Moneyview IPO
Moneyview IPO Details
-
Open Date
24 Sep 2026
-
Close Date
28 Sep 2026
- IPO Price Range
₹ 32 to ₹34
- IPO Size
₹ 1,091.68 Cr
Moneyview IPO Timeline
Last Updated: 21 September 2026 4:42 PM by 5paisa
Moneyview Limited is a consumer-focused, digital-only, credit-led financial services platform primarily serving India's middle-income households. Its flagship offering is personal loans, which are originated through its technology platform in partnership with financial institutions, including its lending subsidiary, Whizdm Finance Private Limited.
The platform has expanded beyond personal loans into products and services such as earned wage access, home loans and loans against property, credit cards, insurance, digital gold, fixed deposits and payments-related offerings. Moneyview uses technology, data analytics and AI/ML-based models across customer acquisition, underwriting, fraud detection and servicing.
As of 30 June 2026, Moneyview had 140.28 million registered users and 11.90 million monetised users. Its platform was integrated with 48 financial partners, while Managed AUM stood at approximately ₹22,520.17 crore.
Established in: 2014
Managing Director and CEO: Puneet Agarwal
Peers:
| Company | Face Value (₹) | Revenue From Operations (₹ Cr) | Diluted EPS (₹) | P/E (x) | RoNW (%) | NAV Per Share (₹) | CMP (₹) |
|---|---|---|---|---|---|---|---|
| Moneyview Limited | 1 | 3351.16 | 1.57 | 20.38–21.66 | 17.85 | 14.57 | – |
| OnEMI Technology Solutions Limited | 1 | 2179.25 | 21.39 | 16.62 | 20.96 | 113.05 | 355.60 |
| PB Fintech Limited | 2 | 6794.02 | 14.46 | 120.33 | 9.17 | 158.03 | 1740.00 |
| One97 Communications Limited | 1 | 8437.00 | 8.55 | 213.45 | 4.61 | 250.39 | 1825.00 |
| Bajaj Finance Limited | 1 | 81982.38 | 30.51 | 33.66 | 17.19 | 183.21 | 1027.00 |
| SBI Cards and Payment Services Limited | 10 | 19899.63 | 22.77 | 27.98 | 13.72 | 166.00 | 637.00 |
Moneyview Objectives
The Net Proceeds from the Fresh Issue are proposed to be used for:
1. Investment of approximately ₹325 crore to support growth in loan disbursals under Default Loss Guarantee arrangements.
2. Investment of approximately ₹250 crore in Whizdm Finance Private Limited, its material subsidiary, to augment its capital base.
3. Funding general corporate purposes.
The Company will not receive any proceeds from the Offer for Sale. The OFS proceeds will be received by the respective selling shareholders after deduction of applicable offer-related expenses and taxes.
Moneyview IPO Size
| Types | Size |
|---|---|
| Total IPO Size | ₹1,091.68 Cr |
| Offer For Sale | ₹341.68 Cr |
| Fresh Issue | ₹750.00 Cr |
Moneyview IPO Lot Size
| Application | Lots | Shares | Amount (₹) |
|---|---|---|---|
| Retail (Min) | 1 | 441 | 14112 |
| Retail (Max) | 13 | 5733 | 194922 |
| S-HNI (Min) | 14 | 6174 | 197568 |
| S-HNI (Max) | 66 | 29106 | 989604 |
| B-HNI (Min) | 67 | 29547 | 945504 |
| Particulars (In ₹ Crores) | FY24 | FY25 | FY26 |
| Revenue | 1342.37 | 2339.15 | 3351.16 |
| EBITDA | 328.70 | 697.98 | 968.92 |
| PAT | 171.15 | 240.28 | 242.71 |
| Particulars (In ₹ Crores) | FY24 | FY25 | FY26 |
| Total Assets | 3,519.50 | 5,632.42 | 8,104.85 |
| Share Capital | 37.43 | 40.56 | 40.36 |
| Total Liabilities | 1,912.86 | 3,713.76 | 5,879.43 |
| Cash Flows (₹ Crores) | FY24 | FY25 | FY26 |
| Net Cash Generated From / (used in) Operating Activities | (1632.74) | (1420.71) | (950.90) |
| Net Cash Generated From / (used in) Investing Activities | 452.21 | (135.30) | (230.85) |
| Net Cash Generated From / (used in) Financing Activities | 1517.81 | 1659.64 | 1647.79 |
| Net Increase (Decrease) in Cash and Cash Equivalents | 337.29 | 103.64 | 466.04 |
Strengths
1. Moneyview had 140.28 million registered users and 11.90 million monetised users as of 30 June 2026, providing it with a sizeable digital customer base.
2. Managed AUM reached approximately ₹22,520.17 crore as of 30 June 2026, after recording a CAGR of 28.81% between FY24 and FY26.
3. Revenue from operations increased from ₹1,342.37 crore in FY24 to ₹3,351.16 crore in FY26, while EBITDA rose from ₹328.70 crore to ₹968.92 crore.
4. The platform is integrated with 48 financial partners, enabling Moneyview to distribute and service multiple financial products through a technology-led model.
5. Its AI and machine-learning models use more than 100,000 data variables, while operating expenses as a proportion of total income declined from 56.42% in FY24 to 34.84% in FY26.
Weaknesses
1. Moneyview reported negative operating cash flows of ₹1,632.74 crore in FY24, ₹1,420.71 crore in FY25 and ₹950.90 crore in FY26.
2. Impairment of financial instruments as a percentage of average Managed AUM increased from 2.46% in FY24 to 4.51% in FY25 and 5.16% in FY26.
3. Revenue remains dependent on financial partners. The top 10 financial partners accounted for 37.36% of revenue in FY26, although this declined from 56.78% in FY24.
4. Personal loans remain the flagship product, while several of the Company's newer financial-product categories have a shorter operating history.
5. A cybersecurity incident at Whizdm Finance during FY26 resulted in an exceptional loss, net of tax, of approximately ₹34.91 crore.
Opportunities
1. Digital personal loans in India are projected to grow at a CAGR of approximately 26%–27% between FY26 and FY31, creating a larger addressable market for digital credit platforms.
2. Moneyview can increase monetisation of its large registered-user base by expanding the proportion of customers using credit and adjacent financial products.
3. Cross-selling opportunities exist across home loans, loans against property, credit cards, insurance, fixed deposits, digital gold and other financial services.
4. Approximately ₹325 crore of the Fresh Issue is proposed to support loan-disbursal growth under Default Loss Guarantee arrangements with financial partners.
5. The planned ₹250 crore investment in Whizdm Finance can strengthen the subsidiary's capital base and support further expansion of its lending operations.
Threats
1. Changes in regulations governing digital lending, Default Loss Guarantees, NBFCs, insurance distribution, payments and data protection could affect Moneyview's operating model.
2. Higher borrower defaults or deterioration in credit quality could increase impairment expenses and affect profitability.
3. Cybersecurity incidents, technology disruptions or failures involving third-party systems could expose the business to financial, operational and reputational risks.
4. Moneyview competes with banks, NBFCs and other fintech platforms for borrowers, financial partners and customer acquisition.
5.Dependence on external financial partners and funding sources could affect loan availability, pricing or business growth if partner appetite or liquidity conditions weaken.
1. Moneyview operates at scale, with 140.28 million registered users, 11.90 million monetised users and Managed AUM of approximately ₹22,520.17 crore as of 30 June 2026.
2. Revenue from operations increased from ₹1,342.37 crore in FY24 to ₹3,351.16 crore in FY26, while EBITDA increased from ₹328.70 crore to ₹968.92 crore.
3. The platform works with 48 financial partners and has expanded from personal loans into multiple credit and financial-service categories.
4. Technology-led underwriting and servicing, together with a decline in operating expenses as a proportion of total income, indicate increasing operating scale.
5. Fresh Issue proceeds are proposed to support DLG-backed loan disbursals and strengthen the capital base of Whizdm Finance, directly supporting the Company's lending ecosystem.
India's retail-credit market continues to expand alongside rising formalisation, digital adoption and broader access to financial services. Retail lending sanctions are projected to increase from approximately ₹65 trillion in FY25 to around ₹127–138 trillion by FY30, implying a projected CAGR of about 14%–16%. Within this market, unsecured lending is expected to grow faster, while digital personal loans are projected to register a CAGR of approximately 26%–27% between FY26 and FY31.
Moneyview operates primarily in this digital-credit segment, with a focus on middle-income customers and borrowers outside India's largest urban centres. Its scale of 140.28 million registered users, 48 financial partners and Managed AUM of approximately ₹22,520.17 crore provides an existing base for both credit growth and cross-selling of adjacent financial products.
The opportunity is accompanied by credit-quality, regulatory and cybersecurity risks. Moneyview's ability to expand while maintaining underwriting standards, partner relationships and operating efficiency will therefore remain important as the digital-lending market develops.
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FAQs
Moneyview IPO opens from 24 September 2026 to 28 September 2026.
The size of the Moneyview IPO is approximately ₹1,091.68 crore at the upper end of the price band. It comprises a Fresh Issue of ₹750 crore and an Offer for Sale aggregating to approximately ₹341.68 crore.
The price band of Moneyview IPO is fixed at ₹32 to ₹34 per share.
1. Login to your 5paisa demat account and select the issue in the current IPO section.
2. Enter the number of lots and the price at which you wish to apply for the Moneyview IPO.
3. Enter your UPI ID and click on submit. Your bid will then be placed with the exchange.
4. You will receive a mandate notification to block funds in your UPI app.
The minimum lot size is 441 shares. This requires an investment of ₹14,112 at the floor price of ₹32 per share.
The basis of allotment for the Moneyview IPO is expected to be finalised on 29 September 2026.
The Moneyview IPO is tentatively scheduled to list on BSE and NSE on 1 October 2026.
The book-running lead managers for the Moneyview IPO are:
1. Axis Capital Limited
2. BofA Securities India Limited
3. IIFL Capital Services Limited
4. Kotak Mahindra Capital Company Limited
The primary objectives of the Fresh Issue are:
1. Investment of approximately ₹325 crore to support growth in loan disbursals under Default Loss Guarantee arrangements.
2. Investment of approximately ₹250 crore in Whizdm Finance Private Limited to augment its capital base.
3. Funding general corporate purposes.