IPOVEST PRO

Moneyview IPO

Mainboard • Equity • Fresh capital cum OFS

Moneyview logo
LISTEDMAINBOARDEquity

Moneyview

Price band
₹32 – ₹34
Lot size
441 shares
Min investment
₹14,994
Issue size
₹1,091.68 Cr

About the company

Moneyview Ltd was started in 2014. It is a fintech company that provides financial services through its mobile platform, aimed at individuals rather than businesses. Its flagship product is the personal loan, alongside credit tracking and money management tools. The platform works as a two-sided network. On one side are users looking for financial products, and on the other are banks, non-banking finance companies, insurers and other institutions offering them. The company sits in between, using data analytics and technology to judge creditworthiness and give quick loan decisions. As on 30 June 2026 it had 140.28 million registered users and 48 financial partners connected to the network. It describes its focus as serving the credit needs of middle India, meaning borrowers who are not well served by traditional banks. It has widened beyond lending into insurance, credit cards, digital gold, payments and earned wage access, which lets an employee draw part of a salary already earned before payday. Its operating model is technology and AI led, with an unassisted user journey, so a customer completes the process without a branch or an agent.

Moneyview Ltd is a fintech running a digital lending and financial services platform, with personal loans as its flagship product. As on 30 June 2026 it had 140.28 million registered users and 48 financial partners, and has extended into insurance, credit cards, digital gold, payments and earned wage access.

IPO details

Issue price
₹34
Price band
₹32 – ₹34
Face value
₹1
Lot size
441
Min investment
₹14,994
Issue size
₹1,091.68 Cr
Sale type
Fresh capital cum OFS
Listing on
BSE, NSE
BSE scrip code
7995
NSE symbol
MONEYVIEW.NS

Lot size & investment by category

APPLICATIONLOTSSHARESAMOUNT
Retail (Min)1441₹14,994
Retail (Max)135,733₹1,94,922
S-HNI (Min)146,174₹2,09,916
B-HNI (Min)6729,547₹10,04,598

Investor reservation

CATEGORYRESERVED
QIB16,05,41,216 shares (50.00% of the Offer)
NII4,81,62,366 shares (15.00% of the Offer)
Retail11,23,78,853 shares (35.00% of the Offer)

Objects of the issue

1Investment to drive growth in loan disbursals under default loss guarantee (DLG) arrangements325.00
2Investment in WFPL, the Material Subsidiary, for the purpose of augmenting its capital base250.00
3General corporate purposes

Financials

Rs. Crore • restated
METRIC30 Jun 202631 Mar 202630 Jun 202531 Mar 202531 Mar 2024
Assets8,641.898,104.856,404.825,632.423,519.50
Total Income1,065.093,404.27702.922,378.531,389.24
Profit After Tax173.80242.7167.15240.28171.15
EBITDA424.28968.92225.56697.98328.70
NET Worth2,415.202,225.421,991.011,918.661,606.64
Reserves and Surplus2,374.842,185.061,950.451,878.101,569.21
Total Borrowing5,484.765,157.044,070.143,413.371,708.92

Key performance indicators

P/E Ratio
8.61
EPS (₹)
3.95
RoE
15.98%
RoNW
9.67%
NAV (₹)
14.67

✓ Strengths

• Sales have grown very fast, from Rs 1,389.24 crore in FY2024 to Rs 2,378.53 crore in FY2025 and Rs 3,404.27 crore in FY2026.
• EBITDA has almost tripled over the same period, from Rs 328.70 crore to Rs 968.92 crore.
• The most recent quarter is much stronger than the year before. Profit after tax was Rs 173.80 crore in the three months to 30 June 2026 against Rs 67.15 crore in the same quarter a year earlier.
• The issue is priced at about 8.61 times earnings on an EPS of Rs 3.95, which is low for a company growing at this rate.
• The user base is very large at 140.28 million registered users, with 48 financial partners integrated into the platform.
• It has broadened beyond personal loans into insurance, credit cards, digital gold, payments and earned wage access, so it is not dependent on one product.
• Net worth is substantial at Rs 2,415.20 crore as on 30 June 2026.
• The technology led, unassisted model keeps the cost of serving each customer low compared with branch based lending.

⚠ Risks

• Borrowing is very large and growing fast, from Rs 1,708.92 crore in FY2024 to Rs 5,157.04 crore in FY2026 and Rs 5,484.76 crore by 30 June 2026, against a net worth of Rs 2,415.20 crore.
• Return on net worth is only 9.67%, which is modest for a lender carrying this much leverage.
• There is no controlling promoter. Promoter holding is only 23.96% before the issue and falls to 20.33% after it.
• Rs 325 crore of the issue funds loan growth under default loss guarantee arrangements. Under these the company absorbs the first loss on loans it arranges, so the credit risk stays with it and growth keeps consuming capital.
• Unsecured personal lending is the most cyclical part of credit. Defaults rise quickly when household incomes come under pressure, and this segment has no collateral to fall back on.
• Digital lending is closely regulated and the rules, including those on default loss guarantees, have changed more than once in recent years.
• This is a fresh issue combined with an offer for sale, so a part of the money goes to the selling shareholders and not to the company.
• Total assets have more than doubled in two years to Rs 8,641.89 crore, and a loan book that grows this fast has not yet been tested through a full credit cycle.

Promoters & holding

Puneet Agarwal, Sanjay Aggarwal and Sushma Abburi

Pre-issue promoter holding
23.96%
Post-issue promoter holding
20.33%

Promoters hold 23.96% before the issue and will hold 20.33% after it.

Data refreshed 07 Nov 2026, 04:51 pm IST. GMP is unofficial market sentiment, not investment advice.