Online credit platform Moneyview continued its robust growth trend after reporting a 74% YoY increase in sales in FY25, following a 75% YoY gain in FY24. The Bangalore-based company's earnings increased by 40% to Rs 240 crore during the course of the year.

Key Highlights

• Moneyview posted ₹240 crore net profit for FY25, a ~40% increase year-on-year. 
• Revenue surged 74% to approximately ₹2,339 crore in FY25, sustained by fee and interest income.

According to its consolidated financial accounts submitted to the Registrar of Companies (RoC), Moneyview's operating revenue increased from Rs 1,342.37 crore to Rs 2,339 crore in FY25.

Moneyview, which was founded in 2014 by Puneet Agarwal and Sanjay Aggarwal, offers individualized credit products through partner lenders, including fast personal loans, credit cards, BNPL, and financial management tools. Aditya Birla Capital, Northern Arc, Vivriti Capital, and Oxyzo are a few of its loan partners.

Over 63% of MoneyView's total operational revenue, which rose to Rs 1,486.8 crore in FY25, came from fees and commissions on loan disbursements. This was the company's main source of income. Interest revenue from deposits and gains from financial assets added an additional Rs 63.3 crore, while interest on portfolio loans increased 2.6 times to Rs 789 crore.

In FY25, the company's total income was Rs 2,738.5 crore after earning Rs 39.4 crore in non-operating income, which included net fair value gains on financial instruments.

Impairment on portfolio loans and write-offs, which totaled Rs 346 crore in FY25—nearly three times greater than the previous year—were among the fintech unicorn's biggest costs. This included write-offs of Rs 246 crore. The Rs 321.7 crore Default Loss Guarantee (DLG) expense, which is the sum set aside to cover possible loan defaults under guarantee agreements with partner banks and NBFCs, was another significant expense. When combined, these expenses made up more than 32% of all costs.

In FY25, advertising and promotion costs was constant at Rs 426.5 crore, making up more than 20% of total expenditures. Alongside a comparable growth in non-current borrowings, which reached Rs 1,201 crore during the year, finance charges also nearly tripled to Rs 370 crore.

In FY25, outsourcing service costs and transaction processing costs were Rs 196.6 crore and Rs 51.7 crore, respectively, while employee benefit expenses increased 42% to Rs 222.5 crore. In FY25, the company's total expenses were Rs 2,059.3 crore due to additional overheads such as information technology and legal and professional fees.

Moneyview's earnings increased by more than 40% to Rs 240.3 crore in FY25 from Rs 171.1 crore in FY24 thanks to the large scale-up. In FY25, the company spent Rs 0.88 per rupee.

Moneyview had Rs 4,198.4 crore in current assets as of March 2025, comprising Rs 1,067.7 crore in healthy cash and bank deposits.

Also Read: Lending Firm Moneyview Set to Go Public, Joins India's IPO Momentum

TheKredible, a startup data platform, reports that the company has raised over $230 million from investors in several rounds, including Accel, Tiger Global, and Ribbit Capital. Accel and Nexus Venture Partners contributed $4.6 million, which helped the company become a unicorn.

Moneyview announced its intention to go public by converting into a public business in June 2025. According to reports, the company intends to use its initial public offering (IPO) to generate more than $400 million, or roughly Rs 3,400 crore.