Business Profile of Moneyview Limited
Moneyview Ltd. is a fintech company incorporated in India that provides digital financial services through its mobile platform. The company platform functions as a two-sided network, connecting their users seeking financial products with banks, NBFCs, insurers, and other financial institutions offering its products. The company operates a digital platform that provides personal loans, credit tracking, and financial management services. It uses data analytics and technology to assess creditworthiness and deliver quick loan approvals to customers. As of December 31, 2025, the company served 99.55% of pin codes across India with no physical branches, processing close to 200,000 loan applications per day with minimal human intervention.
Objective of Moneyview Limited IPO
As per the draft red hearing prospects, the IPO issue consists fresh issue and offer for sale. The fresh issue consists of XXXX shares at the face value of ₨1.00 each aggregating up to ₹ 15,000.00 million and OFS consists XXXX shares at face value of ₨ 1.00 each aggregating up to Rs XXXX million. There are fresh shares issues and OFS by company and main objective of company is drive growth in loan disbursals, investment in subsidiary and general corporate purposes.
Details of Moneyview Limited IPO
| IPO Open Date | N.A. |
| IPO Close Date | N.A. |
| Basis of Allotment | N.A. |
| Listing Date | N.A. |
| Face Value | ₹1.00 per share |
| Price | N.A. |
| Lot Size | N.A. |
| Total Issue Size | Up to XXXX Equity shares |
| Aggregating up to ₨ XXXX million. | |
| Fresh Issue | Up to XXXX Equity Shares |
| Aggregating up to ₨ XXXX million. | |
| Offer For Sale | Up to XXXX Equity Shares |
| Aggregating up to ₨ 15,000.00 million. | |
| Issue Type | Book Built Issue IPO |
| Listing At | BSE & NSE |
| QIB Shares Offered | Not more than 50% of the Net Issue |
| Retail Shares Offered | Not more than 35% of the Net Issue |
| NII (HNI) Shares Offered | Not less than 15% of the Net Issue |
Moneyview Limited IPO: Issue Price & Size
The issue price of MONEYVIEWLIMITED hasn’t been released yet. Upon releasing the dates, the investors can bid between those price ranges. The company has fresh issue and OFS aggregating up to ₹ XXXX million at the price of ₨XXXX.
Launch Date of Moneyview Limited IPO
The IPO opening date of MONEYVIEWLIMITED hasn’t been officially announced yet, upon the declaration of dates investor can bid for IPO.
Financial Statements of Moneyview Limited
| Particulars | Ended March 31 , 2025 |
Ended March 31 , 2024 |
Ended March 31 , 2023 |
| Income | |||
| Revenue from operations | |||
| -Fees and commission income | 14,867.98 | 10,153.77 | 5.952.32 |
| -Interest income | 7,890.46 | 3,008.33 | 448.14 |
| -Gain on derecognition of financial assets | 285.48 | 57.46 | – |
| Other operating income | 347.54 | 204.14 | 80.44 |
| Total revenue from operations | 23,391.46 | 13,423.70 | 6,480.90 |
| Other income | 393.831 | 468.71 | 289.31 |
| Total income | 23,785.29 | 13,892.41 | 6,770.21 |
| Expenses | |||
| Employee benefits expense | 2,224.56 | 1,570.52 | 1,248.88 |
| Finance costs | 3.698.21 | 1,255.38 | 237.21 |
| Depreciation and amortisation expense | 89.51 | 48.60 | 42.49 |
| Impairment of financial instruments | 6,677.30 | 2,527.17 | 399.30 |
| Other expenses | 7,903.60 | 6,507.71 | 3,225.49 |
| Total expenses | 20,593.18 | 11,909.38 | 5,153.37 |
| Restated profit before exceptional item and tax | 3,192.11 | 1,983.03 | 1,616.84 |
| Exceptional item , loss | – | – | – |
| Restated profit before tax | 3,192.11 | 1,983.03 | 1,616.84 |
Key financial ratios of Moneyview Limited
| Key Performance Indicators | Unit | March 31 , 2025 |
March 31 , 2024 |
March 31 , 2023 |
| Registered Users | Millions | 109.59 | 83.27 | 59.08 |
| Monetized Users | Millions | 7.45 | 4.62 | 2.15 |
| Loan Disbursals | Millions | 176,211.18 | 145,271.56 | 82,742.28 |
| Managed AUM | Millions | 167,151.41 | 128,848.26 | 76,440.46 |
| Total Income | Millions | 23,785.29 | 13,892.41 | 6,770.21 |
| Profit before exceptional item and tax | Millions | 3,192.11 | 1,983.03 | 1,616.84 |
| Profit for the period before exceptional item | Millions | 2,402.75 | 1,711.47 | 1,625.65 |
| Profit for the period | Millions | 2,402.75 | 1,711.47 | 1,625.65 |
| Net Worth | Millions | 19,186.64 | 16,066.44 | 13,142.72 |
| Return on Net worth | % | 12.52 | 10.65 | 12.37 |
Promoters & Shareholding Moneyview Limited IPO
As of date, according to the DRHP filed with SEBI promoters and promoter group have 79.74% shareholding in company.
| Name of Shareholder | No. of Equity Shares | % of total shareholding |
| Promoters & Promoter Group | 364,529,100 | 79.74 |
| Public | 17,638,069 | 3.86 |
| Shares held by Employee Trust | 75,000,000 | 16.40 |
| Total (A+B) | 457,167,169 | 100 |
Should You Subscribe To Moneyview Limited IPO
While investing or subscribing to any IPO, consider the investment rationales related to the company. Hence, here you can find out the strength of the company that will be its growth factors. And also check the risk factors that can affect the growth and operational efficiency of the company.
Competitive Strengths of Moneyview Limited IPO
Large growing user base
The company has and growing base of Registered Users that provides a firm foundation to support future growth. Their Registered Users increased from 59.08 million as of March 31, 2023 to 109.59 million as of March 31, 2025, representing a CAGR of 36.20%.The business model is designed around a self-reinforcing flywheel that drives sustainable growth and deep user engagement. This enables effective cross-selling across our financial product suite, increases user lifetime value, and further reinforces the network effects of our platform.
AI & Tech Capabilities Drive Scalable Growth
Their technology and AI led operating model enables company to offer a fully unassisted, seamless user journey, ensuring accessibility, scalability, and cost efficiency. As of December 31, 2025, more than 50% of workforce was engaged in technology and data roles, reflecting our sustained investment in building in-house capabilities. These investments have translated into improved operational efficiency.
Capital-Light Model with Diverse Partners
The company operates a capital-efficient model supported by deep technical integrations with 42 Financial Partners, enabling seamless distribution of our full suite of financial products. Their flagship personal loan offering, operate as an LSP and, as of December 31, 2025, had partnered with 22 REs, including our NBFC subsidiary WFPL, to facilitate loan origination and end-to-end servicing. As of December 31, 2025, they manage outstanding loans amounting to ₹198,148.20 million under their personal loan program.
Data-Centric Risk Evaluation
By leveraging technology, data, and product innovation, company offer a suite of personalized financial products that cater to a wide spectrum of users across diverse credit profiles, income levels, demographics, and financial needs. Their data-driven approach enables systematic user segmentation that goes beyond traditional credit bureau scores. They utilise a wide array of data sources to build a comprehensive understanding of each user and allow us to segment users with greater granularity than credit bureaus.
Risk Factors of Moneyview Limited IPO
User Growth & Monetization Risk
Their future growth depends on its ability to continue to attract new users and to monetize new and existing users. To achieve this, company must stay abreast of emerging user preferences, evolving user experience expectation and product trends that will appeal to existing and potential users. The success of company depends on ability to attract, engage and monetize new and existing users on platform. Any failure to do so could have an adverse impact on business, financial condition, cash flows and results of operations.
Financial Partner Concentration Risk
The company depends on cooperation with its Financial Partners. In the nine months period ended December 31, 2025 and Fiscals 2025, 2024 and 2023, top ten Financial Partners contributed to 37.31%, 46.82%, 56.78% and 70.45% of their revenue from operations, respectively. The business of company may be negatively affected if financial Partners do not continue their relationship with company, which could have an adverse impact on business, financial condition, cash flows, results of operations and prospects.
Regulatory & Compliance Risk
The digital financial services and lending industries in India are subject to extensive regulation. The company is subject to a stringent regulatory framework that may affect the flexibility of operations and increase compliance costs and any regulatory action against company and employees may result in penalties and/or sanctions that could have an adverse effect on business, prospects, financial condition and results of operations.
Competitive Pressure Remains Key Risk
The business of company is subject to intense competition, as India’s retail credit market has undergone a structural shift, supported by rising consumption demand, deeper digital penetration, and expanding access to formal credit. If company fail to compete successfully against existing or new competitors, which may cause to lose market share and reduce demand for company products and adversely impact their business & financial condition.
Moneyview Limited IPO Grey Market Premium
Grey market premium is the premium quoted over the IPO issue price. GMP shows that investors are ready to pay above the upper band of the IPO issue price. GMP is determined in the grey market as per the demand and supply of the shares in the primary market. A grey market is that unofficial ecosystem of unlisted companies’ stocks that start trading even before the launch of the IPO to the date of its listing.
Also Read: What is Grey Market Premium in IPO: How is GMP Calculated & Reliable
However, GMP is not a reliable factor, as it keeps fluctuating as per the demand and supply of shares in the primary market. There are numerous factors that affect the stock market in India and individual stock prices of different companies that are already listed and trading in the secondary market. However, for an IPO-bounded company, you can consider the GMP as the speculative listing price of the share
According to various online sources, the Grey Market Premium or GMP of the MONEYVIEW LIMITED is trading around Rs XX in the grey market. It means shares are trading at the upper band issue price of Rs XX with a premium in the grey market and may list around the same price.
