50Fin

At 50Fin, we function as a secured lending platform with a mission to democratize and digitize capital markets lending, specifically catering to the needs of Indian investors. The core objective is to make borrowing more accessible, inclusive, and affordable. The primary offering, Loans Against Securities (LAS), enables investors to harness the potential of their investments without resorting to liquidation

Investors retain ownership of their assets, such as mutual funds, stocks, ULIPs, and bonds, while still unlocking liquidity to meet their financial requirements with flexibility and control.​​​​At 50Fin, we function as a secured lending platform with a mission to democratize and digitize capital markets lending, specifically catering to the needs of Indian investors. The core objective is to make borrowing more accessible, inclusive, and affordable. The primary offering, Loans Against Securities (LAS), enables investors to harness the potential of their investments without resorting to liquidation. Investors retain ownership of their assets, such as mutual funds, stocks, ULIPs, and bonds, while still unlocking liquidity to meet their financial requirements with flexibility and control.

Core Products and Services

• Loans Against Securities (LAS): Instant loans secured by mutual funds, shares, and other investment assets.

• Fully Digital Loan Processing: A streamlined process that completes loan disbursement within seven minutes.

• Flexible Repayment Options: Borrowers pay only interest during the loan tenure with no prepayment penalties.

• B2B LAS Solutions: Enabling banks and NBFCs to digitize their LAS offerings through 50Fin’s technology platform.

Unique Value Proposition

50Fin stands out by offering paperless, instant loans without requiring CIBIL checks, allowing customers to access liquidity while retaining their investment portfolios. This approach addresses a significant gap in the Indian market, where leveraging securities for credit has traditionally been limited to high-net-worth individuals (HNIs).

Business Model & Revenue Streams

50Fin operates on a robust fintech business model that leverages technology to provide asset-backed loans efficiently. Its primary revenue streams include:

Interest Income

• The core revenue driver is interest charged on loans disbursed against securities. With competitive rates starting at 10.5%, this constitutes a significant portion of the company’s income.

Processing Fees

• A one-time processing fee is charged for each loan transaction, adding an additional revenue stream.

B2B SaaS Solutions

• 50Fin offers its proprietary technology platform to banks and NBFCs, enabling them to digitize their LAS operations. This generates revenue through licensing fees or commissions.

Strategic Partnerships

• Collaborations with asset management companies (AMCs) and portfolio management services (PMS) generate additional income through referral fees or co-branded LAS products.

Customer Segmentation

• B2C (Retail Investors): Individuals seeking short-term liquidity without liquidating their mutual funds or shares.

• B2B (Banks & NBFCs): Financial institutions leveraging 50Fin’s technology platform to automate their LAS offerings.

Growth Strategy

1. Market Expansion:

   • Focused on penetrating Tier 2 and Tier 3 cities to serve retail investors who previously lacked access to secured credit options.

2. Product Diversification:

   • Plans to expand its LAS offerings to include insurance policies, digital gold, and real estate as collateral options.

3. Technology Integration:

   • Continued investment in embedded solutions to enhance user experience and operational efficiency.

4. Strategic Partnerships:

   • Strengthening alliances with AMCs, PMS providers, and financial institutions to broaden its reach.

5. Profitability Focus:

   • On track to achieve profitability within the next 12–16 months by scaling operations and optimizing costs.