Radar · Alternative Lending in Karnataka
Best Alternative Lending Companies in Karnataka, India
The 250 best Alternative Lending companies in Karnataka, India in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Perfios.
By Riya SenguptaFinancials
250companies tracked
$3.2Bdisclosed funding
5unicorns
110have raised
Ranked: Best Alternative Lending companies in Karnataka
| # | Company | Revenue | Disclosed funding | Employees | Founded | Tech stack | Revenue YoY | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Credit Saison Provider of diverse financial products and lending solutions for businesses and individuals 82Fin. health top 13%Moat top 20%Funding top 23%Market top 24% All 11 signals ▾Fin. healthtop 13% Moattop 20% Fundingtop 23% Markettop 24% Growthtop 27% Techtop 31% Producttop 33% Talentbottom 49% Innovationbottom 46% Globalbottom 37% Newsbottom 24% Fin. health: Revenue ~$320M (FY2021) · Net margin 39.8% Moat: Top 1% by revenue among 743 tracked Alternative Lending companies · Editorial + unicorn rating 8/10 rank vs industry peers · Fliar Intelligence Index 82/100 | $320M FY2025 | $144M | 1,547 1,547 → 1,319 (-15%) · sector median +27% | 2019 | Node.jsApexCharts.jsTailwind CSS+15 | +87% | — |
| 2 | Navi 🦄 Provider of financial products including UPI, loans, insurance, and mutual funds 78Customers top 10%Moat top 17%Innovation top 20%Market top 21% All 12 signals ▾Customerstop 10% Moattop 17% Innovationtop 20% Markettop 21% Fundingtop 21% Techtop 29% Producttop 37% Talenttop 38% Newstop 45% Fin. healthbottom 49% Growthbottom 40% Globalbottom 32% Customers: Play-Store rating 4.47★ across 5,633,904 ratings (1 apps) · Marquee-customer mentions: top 17% of tracked companies Moat: Top 1% by revenue among 743 tracked Payments companies · Editorial + unicorn rating 8/10 rank vs industry peers · Fliar Intelligence Index 78/100 | $318M FY2025 | $427M | 698 | 2012 | TypeScriptBootstrapAmazon Web Services+20 | -4% | 1 job opening · 2 awards |
| 3 | Moneyview 🦄 Provider of loans, credit cards, gold investment, insurance, and UPI 90Fin. health top 17%Moat top 17%Market top 18%Funding top 18% All 9 signals ▾Fin. healthtop 17% Moattop 17% Markettop 18% Fundingtop 18% Growthtop 27% Talenttop 34% Techtop 38% Globalbottom 39% Newsbottom 32% Fin. health: Revenue ~$281M (FY2023) · Net margin 9.2% Moat: Top 1% by revenue among 743 tracked Alternative Lending companies · Editorial + unicorn rating 9/10 rank vs industry peers · Fliar Intelligence Index 90/100 | $281M FY2025 | $220M | 582 582 → 1,248 (+114%) · sector median +27% | 2014 | Node.jsMUIReact+18 | +71% | 1 award |
| 4 | Perfios 🦄 Provider of AI-driven platform for financial analysis, verification, and decisioning 87Moat top 16%Fin. health top 20%Funding top 23%Talent top 23% All 10 signals ▾Moattop 16% Fin. healthtop 20% Fundingtop 23% Talenttop 23% Markettop 25% Producttop 36% Techtop 44% Growthtop 45% AItop 45% Globalbottom 48% Moat: Top 1% by revenue among 105 tracked Insurance IT companies · Unicorn Fin. health: Revenue ~$83.8M (FY2018) · Net margin 15.6% rank vs industry peers · Fliar Intelligence Index 87/100 | $84M FY2025 | $270M | — | 2008 | WordPressMySQLPHP+31 | — | 1 job opening |
| 5 | KreditBee 🦄 Platform providing personal loans, business loans, and loans against property 76News top 14%Moat top 18%Funding top 19%Market top 21% All 10 signals ▾Newstop 14% Moattop 18% Fundingtop 19% Markettop 21% Talenttop 28% Techtop 34% Fin. healthtop 35% Producttop 41% Growthbottom 39% Globalbottom 39% News: 9 BI events in 12 mo (of 79 tracked, 6 types) · +800% YoY Moat: Top 3% by revenue among 743 tracked Alternative Lending companies · Editorial + unicorn rating 8/10 rank vs industry peers · Fliar Intelligence Index 76/100 | $81M FY2025 | $256M | 592 | 2017 | ZohoFirebaseBootstrap+15 | -3% | 3 awards |
| 6 | axio Provider of an online lending platform offering point of sale financing 62Funding top 25%Moat top 25%Product top 30%Market top 33% All 11 signals ▾Fundingtop 25% Moattop 25% Producttop 30% Markettop 33% Customerstop 33% Innovationtop 34% Talenttop 38% Fin. healthbottom 48% Growthbottom 47% Techbottom 42% Globalbottom 39% Funding: Raised $232M across 13 rounds · 13 rounds over 12 yrs (1.1/yr) Moat: Top 15% by revenue among 616 tracked Consumer and SME Loans companies · Editorial + unicorn rating 8/10 rank vs industry peers · Fliar Intelligence Index 62/100 | $48M FY2025 | $232M | 344 344 → 497 (+44%) · sector median +27% | 2013 | WebflowApple iCloud MailGoogle Workspace+9 | +6% | 1 award |
| 7 | Avanti Provider of financial services focused on livelihood advancement for underserved communities | $47M FY2025 | $66M | 118 118 → 147 (+25%) · sector median +27% | 2016 | WebflowCloudflare TurnstileHSTS+11 | +57% | 1 award |
| 8 | Olyv A personal loan and financial solutions provider 80Growth top 22%News top 22%Fin. health top 23%Moat top 25% All 10 signals ▾Growthtop 22% Newstop 22% Fin. healthtop 23% Moattop 25% Fundingtop 26% Talenttop 28% Techtop 37% Markettop 48% Partnersbottom 49% Globalbottom 39% Growth: Revenue +41% YoY · Fresh capital in last 24 mo News: 6 BI events in 12 mo (of 10 tracked, 4 types) · +200% YoY rank vs industry peers · Fliar Intelligence Index 80/100 | $42M FY2025 | $27M | 16 | 2017 | WordPress Site EditorElementorWordPress+21 | +41% | — |
| 9 | Finnable Platform offering online personal loans with minimal documentation | $33M FY2025 | $6M | 1,370 1,370 → 979 (-29%) · sector median +27% | 2016 | WordPressMySQLPHP+26 | +52% | — |
| 10 | Perfios 🦄 Real-time credit-decisioning platform and data aggregation APIs 84Market top 10%Moat top 11%Talent top 17%Funding top 26% All 11 signals ▾Markettop 10% Moattop 11% Talenttop 17% Fundingtop 26% Innovationtop 29% Globaltop 29% Producttop 29% Newstop 44% Growthtop 49% Fin. healthbottom 49% Techbottom 33% Market: 1,063 employees (top 2% of Investment Tech) · Revenue ~$30.5M Moat: Top 6% by revenue among 363 tracked Banking Tech companies · Editorial + unicorn rating 9/10 rank vs industry peers · Fliar Intelligence Index 84/100 | $30M FY2023 | $450M | 1,063 | 2008 | — | — | — |
| 11 | WeRize Provider of credit insurance and savings products for small town families | $28M FY2025 | $28M | 1,066 1,066 → 798 (-25%) · sector median +27% | 2019 | WordPressMySQLPHP+29 | +62% | — |
| 12 | Simpl Provider of an online marketplace platform for purchase financing | $18M FY2024 | $83M | 147 | 2015 | GhostApple iCloud MailGoogle Workspace+13 | +48% | — |
| 13 | Rupeek Provider of secured loans using gold as collateral for individuals 76Tech top 21%Customers top 22%Moat top 23%Funding top 24% All 11 signals ▾Techtop 21% Customerstop 22% Moattop 23% Fundingtop 24% Talenttop 28% Producttop 32% Fin. healthtop 33% Markettop 34% Growthbottom 44% Globalbottom 39% Newsbottom 32% Tech: 52 technologies across 6/8 capability areas · Cloud: Amazon S3, Amazon Web Services Customers: Play-Store rating 5.00★ across 31,192 ratings (1 apps) · Review volume +2% in 6 mo rank vs industry peers · Fliar Intelligence Index 76/100 | $18M FY2025 | $194M | 641 | 2015 | TurbopackJSSNode.js+19 | +33% | 2 internships |
| 14 | Solv Marketplace platform offering multi-category products and services for businesses | $17M FY2024 | $40M | 391 | 2019 | Apple iCloud MailTypeScriptChart.js+11 | +60% | — |
| 15 | Vymo AI-based sales engagement for financial institutions | $14M FY2025 | $45M | 457 | 2013 | Tailwind CSSReactGatsby+13 | +12% | — |
| 16 | MoneyTap Developer of an app-based personal credit line for consumers | $14M FY2025 | $93M | 71 | 2015 | SentryGoogle Sign-inVue.js+26 | +5% | — |
| 17 | Propelld Provider of flexible digital education loans with customized repayment options for students 60Moat top 27%Talent top 28%Funding top 30%Tech top 35% All 9 signals ▾Moattop 27% Talenttop 28% Fundingtop 30% Techtop 35% Markettop 38% Growthtop 49% Fin. healthbottom 40% Globalbottom 39% Newsbottom 24% Moat: Top 12% by revenue among 743 tracked Alternative Lending companies · Editorial + unicorn rating 7/10 Talent: Analyst team rating 4/5 · 3 named leaders on record rank vs industry peers · Fliar Intelligence Index 60/100 | $12M FY2025 | $39M | 249 249 → 513 (+106%) · sector median +27% | 2017 | Cart FunctionalityAnt DesignReact+18 | +5% | — |
| 18 | Refyne Provider of earned wage access and financial wellness solutions 69Moat top 21%Tech top 28%Innovation top 33%Funding top 33% All 11 signals ▾Moattop 21% Techtop 28% Innovationtop 33% Fundingtop 33% Markettop 39% Producttop 42% Growthtop 43% Fin. healthtop 44% Talentbottom 49% Globalbottom 45% Newsbottom 24% Moat: Top 5% by revenue among 1371 tracked HRTech companies · Editorial + unicorn rating 8/10 Tech: 47 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 69/100 | $11M FY2025 | $106M | 150 150 → 194 (+29%) · sector median +27% | 2020 | WebflowApple iCloud MailGoogle Workspace+17 | — | — |
| 19 | FinBox Provider of infrastructure, risk intelligence, and orchestration solutions for digital lending 84AI top 20%Innovation top 22%Moat top 25%Tech top 27% All 13 signals ▾AItop 20% Innovationtop 22% Moattop 25% Techtop 27% Growthtop 28% Talenttop 28% Producttop 30% Partnerstop 32% Fundingtop 35% Markettop 42% Newstop 45% Fin. healthtop 49% Globalbottom 37% AI: Classified as an AI company Innovation: 5 new-product events in 24 mo · 12 product lines rank vs industry peers · Fliar Intelligence Index 84/100 | $9M FY2025 | $16M | 198 198 → 406 (+105%) · sector median +27% | 2015 | Sentrystyled-componentsReact+19 | +48% | 1 launch |
| 20 | GoodScore Provider of credit score tracking, analysis, and improvement plan services 69Customers top 8%Growth top 17%Moat top 28%Fin. health top 32% All 10 signals ▾Customerstop 8% Growthtop 17% Moattop 28% Fin. healthtop 32% Fundingtop 39% Markettop 46% Talentbottom 49% Productbottom 48% Globalbottom 45% Techbottom 37% Customers: Play-Store rating 5.00★ across 618,492 ratings (1 apps) Growth: Revenue +1483% YoY · App-install growth +184% YoY rank vs industry peers · Fliar Intelligence Index 69/100 | $6M FY2025 | $13M | — | 2023 | Node.jsTailwind CSSReact+10 | +1483% | 10 job openings |
| 21 | Edgro Fintech startup offering education financing services through student loans 74Growth top 9%Tech top 37%Moat top 37%Funding top 41% All 8 signals ▾Growthtop 9% Techtop 37% Moattop 37% Fundingtop 41% Fin. healthtop 42% Markettop 45% Globalbottom 37% Newsbottom 22% Growth: Revenue +539% YoY · Web rank 10,000,000 → 1,000,000 YoY Tech: 35 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 74/100 | $6M FY2025 | $25M | 45 | 2022 | EmotionAmazon Web ServicesSelect2+13 | +539% | — |
| 22 | Pocketly Provider of short-term personal loans to young professionals | $4M FY2025 | $1M | 149 149 → 165 (+11%) · sector median +27% | 2019 | BootstrapAmazon Web ServicesCloudflare+15 | +26% | 2 launchs |
| 23 | Velocity Provider of revenue-based financing and business tools for e-commerce businesses | $4M FY2025 | $30M | 171 171 → 419 (+145%) · sector median +27% | 2020 | WordPressMySQLPHP+21 | +55% | — |
| 24 | Bharat Housing Network Platform facilitating co-lending between institutions and affordable housing finance companies | $3M FY2025 | $15M | 73 | 2018 | — | +42% | — |
| 25 | Rupifi Provider of B2B credit and checkout solutions for SMEs 27Moat top 28%Talent top 28%Funding top 37%Market bottom 47% All 10 signals ▾Moattop 28% Talenttop 28% Fundingtop 37% Marketbottom 47% Productbottom 47% Globalbottom 39% Techbottom 35% Growthbottom 32% Fin. healthbottom 26% Newsbottom 21% Moat: Top 26% by revenue among 743 tracked Payments companies · Editorial + unicorn rating 7/10 Talent: 3 named leaders on record · 3 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 27/100 | $3M FY2025 | $34M | 122 | 2020 | SentryAmazon Web ServicesMicrosoft Clarity+6 | -27% | — |
| 26 | DPD Zero Provider of AI-powered platform for managing and optimizing debt collection | $3M FY2025 | $4M | 226 226 → 247 (+9%) · sector median +27% | 2022 | AstroAmazon Web ServicesCloudflare+14 | — | — |
| 27 | NIRA Online marketplace for personal loans | $3M FY2025 | $9M | 268 | 2017 | WixSentryBootstrap+12 | -53% | — |
| 28 | Niro Provider of a platform for lending as a service management | $3M FY2025 | $19M | 302 | 2021 | Node.jsReactNext.js+18 | -42% | — |
| 29 | CreditNirvana Provider of an AI/ML-driven debt management platform for financial institutions | $2M FY2025 | $2M | 50 50 → 120 (+140%) · sector median +27% | 2018 | WordPressApple iCloud MailGoogle Workspace+32 | +76% | — |
| 30 | Optimo Capital Provider of loan against property products for micro, small, and medium enterprises 62Growth top 26%Funding top 32%Fin. health top 36%Tech top 38% All 8 signals ▾Growthtop 26% Fundingtop 32% Fin. healthtop 36% Techtop 38% Moattop 45% Talentbottom 49% Globalbottom 45% Marketbottom 41% Growth: Revenue +5618% YoY · Web rank 5,000,000 → 10,000,000 YoY Funding: Raised $50.8M across 4 rounds · 4 rounds over 2 yrs (2.0/yr) rank vs industry peers · Fliar Intelligence Index 62/100 | $2M FY2025 | $51M | — | 2023 | TurbopackNode.jsRadix UI+16 | +5618% | 1 launch |
| 31 | KNAB Provider of financial services leveraging technology for lending solutions to customers | $1M FY2025 | $5M | 53 | 2015 | WordPressZohoMySQL+21 | +61% | — |
| 32 | VidyutTech Provider of platform offering electric vehicles financing 50Growth top 19%Moat top 36%Talent top 38%Funding top 44% All 8 signals ▾Growthtop 19% Moattop 36% Talenttop 38% Fundingtop 44% Techbottom 41% Marketbottom 40% Fin. healthbottom 40% Globalbottom 37% Growth: Headcount 37 → 119 (+222%) across vintages · Revenue +315% YoY Moat: Top 31% by revenue among 200 tracked Auto E-Commerce & Content companies · Editorial + unicorn rating 7/10 rank vs industry peers · Fliar Intelligence Index 50/100 | $1M FY2025 | $15M | 119 | 2021 | Webflow EcommerceWebflowYouTube+9 | +315% | — |
| 33 | InPrime Finserv Provider of financial services focused on priority sector lending in India | $1M FY2025 | $5M | 158 158 → 159 (+1%) · sector median +27% | 2021 | Radix UITailwind CSSshadcn/ui+15 | +577% | — |
| 34 | KarmaLife Provider of financial solutions enabling access to earned wages and credit 64Growth top 27%Talent top 28%Funding top 35%Tech top 35% All 10 signals ▾Growthtop 27% Talenttop 28% Fundingtop 35% Techtop 35% Moattop 38% Markettop 47% Productbottom 48% Globalbottom 39% Fin. healthbottom 39% Newsbottom 27% Growth: Headcount 54 → 76 (+41%) across vintages · Revenue +34% YoY Talent: 3 named leaders on record · 3 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 64/100 | $1M FY2025 | $9M | 76 76 → 79 (+4%) · sector median +27% | 2020 | FirebaseJSSEmotion+13 | +34% | — |
| 35 | Crediwatch Cloud-based business intelligence solution | $764K FY2025 | $6M | 33 33 → 44 (+33%) · sector median +27% | 2016 | Apple iCloud MailGoogle WorkspaceGoogle Sign-in+15 | +6% | — |
| 36 | Finsall Provider of financing solutions for insurance premiums through monthly installments 53Growth top 18%Talent top 35%Moat top 43%Funding top 45% All 10 signals ▾Growthtop 18% Talenttop 35% Moattop 43% Fundingtop 45% Fin. healthbottom 43% Productbottom 40% Marketbottom 37% Globalbottom 36% Techbottom 30% Newsbottom 22% Growth: Headcount 35 → 49 (+40%) across vintages · Revenue +108% YoY Talent: 4 named leaders on record rank vs industry peers · Fliar Intelligence Index 53/100 | $703K FY2025 | $4M | 49 49 → 76 (+55%) · sector median +27% | 2018 | Amazon Web ServicesSendinblueGoogle Workspace | +108% | 1 launch |
| 37 | MyShubhLife Provider of embedded finance platform offering loans for MSMEs and merchants | $499K FY2025 | $29M | 125 125 → 109 (-13%) · sector median +27% | 2016 | Amazon Web Servicescore-jsHotjar+6 | -83% | — |
| 38 | Oolka Provider of AI-powered credit management solutions, aiming to democratize access to credit and promote… 55Growth top 12%News top 19%Funding top 40%AI top 45% All 11 signals ▾Growthtop 12% Newstop 19% Fundingtop 40% AItop 45% Techtop 46% Talentbottom 49% Productbottom 48% Moatbottom 45% Fin. healthbottom 41% Globalbottom 37% Marketbottom 31% Growth: Revenue +1885967% YoY · Web rank 5,000,000 → 1,000,000 YoY News: 9 BI events in 12 mo (of 9 tracked, 1 types) · 9 high-value events (IPO/M&A/funding/contracts) in 12 mo rank vs industry peers · Fliar Intelligence Index 55/100 | $458K FY2025 | $7M | 20 | 2023 | Apple iCloud MailNode.jsChakra UI+15 | +1885967% | — |
| 39 | Rang De Provider of a peer-to-peer lending platform for social impact investing | $427K FY2025 | $3M | 50 | 2008 | Cart FunctionalityZohoBootstrap+28 | +2% | — |
| 40 | Navanc Provider of AI-powered property creditworthiness scoring and assessment platform 48Growth top 12%Talent top 38%AI top 45%Funding top 47% All 11 signals ▾Growthtop 12% Talenttop 38% AItop 45% Fundingtop 47% Moatbottom 49% Productbottom 45% Fin. healthbottom 40% Techbottom 39% Newsbottom 39% Globalbottom 37% Marketbottom 23% Growth: Revenue +101% YoY · Web rank 50,000,000 → 5,000,000 YoY Talent: 2 named leaders on record · 2 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 48/100 | $284K FY2025 | $300K | 4 | 2021 | Node.jsTailwind CSSReact+8 | +101% | 1 job opening · 1 award |
| 41 | 50Fin Provider of digital solutions for loan origination and collateral management | $180K FY2025 | $1M | 10 | 2022 | WebflowGSAPLenis+13 | +649% | — |
| 42 | Mannjal Platform offering lending solutions | $69K FY2025 | $1M | 6 | 2023 | Google WorkspaceCloudflareOpen Graph+1 | -42% | — |
| 43 | Riverline Provider of AI-driven debt collection and recovery solutions for lenders | $32K FY2025 | $864K | — | 2023 | Framer SitesReactAmazon Web Services+6 | — | — |
| 44 | QuID Provider of supply chain finance and invoice financing solutions for businesses | $17K FY2025 | $602K | — | 2023 | Node.jsTailwind CSSReact+8 | +4567% | 1 job opening · 1 internship |
| 45 | QuickLend Provider of lending products and solutions for borrowers | $9K FY2025 | $691K | — | 2023 | Apple iCloud MailGoogle WorkspaceNode.js+20 | +38485% | — |
| 46 | RentenPe Ecosystem that allows users to build and monitise their credit history through rentals 19Growth top 28%Tech top 41%Talent bottom 49%Funding bottom 43% All 9 signals ▾Growthtop 28% Techtop 41% Talentbottom 49% Fundingbottom 43% Productbottom 40% Globalbottom 30% Moatbottom 28% Marketbottom 14% Fin. healthbottom 8% Growth: Web rank 10,000,000 → 5,000,000 YoY · Fresh capital in last 24 mo Tech: 39 technologies across 4/8 capability areas · Cloud: Azure, Cloudflare rank vs industry peers · Fliar Intelligence Index 19/100 | $3K FY2024 | $2M | — | 2022 | Windows ServerAnimate.cssBootstrap+28 | — | — |
| 47 | Yenmo Provider of loans against mutual funds for financial applications | $2K FY2025 | $500K | — | 2022 | Node.jsMUIYouTube+15 | -98% | — |
| 48 | Exponent One Provider of financing and asset management for electric commercial vehicles 22Talent bottom 49%Funding bottom 47%Global bottom 36% All 3 signals ▾Talentbottom 49% Fundingbottom 47% Globalbottom 36% Talent: 1 named leader on record · 1 C-suite/founder profile curated Funding: Raised $2.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 22/100 | — | $2M | — | 2025 | — | — | 1 partnership |
| 49 | Efficient Capital Labs Provider of non-dilutive capital for SaaS and AI companies | — | $22M | 19 | 2022 | WebflowMicrosoft ClarityLinkedin Insight Tag+19 | — | 1 job opening |
| 50 | Atlas AI Developer of an AI banking agent for lending process automation | — | $201K | — | 2024 | Node.jsRadix UIHeadless UI+11 | — | — |
Top 12 Alternative Lending companies in Karnataka
#1
Series E · Bengaluru, Karnataka · founded 2017 · 592 employees$255.7Mraised▾
Series E · Bengaluru, Karnataka · founded 2017 · 592 employees
Platform providing personal loans, business loans, and loans against property. It facilitates loan transactions between borrowers and personal loan providers. The platform offers various financial products and services, including flexi personal loans and two-wheeler loans. The application process is online, with funds disbursed to the applicant's bank account upon approval.
Fliar Intelligence Index™ 76how this company ranks against its industry peers
News
top 14%Moat
top 18%Funding
top 19%Market
top 21%Talent
top 28%Tech
top 34%News: 9 BI events in 12 mo (of 79 tracked, 6 types) · +800% YoY · 5 high-value events (IPO/M&A/funding/contracts) in 12 mo
Moat: Top 3% by revenue among 743 tracked Alternative Lending companies · Editorial + unicorn rating 8/10 · Unicorn
Funding: Raised $256M across 9 rounds · 9 rounds over 9 yrs (1.0/yr) · Last round Series E (Apr 2026)
Audience (LinkedIn): 54k LinkedIn followers — 2.1% of this cohort's audience
Activity (LinkedIn): 5 awards announced in 12 mo
Funding rounds
- Apr 2026Series E$220M
- Mar 2024Series D$9.4M
- Jan 2023Series D$24.3M
- Dec 2022Series D$18.2M
Founders & team
Investors
MUFG, Premji Invest, Motilal Oswal, Mirae Asset Venture Investments, Wiseanya, Newquest
Tech stack
Amazon Web ServicesBabelBootstrapCloudflareCloudflare Bot ManagementCloudflare Browser Insights
#2
Series E · Bengaluru, Karnataka · founded 2014 · 582 employees$219.8Mraised▾
Series E · Bengaluru, Karnataka · founded 2014 · 582 employees
Provider of personal loans, home loans, credit cards, and other services. The platform facilitates access to financial products through its lending and banking partners. Services include personal loans, home loans, business loans, loans against property, and credit cards. It also provides options for fixed deposits, gold investment, and vehicle insurance. The platform offers credit tracking and unified payment interface services.
Fliar Intelligence Index™ 90how this company ranks against its industry peers
Fin. health
top 17%Moat
top 17%Market
top 18%Funding
top 18%Growth
top 27%Talent
top 34%Fin. health: Revenue ~$281M (FY2023) · Net margin 9.2% · Revenue +71% YoY
Moat: Top 1% by revenue among 743 tracked Alternative Lending companies · Editorial + unicorn rating 9/10 · Unicorn
Market: 582 employees (top 13% of Fintech) · Revenue ~$281M · ~3% of tracked Alternative Lending revenue (743 cos, FY2025)
Audience (LinkedIn): 137k LinkedIn followers — 5.2% of this cohort's audience
Activity (LinkedIn): 1 awards announced in 12 mo
Funding rounds
- Nov 2025Conventional Debt$11.4M
- Mar 2025Series E$2.4M
- Sep 2024Series E$4.7M
- Sep 2024Conventional Debt$29.8M
Founders & team
Investors
Tiger Global Management, Accel, South Park Commons, Trusted Insight, TI Platform Management, Crimson Winter
Tech stack
Amazon CloudfrontAmazon Web ServicesApache Http ServerAws Certificate ManagerBootstrapCore-Js
#3
Series A · Bengaluru, Karnataka · founded 2023$50.8Mraised▾
Series A · Bengaluru, Karnataka · founded 2023
Provider of loan against property products for micro, small, and medium enterprises. It offers secured loans using property as collateral for business or personal needs. Eligible properties include residential, commercial, and industrial properties with clear legal titles. The loan can be used for expansion, education, or debt consolidation purposes.
Fliar Intelligence Index™ 62how this company ranks against its industry peers
Growth
top 26%Funding
top 32%Fin. health
top 36%Tech
top 38%Moat
top 45%Talent
bottom 49%Growth: Revenue +5618% YoY · Web rank 5,000,000 → 10,000,000 YoY · Fresh capital in last 24 mo
Funding: Raised $50.8M across 4 rounds · 4 rounds over 2 yrs (2.0/yr) · Last round Conventional Debt (Mar 2026)
Fin. health: Revenue ~$1.8M (FY2025) · Net margin 21.7% · Revenue +5618% YoY
Audience (LinkedIn): 6k LinkedIn followers
Activity (LinkedIn): 1 product launches announced in 12 mo
Funding rounds
- Mar 2026Conventional Debt$10.8M
- Oct 2025Conventional Debt$12.5M
- Oct 2025Series A$17.5M
- Mar 2024Seed$10M
Founders & team
Investors
Blume Venture, Omnivore, Axis Bank, IDFC First Bank, Punjab National Bank
Tech stack
CloudflareCloudflare Browser InsightsCore-JsEmotionEnvoyFacebook Pixel
#4
Navi 🦄Series B · Bengaluru, Karnataka · founded 2012 · 698 employees$427.3Mraised▾
Navi 🦄
Series B · Bengaluru, Karnataka · founded 2012 · 698 employees
Provider of financial products including UPI, loans, insurance, and mutual funds. The company facilitates payments, investments, and access to credit and coverage options. It offers tools for managing finances and planning investments. The platform provides options for individuals seeking loans, insurance coverage, and investment opportunities. It aims to simplify financial processes through its application.
Fliar Intelligence Index™ 78how this company ranks against its industry peers
Customers
top 10%Moat
top 17%Innovation
top 20%Market
top 21%Funding
top 21%Tech
top 29%Customers: Play-Store rating 4.47★ across 5,633,904 ratings (1 apps) · Marquee-customer mentions: top 17% of tracked companies
Moat: Top 1% by revenue among 743 tracked Payments companies · Editorial + unicorn rating 8/10 · Unicorn
Innovation: 6 new-product events in 24 mo · Deep-tech classification: Blockchain
Audience (LinkedIn): 736k LinkedIn followers — 28.1% of this cohort's audience
Hiring (LinkedIn): 1 hiring post in 12 mo (public) · hiring: data teams
Activity (LinkedIn): 2 awards announced in 12 mo
Funding rounds
- Jul 2025Conventional Debt$20M
- May 2024Convertible Debt$18M
- Nov 2020Angel$33.9K
- Apr 2020Series B$26.9M
Founders & team
Investors
Gaja Capital, PhillipCapital, NDX Financial Services, Arpee Group, Ambit, Grey Grass India
Tech stack
Amazon S3Amazon SesAmazon Web ServicesCloudflareCore-JsEmotion
#5
Perfios 🦄Series D · Bengaluru, Karnataka · founded 2008$270.3Mraised▾
Perfios 🦄
Series D · Bengaluru, Karnataka · founded 2008
Provider of AI-driven platform for financial analysis, verification, and decisioning. The platform offers document analysis, KYC/KYB compliance, fraud detection, and risk assessment solutions. It facilitates digital lending, customer onboarding, and claims automation across various industries. The platform also provides tools for credit assessment and due diligence.
Fliar Intelligence Index™ 87how this company ranks against its industry peers
Moat
top 16%Fin. health
top 20%Funding
top 23%Talent
top 23%Market
top 25%Product
top 36%Moat: Top 1% by revenue among 105 tracked Insurance IT companies · Unicorn · 10 curated direct competitors tracked
Fin. health: Revenue ~$83.8M (FY2018) · Net margin 15.6%
Funding: Raised $270M across 14 rounds · 14 rounds over 17 yrs (0.8/yr) · Last round Series D (May 2025)
Audience (LinkedIn): 105k LinkedIn followers — 4.0% of this cohort's audience
Hiring (LinkedIn): 1 hiring post in 12 mo (public) · hiring: Senior Manager
Funding rounds
- May 2025Series D$1.5M
- Mar 2024Series D$80M
- Sep 2023Series D$41.4M
- Oct 2022Venture Debt$6.1M
Founders & team
Investors
Bessemer Venture Partners, Warburg Pincus, Innoven Capital, Stride Ventures, Kedaara, 1000632564 Ontario
Tech stack
Amazon Web ServicesCloudflareCloudflare Bot ManagementCloudflare Browser InsightsCookieyesCore-Js
#6
Series C · Bengaluru, Karnataka · founded 2017 · 16 employees$26.7Mraised▾
Series C · Bengaluru, Karnataka · founded 2017 · 16 employees
A personal loan and financial solutions provider. It provides users with a company that offers a range of financial services primarily focused on personal loans and savings options. It also offers tailored loans for specific needs, such as travel and laptop purchases.
Fliar Intelligence Index™ 80how this company ranks against its industry peers
Growth
top 22%News
top 22%Fin. health
top 23%Moat
top 25%Funding
top 26%Talent
top 28%Growth: Revenue +41% YoY · Fresh capital in last 24 mo
News: 6 BI events in 12 mo (of 10 tracked, 4 types) · +200% YoY · 6 high-value events (IPO/M&A/funding/contracts) in 12 mo
Fin. health: Revenue ~$42.0M (FY2022) · Net margin 14.4% · Revenue +41% YoY
Audience (LinkedIn): 46k LinkedIn followers
Funding rounds
- Jan 2026Series C$23M
- Jan 2024Series B$1.5M
- Jul 2023Series B$4.7M
- 2023Venture Debt—
Founders & team
Investors
Lightrock, India SME Investments, Pace Stock Broking Services, Unicorn India Ventures, Accion, Sunidhi
Tech stack
BootstrapBootstrap IconsCart FunctionalityFirebaseFramer SitesGoogle Analytics
#7
Series A · Bengaluru, Karnataka · founded 2023 · 20 employees$6.9Mraised▾
Series A · Bengaluru, Karnataka · founded 2023 · 20 employees
Provider of AI-powered credit management solutions, aiming to democratize access to credit and promote long-term financial wellness. It is a credit builder platform that enables individuals to track, pay, and earn cashback on loan EMIs, while also managing credit score. The platforms offer tools for loan EMI payment management, credit score analytics and more.
Fliar Intelligence Index™ 55how this company ranks against its industry peers
Growth
top 12%News
top 19%Funding
top 40%AI
top 45%Tech
top 46%Talent
bottom 49%Growth: Revenue +1885967% YoY · Web rank 5,000,000 → 1,000,000 YoY · App-install growth +500% YoY
News: 9 BI events in 12 mo (of 9 tracked, 1 types) · 9 high-value events (IPO/M&A/funding/contracts) in 12 mo · Top themes: Funding
Funding: Raised $6.9M across 4 rounds · 4 rounds over 2 yrs (2.0/yr) · Last round Series A (Apr 2026)
Audience (LinkedIn): 5k LinkedIn followers
Funding rounds
- Apr 2026Series A$14M
- Sep 2025Seed$7M
- Jul 2024Seed$500.3K
- Mar 2024Seed$6.4M
Founders & team
Investors
Angel List, 8i Ventures, Singularity AMC, IIMA Ventures, Lightspeed Venture Partners, Z47
Tech stack
Amazon SesAmazon Web ServicesApple Icloud MailChakra UiEmotionGoogle Analytics
#8
Series B · Bengaluru, Karnataka · founded 2020 · 150 employees$106Mraised▾
Series B · Bengaluru, Karnataka · founded 2020 · 150 employees
Provider of earned wage access and financial wellness solutions. The platform offers employees access to their earned wages before payday, along with financial literacy resources and tools to manage financial well-being. The platform integrates with existing HR systems, enabling seamless access for employees and streamlined payroll processes for employers. It also provides access to various financial tools for better financial behavior and inculcates positive habits such as savings. The platform prioritizes data security and privacy, adhering to relevant regulations and employing robust security measures.
Fliar Intelligence Index™ 69how this company ranks against its industry peers
Moat
top 21%Tech
top 28%Innovation
top 33%Funding
top 33%Market
top 39%Product
top 42%Moat: Top 5% by revenue among 1371 tracked HRTech companies · Editorial + unicorn rating 8/10 · Soonicorn
Tech: 47 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 · Observability: Sentry
Innovation: 5 product lines
Audience (LinkedIn): 98k LinkedIn followers — 3.7% of this cohort's audience
Activity (LinkedIn): 1 product launches announced in 12 mo
Funding rounds
- Jun 2025Venture Debt$4M
- Dec 2021Series B$82M
- Jun 2021Series A$16M
- Dec 2020Seed$4.1M
Founders & team
Investors
DST Global, RTP Global, Jigsaw, QED Investors, XYZ Venture Capital, Tiger Global Management
Tech stack
Amazon CloudfrontAmazon S3Amazon Web ServicesAnimate.CssApexcharts.JsApple Icloud Mail
#9
Seed · Bengaluru, Karnataka · founded 2018 · 49 employees$3.9Mraised▾
Seed · Bengaluru, Karnataka · founded 2018 · 49 employees
Provider of financing solutions for insurance premiums through monthly installments. The company connects insurance intermediaries, customers, insurers, and lenders. It offers a digital process that removes the need for physical documentation. Multiple general insurance types can be financed. The company pledges never to sell insurance policies, aiming to be a trusted partner for insurers.
Fliar Intelligence Index™ 53how this company ranks against its industry peers
Growth
top 18%Talent
top 35%Moat
top 43%Funding
top 45%Fin. health
bottom 43%Product
bottom 40%Growth: Headcount 35 → 49 (+40%) across vintages · Revenue +108% YoY · Fresh capital in last 24 mo
Talent: 4 named leaders on record
Moat: Top 42% by revenue among 156 tracked Internet First Insurance Platforms companies · Editorial + unicorn rating 5/10 · 5 curated direct competitors tracked
Audience (LinkedIn): 4k LinkedIn followers
Activity (LinkedIn): 1 product launches announced in 12 mo
Funding rounds
- May 2026Grant (prize money)—
- May 2024Seed$1.8M
- Dec 2021Seed$1.6M
- Oct 2020Seed$101.4K
Founders & team
Investors
Unicorn India Ventures, Seafund, Forward Commercial, Prajna Consultants, CXI Valley I, Allied Information Technology & Marketing
Tech stack
Amazon Web ServicesAws Certificate ManagerBootstrapCdnjsCloudflareFont Awesome
#10
Series D · Bengaluru, Karnataka · founded 2019 · 1547 employees$144.5Mraised▾
Series D · Bengaluru, Karnataka · founded 2019 · 1547 employees
Provider of diverse financial products and lending solutions for businesses and individuals. It offers business loans, small business loans, loans against property, and wholesale financing options. The company also provides embedded financing solutions for other platforms and collaborates with fintech companies. A branch-led solution offers personalized service for credit needs. Its offerings cater to various business sizes and personal financial goals, focusing on quick approvals and competitive rates.
Fliar Intelligence Index™ 82how this company ranks against its industry peers
Fin. health
top 13%Moat
top 20%Funding
top 23%Market
top 24%Growth
top 27%Tech
top 31%Fin. health: Revenue ~$320M (FY2021) · Net margin 39.8% · Revenue +87% YoY
Moat: Top 1% by revenue among 743 tracked Alternative Lending companies · Editorial + unicorn rating 8/10 · Soonicorn
Funding: Raised $144M across 2 rounds · 2 rounds over 2 yrs (1.0/yr) · Last round Conventional Debt (May 2025)
Audience (LinkedIn): 115k LinkedIn followers — 4.4% of this cohort's audience · 108 engagements/post (1.9× cohort median)
Funding rounds
- May 2025Conventional Debt$150M
- Feb 2024Series D$144.5M
Founders & team
Investors
Mizuho Financial Group
Tech stack
Amazon CloudfrontAmazon S3Amazon Web ServicesApache Http ServerApexcharts.JsCdnjs
#11
Acquired · Bengaluru, Karnataka · founded 2013 · 344 employees$232.2Mraised▾
Acquired · Bengaluru, Karnataka · founded 2013 · 344 employees
Provider of an online lending platform offering point of sale financing. It offers financing solutions like buy now pay later, credit, and more. It also offers personal finance management tools and enables businesses to onboard customers and manage sales. The app is available on both Android and iOS devices.
Fliar Intelligence Index™ 62how this company ranks against its industry peers
Funding
top 25%Moat
top 25%Product
top 30%Market
top 33%Customers
top 33%Innovation
top 34%Funding: Raised $232M across 13 rounds · 13 rounds over 12 yrs (1.1/yr) · Last round Series F (Aug 2024)
Moat: Top 15% by revenue among 616 tracked Consumer and SME Loans companies · Editorial + unicorn rating 8/10 · Soonicorn
Product: 12 distinct product lines · 2 published apps (15.1M installs) · Company stage: Acquired
Audience (LinkedIn): 37k LinkedIn followers
Activity (LinkedIn): 1 awards announced in 12 mo
Funding rounds
- Aug 2024Series F$20M
- Apr 2024Venture Debt$6M
- Sep 2021Series E$50M
- Jun 2021Conventional Debt$6.9M
Founders & team
Investors
Alteria Capital, Ribbit Capital, Creation Investments, Elevation Capital, Peak XV Partners, Mahindra
Tech stack
Apple Icloud MailCloudflareGoogle AnalyticsGoogle Font ApiGoogle Hosted LibrariesGoogle Workspace
#12
Series D · Bengaluru, Karnataka · founded 2017 · 249 employees$39.5Mraised▾
Series D · Bengaluru, Karnataka · founded 2017 · 249 employees
Provider of flexible digital education loans with customized repayment options for students. Students can apply online and receive instant approvals through a simple digital process. It partners with thousands of educational institutes to expand student access to quality courses. The company evaluates applicants on academic potential and future employability, not just financial background.
Fliar Intelligence Index™ 60how this company ranks against its industry peers
Moat
top 27%Talent
top 28%Funding
top 30%Tech
top 35%Market
top 38%Growth
top 49%Moat: Top 12% by revenue among 743 tracked Alternative Lending companies · Editorial + unicorn rating 7/10 · Soonicorn
Talent: Analyst team rating 4/5 · 3 named leaders on record · 3 C-suite/founder profiles curated
Funding: Raised $39.5M across 7 rounds · 7 rounds over 9 yrs (0.8/yr) · Last round Series D (May 2025)
Audience (LinkedIn): 119k LinkedIn followers — 4.5% of this cohort's audience · 87 engagements/post (1.5× cohort median)
Activity (LinkedIn): 1 awards announced in 12 mo
Funding rounds
- May 2025Series D$30.7M
- Feb 2022Series B$35M
- Oct 2021Series A$600.2K
- Nov 2020Series A$1.4M
Founders & team
Investors
UDGAM, Stellaris, India Quotient, Indian Angel Network Fund, Indian Angel Network, Survam Partners
Tech stack
Ant DesignCart FunctionalityCdnjsChart.JsCloudflareCloudflare Bot Management
Funding & investor landscape
$3.2Btotal disclosed funding
104companies funded
346disclosed rounds
4rounds last 90 days
Most active investors
QED Innovation Labs9 rounds
Notable founders
Vivek Veda
Co-Founder & CFO · KreditBee
Karthikeyan Krishnaswamy
Co-Founder & CTO · KreditBee
Puneet Agarwal
Co-Founder & CEO · Moneyview
Sanjay Aggarwal
Co-Founder · Moneyview
Prashant Pitti
Founder · Optimo Capital
Ankit Agarwal
Co-Founder & CFO · Navi
Sachin Bansal
Co-Founder & Managing Director · Navi
Debasish Chakraborty
Co-Founder · Perfios
V.R. Govindarajan
Co-Founder & Executive Chairman · Perfios
Jayant Upadhyay
Co-Founder · Olyv
Vinay Singh
Co-Founder · Olyv
Utkrishta Kumar
Founder & CEO · Oolka
Prism market signals · India · country-scoped Prism corpus, 6,065,920 docs
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
How many Alternative Lending companies are there in Karnataka, India?
Radar tracks 250 indexable Alternative Lending companies headquartered in Karnataka, India, India, that meet our profile-completeness bar.
What is the total funding raised by Alternative Lending companies in Karnataka, India?
The Alternative Lending companies in Karnataka, India on this list have raised a combined $3.2B in disclosed equity funding across 104 funded companies.
Which is the highest-funded Alternative Lending company in Karnataka, India?
Perfios is the highest-funded Alternative Lending company in Karnataka, India, with $450.4M in disclosed equity funding.
How many Alternative Lending companies in Karnataka, India are funded?
104 of the 250 Alternative Lending companies in Karnataka, India on this list have disclosed at least one equity funding round.
How many Alternative Lending unicorns are there in Karnataka, India?
5 Alternative Lending companies in Karnataka, India on this list are valued at $1B or more.
Who are the top investors in Karnataka, India Alternative Lending companies?
The most active investors in Karnataka, India Alternative Lending companies on this list include Angel List, LetsVenture, QED Innovation Labs, Stride Ventures, Wellfound.
Riya SenguptaFinancials
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.