Moneyview IPO

Moneyview IPO is a book-built issue worth ₹1,091.68 crore. The IPO consists of 2 parts: a fresh Issue of ₹750 crore and an offer for sale for ₹341.68 crore. The company plans to list its shares on both the NSE and BSE, with the listing expected on October 1, 2026. 

The Moneyview IPO will open for subscription on September 24, 2026, and close on September 28, 2026. The share allotment is expected to be completed on September 29, 2026. 

The price band for the IPO has been fixed at ₹32 to ₹34 per share. Investors can apply for a minimum of 441 shares, which is one lot. At the upper price of ₹34 per share, a retail investor would need to invest ₹14,994 to apply for one lot. 

Axis Capital Ltd. is the book-running lead manager for the IPO, while MUFG Intime India Pvt. Ltd. is the registrar.

About Moneyview

Moneyview is a consumer-focused, digital-only, credit-led financial services platform that offers tailor-made, personalised financial products delivered digitally and instantly. It operates with 0 physical branches, maintaining a pan-India reach supported by operating leverage and covering 99.04% of PIN codes. It delivers a full suite of financial products with transparent and responsible terms via its mobile application, utilizing a network of financial partners alongside its own NBFC subsidiary.

It has 140.28 Million registered users and 11.90 Million monetised users. The company processes ~2,00,000 Loan applications processed per day with minimal human intervention. It has ₹225,201.65 Million worth of Assets Under Management (AUM). 

Industry Outlook

This company operates in the Consumer Finance industry. 

• India’s retail lending market is projected to grow at 13-15% CAGR, from ₹76.6 trillion in FY2026 to ₹138-151 trillion by FY2031P.
• The credit-served population is expected to increase from around 533 million in FY2026 to 675-725 million by FY2031P, indicating significant room for expansion in formal lending.
• Unsecured lending is expected to grow at 17-19% CAGR between FY2026 and FY2031P, faster than the overall retail lending market.
• The personal loan segment is projected to reach ₹33-36 trillion by FY2031P, growing at around 18-20% CAGR during FY2026-FY2031P.
• Digital personal loans are projected to grow at 26-27% CAGR, driven by AI/ML-based underwriting, alternative data and faster digital loan processing.
• Tier 2 and smaller cities are expected to contribute around 65-70% of the growth in middle-income households, creating opportunities for lenders to expand their reach beyond major cities.
• Middle-income households are expected to increase from around 54% of total households in FY2026 to 57% by FY2031P, supporting higher spending and demand for consumer finance.
• India’s nominal GDP is projected to grow at around 9.5% CAGR between FY2026 and FY2031P, supported by rising private consumption and household credit.

Moneyview IPO Objectives

The company plans to use the net proceeds from the Fresh Issue of up to ₹750 crore to support its business growth.

1. ₹325 crore will be used to fund default loss guarantee (DLG) pools provided to lending partners, which will help support higher loan disbursals.
2. ₹180 crore will be invested in its subsidiary, Whizdm Finance Private Limited (WFPL), to strengthen its capital base and support future growth.
3. The remaining proceeds will be used for general corporate purposes, including business development and administrative expenses.

Financial Performance of Moneyview

Moneyview Peer Comparison

Strengths and Opportunities for Moneyview IPO

1. Moneyview reported the highest PBT among its digital lending platform peers in FY2025 and the strongest year-on-year PBT growth in the same year. Its annualised loss rate also declined from 7.93% in FY2024 to 6.95% in FY2026, despite the industry average remaining higher at 8.29% in FY2026.
2. Moneyview accounted for approximately 10.5% of digital unsecured personal loan sanctions and around 1.6% of overall unsecured personal loan sanctions in FY2026. It also reported the highest AUM among its digital lending platform peers in FY2025.
3. Registered Users increased from 83.27 million in FY2024 to 134.14 million in FY2026, representing a 26.92% CAGR. The user base further grew to 140.28 million as of June 30, 2026, providing a strong base for future monetisation.
4. Moneyview follows a technology- and AI-led operating model that enables a largely unassisted user journey and supports scalability and cost efficiency. Over 50% of its 798 employees were engaged in technology and data roles as of June 30, 2026.
5. Operating expenses as a percentage of total income declined consistently from 56.42% in FY2024 to 34.84% in FY2026, and further to 34.14% in Q1FY2027, indicating improving operating leverage.
6. The company has technical integrations with 48 financial partners, while its personal loan business had partnerships with 22 regulated entities as of June 30, 2026. This supports loan origination, disbursal, servicing and collections without requiring the company to fund the entire loan book.
7. Moneyview operates an LSP-led model for personal loans, supported by its network of financial partners. As of June 30, 2026, it managed ₹22,520 crore of outstanding personal loans, with its NBFC subsidiary contributing 25.12% of managed AUM.
8. Personal loan disbursals grew 31.08% in FY2026. Total income increased 43.13% to ₹3,404.27 crore, while restated profit before exceptional items and tax rose 67.29% to ₹534.01 crore.
9. The KMPs and senior management team have been with the company for an average of 7 years, while the company had 798 employees as of June 30, 2026. The management combines financial services and technology expertise, supporting product development and business execution.

Risks and Threats for Moneyview IPO

1. The company operates in a highly regulated financial services sector. Changes in regulations or regulatory action could increase compliance costs and affect its operations.
2. The company reported negative cash flows from operating activities in the three months ended June 30, 2025, and in FY2026, FY2025 and FY2024. This is partly because loan disbursals are recorded under operating activities, while borrowings used to fund these loans are classified under financing activities.
3. As the company expects its portfolio of loans to grow, it may continue to report negative operating cash flows.
4. Its material subsidiary, WFPL, is regulated by the RBI and is subject to liquidity risk management requirements. Non-compliance could lead to regulatory or penal action.
5. One of WFPL's non-convertible debenture issues was sold by successful applicants in the past, resulting in the number of security holders exceeding prescribed limits. This could expose the company to regulatory and penal action.
6. Cyberattacks, data breaches, privacy issues or failures in data security could disrupt operations, damage the company's reputation and result in financial losses.
7. The company's operations depend heavily on the availability and performance of its website, mobile application and technology platform. System failures or disruptions could affect transactions and user experience.
8. A significant portion of revenue comes from fees and commissions earned on financial products facilitated through its Financial Partners. A decline in transaction volumes or commission rates could affect revenue.
9. The company relies on payment infrastructure such as NACH and UPI for a substantial portion of repayment flows. Disruptions or regulatory changes affecting these systems could impact payment processing.
10. A ₹160 crore one-time performance incentive paid to the Managing Director and CEO reduced restated FY2026 profit by ₹119.73 crore after tax. This makes year-on-year profitability comparisons less straightforward.

Moneyview IPO Reservation

Moneyview IPO Promoter Holding

The promoters of the company are Sanjay Aggarwal, Sushma Abburi, and Puneet Agarwal. 

Note: Equity dilution will be determined by subtracting the Shareholding Post Issue from the Shareholding Pre Issue.

Moneyview IPO Registrar and Lead Managers

Moneyview IPO Lead Managers

1. Axis Capital Ltd.
2. BOFA Securities India Ltd.
3. IIFL Capital Services Ltd.
4. Kotak Mahindra Capital Co.Ltd.

Registrar for Moneyview IPO

• Name: MUFG Intime India Pvt.Ltd.
• Phone: 022-49186000
• Email ID: moneyview.ipo@in.mpms.mufg.com

How To Check the Allotment Status of the Moneyview IPO?

Steps to check IPO allotment status on Angel One’s app:

1. Log in to the Angel One app.
2. Go to the IPO Section and then to IPO Orders.
3. Select the individual IPO that you had applied for and check the allotment status.
4. Angel One will notify you of your IPO allotment status via push notification and email.

How To Apply for Moneyview IPO Online?

1. Login to Your Angel One Account: Open the Angel One app or website and log in with your credentials.
2. Locate the IPO Section: Navigate to the 'IPO' section on the platform.
3. Select IPO: Find and select the Moneyview IPO from the list of open IPOs.
4. Enter the Lot Size: Specify the number of lots you want to bid for.
5. Submit Your UPI ID: Enter your UPI ID to link your payment method and submit your application.
6. Approve Funds: Once you receive the bid request on your UPI app, approve it by entering your UPI PIN.

Contact Details of Moneyview IPO

• Address: 17/1, 1st and 2nd Floor, The Address Building, Outer Ring Road, Marathahalli, Kadubeesanahalli, Bangalore Urban, Karnataka, 560103
• Phone: 80 6765 0903
• Email ID: investor.relations@moneyview.in