Money View

Money View is a leading Indian fintech platform that provides a comprehensive suite of digital financial services, including personal loans, credit management, investment products, and expense tracking. Money View is headquartered in Bengaluru, Karnataka, and has rapidly scaled to serve over 200 million users across 200 cities in India, with a strong presence in Tier II and III cities.

Core Products and Services

Money View offers instant personal, home, and business loans, credit cards, fixed deposits, digital gold investments, motor insurance, and a free credit tracker. It also provides a smart money management app with expense tracking and UPI payments-all designed to simplify and enhance financial wellness for Indian consumers.

Business Model & Revenue Streams

• Loan Origination Fees & Commissions: The largest revenue stream comes from sourcing and processing fees collected from lending partners (NBFCs and banks) for disbursing personal, home, and business loans. These fees account for over 90% of the company’s revenue.

• Facilitation Charges: Borrowers pay facilitation fees for accessing instant loan services and other credit products.

• Investment Commissions: Money View earns commissions from mutual funds, fixed deposits, and digital gold investments made via its Green Account and other investment products.

• Interest Income: The company generates interest income from its own loan book and from funds held in escrow or investment accounts.

• Subscription & Service Fees: Additional revenue comes from premium features on its money management app, credit tracking tools, and value-added services.

Customer Segmentation

• B2C (Primary): Individual consumers seeking loans, credit cards, investment options, and personal finance management tools.

• B2B2C: Partnerships with NBFCs, banks, and financial institutions for loan distribution and co-branded financial products.

Growth Strategy

• Market Expansion: Aggressively targeting underserved segments in Tier II and III cities, with a focus on financial inclusion and regional language support.

• Product Innovation: Continuously enhancing its AI-driven credit scoring, expanding its product suite (e.g., insurance, gold, FDs), and improving user experience through automation and personalization.

• Strategic Partnerships: Collaborating with over 15 lending partners and multiple financial institutions to broaden product offerings and reach.

• Profitability Focus: Maintaining prudent cost control and operational efficiency to sustain profitability while scaling.

Conclusion

Money View is redefining digital financial services in India with its user-friendly, technology-driven platform that offers instant credit, comprehensive money management, and investment solutions. Its robust business model, rapid growth, and focus on financial inclusion make it a standout player and a compelling choice for investors, researchers, and industry professionals tracking the evolution of Indian fintech.