. General Corporate Purposes: Rest of the proceeds allocated for operational growth.

5. Financial Summary & Valuations

Financial Track Record (₹ in Crore)

Valuation Metrics

• Pre-IPO EPS: ₹1.58 | Post-IPO EPS: ₹3.95

• Post-IPO P/E Ratio: 8.61x (at upper band)

• Price-to-Book Value (P/BV): 2.62x

• ROE (Return on Equity): 15.98% (as of Dec 31, 2025)

6. Shareholding & Promoters

• Promoters: Puneet Agarwal, Sanjay Aggarwal, and Sushma Abburi.

• Shareholding Split:

  • Promoter Group: 23.96% (Pre-IPO) $\to$ 20.33% (Post-IPO)

  • Public: 76.04% (Pre-IPO) $\to$ 79.67% (Post-IPO)

7. Key Entities & Registrars

• Lead Managers: Axis Capital Ltd., BofA Securities India Ltd., IIFL Capital Services Ltd., Kotak Mahindra Capital Co. Ltd.

• Registrar: MUFG Intime India Pvt. Ltd. (Phone: 022-49186000 | Email: moneyview.ipo@in.mpms.mufg.com)

  

  Puneet Agarwal

  Co-founder

  An IIT alumnus, Puneet started his career at Mckinsey. From there he moved to Capital One in the US, where he was directly involved in various new product development & payment solutions. He’s also worked with Google and was instrumental in driving the Gpay in its early years in the US. In 2014 he co-founded Moneyview with a vision to simplify access to credit for all Indians

  

  Sanjay Aggarwal

  Co-founder

  Sanjay comes with over two decades of experience in technology. He has worked with various IT companies, including Infosys, and helped scale their engineering & technology. He was working at Yahoo before starting his first venture, Mingle box, an ed-tech platform, and later on co-founded Moneyview along with Puneet. With a passion for technology, Sanjay has built infra for various web server layers, cloud systems, and network storage for Moneyview.

  • OUR MILESTONES

  2014

  

  Raised Series A funding

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