• IPO capital deployment: Fresh issue proceeds of ₹750 crore will be utilized for capital infusion into the NBFC, risk guarantee reserves for off-balance sheet partner lending, and general corporate investments.
• Lending model mix: Moneyview manages approximately ₹22,000 crore in AUM, maintaining a steady split of 75% off-balance sheet lending via partner institutions and 25% on its own NBFC balance sheet.
• Customer acquisition efficiency: Customer acquisition costs have decreased to below 2% of loan disbursals, driven by repeat loans rising to over 60% of business and monetized users reaching 11.9 million.
• Portfolio risk performance: Annualized losses across the predominantly unsecured portfolio have dropped below 7%, while actual P&L losses on off-balance sheet partner loans range between 2% and 2.5% despite offering up to a 5% default guarantee.