Moneyview Limited announced robust financial results for the second quarter and first half of FY27. Total income grew by 8% quarter-over-quarter to ₹1,146 crore, while profits surged by 16% to ₹201 crore. This performance was driven by widening margins and improved operating efficiency. The company also highlighted strong growth in disbursals and a positive outlook for the festive season.
Strong Q2 and H1 FY27 Performance
Moneyview Limited has reported significant financial growth for the second quarter and the first half of the fiscal year 2027. The company’s total income for the quarter reached ₹1,146 crore, an increase of 8% compared to the previous quarter. Profits saw an even more substantial rise of 16%, amounting to ₹201 crore, reflecting improved margins and enhanced operational efficiency. The pre-tax margin expanded from 21% to 23%, attributed to higher margins in the partnership business, lower cost of capital, better credit costs, and operating efficiency.
Growth in Disbursals and AUM
In terms of business volume, disbursals for the quarter stood at ₹7,701 crore, marking a 7% increase quarter-over-quarter. The managed Assets Under Management (AUM) closed at approximately ₹23,900 crore as of September 2026. The company’s return on equity for the quarter was reported at 27.8% (stated as positive 27.9% in an errata), which includes the capital from the IPO.
Outlook and Strategy
Moneyview expressed confidence in maintaining its growth momentum through the festive season, expecting continued strength in disbursals, collections, and operating efficiency. The company’s strategy continues to focus on its four pillars: customer-first approach, data and technology-driven operations, digital-first service delivery, and a capital-light model. This approach has enabled Moneyview to reach profitability in FY22 and maintain profitable growth since.
Market Opportunity and Future Projections
The company highlighted the substantial opportunity in India’s digital financial services sector, especially in tier 2 and tier 3 cities. The personal loan market is projected to grow significantly, with digital loans expected to expand at a rate of 26%-27% annually through FY31. Moneyview aims to leverage its data and technology capabilities to assess creditworthiness, personalize products, manage risk effectively, and provide a seamless customer experience. The company anticipates exceeding ₹800 crore in PAT for the full year, driven by sustained growth momentum and maintained healthy margins.
Capital and Funding
Moneyview’s capital-light model, with 75% of loan capital sourced from lending partners, contributes to capital efficiency and faster scaling. The company’s own NBFC adds resilience and access to additional funding sources. Discussions with rating agencies are ongoing to leverage the recent equity infusion for potential rating improvements and further reduction in the cost of capital.
Operational Highlights
The company detailed its focus on improving operating efficiencies, including a reduction in the cost of capital for its NBFC and optimizing customer acquisition costs. Technology, particularly AI, plays a crucial role in enhancing productivity and driving down costs across operations. Collections are also heavily data and technology-driven, utilizing AI-based voice bots for a significant portion of early collections.
Source: BSE
