Volt Money

Volt Money is a digital platform that unlocks the value of financial assets like mutual funds, allowing retail investors to avail loans against them instantly. With a hassle-free process and an array of options, including overdrafts and term loans, customers can access cash loans, credit lines, affordable interest rates, and flexible EMIs, while keeping their financial assets intact. Join us on our mission to democratize credit and experience a fast, seamless, transparent, and secure lending process.

India's leading platform to offer instant loans against mutual funds & shares, making credit easily accessible to millions of Indians right when they need it in under 5 minutes.

Business Model & Revenue Streams

Volt Money operates on a secured lending model, leveraging mutual fund investments as collateral. Its business model is designed to provide flexible credit solutions while ensuring minimal risk through asset-backed loans.

1. Revenue Streams

• Interest Income: Volt generates revenue by charging interest on the borrowed amount. Interest rates start at 9% per annum and are calculated only on the utilized amount.

• Processing Fees: A nominal charge is applied for each loan transaction.

• Partnership Commissions: Collaborates with financial institutions like Bajaj Finance and fintech platforms such as PhonePe, earning revenue through shared services and integrations.

2. Customer Segmentation

• Primarily serves retail investors (B2C) who have mutual fund portfolios worth at least ₹50,000.

• Targets individuals aged 18–65 seeking liquidity for personal or professional needs without selling their investments.

3. Growth Strategy

• Market Expansion: Aims to capture India’s growing retail investor base by offering accessible credit solutions.

• Product Innovation: Introduces features like interest-only repayments and flexible withdrawal options to enhance customer convenience.

• Partnerships: Expands reach through collaborations with fintech ecosystems like PhonePe and lending institutions like Bajaj Finance.

Customer-Centric Approach: Focuses on providing a frictionless digital experience to attract tech-savvy users.