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印度信用平台IndiaLends获1000万美元B轮融资

全新的互联网金融模式国际资讯投融资

印度信用平台IndiaLends获1000万美元B轮融资

近日,新德里信用评分及分析平台IndiaLends完成了1000万美元B轮融资,领投方为伦敦ACP Partners,参投方包括American Express Ventures、DSG Consumer Partners和AdvantEdge Partners三位现有投资人,以及专注于印度的基金公司Ganesh Ventures。

本轮融资将被用于扩大IndiaLends的技术平台,强化其信贷承销及分析能力,提高在全印度市场的产品供应,并招聘更多人才。

这家创企由Gaurav Chopra和Mayank Kachhwaha创立于2015年,IndiaLends运营的在线市场能让消费者获得大量由各家金融机构提供的无担保信贷产品,这些机构主要根据消费者的信用状况发放贷款。这家创企声称自成立以来已经发放了7300万美元的个人贷款,目前帮助了将近20万消费者获得了信用卡安全认证。

另外,IndiaLends还为金融机构提供信用评分和贷款发放服务。“我们已经和将近50家银行和非银行金融公司建立了合作,公司在多个消费领域提供个人贷款,额度从218美元到7.28万美元不等,贷款偿还期限最短三个月,最长达6年。我们将继续专注于无担保消费贷款,不久后我们会推出新的产品,包括一款基于应用的信贷产品和POS贷款等,以满足客户的需求。”Chopra说道。

“作为消费者驱动的产品,美国、欧洲以及东南亚地区的不少价格比较平台已经取得了成功。印度即将进入零售信贷产品快速扩张的一个阶段,IndiaLends在这一趋势中的定位非常完美,我们很高兴能迎来这次合作。”ACP的创始人Alok Oberoi说道。

之前,IndiaLends曾于2016年12月获得过400万美元融资,投资方包括American Express Ventures、DSG Consumer Partners、Cyber Carrier VC和AdvantEgde Partners。

New Delhi-based fin-tech company IndiaLends has raised $10 million (about Rs 69 crore) in its Series B round of funding, which has been led by London-headquartered asset management firm ACPI Investment Managers and India-focused venture capital firm Ganesh Ventures.

The latest round of funding comes about 18 months after the three year-old venture raised $4 million, and which was led by American Express Ventures, the corporate venture investment arm of American Express Co.

AmEx ventures, along with the other existing investors in the company, which includes Deepak Shahdadpuri-led consumer-focused venture capital firm DSG Consumer Partners and AdvantEdge Partners, have also participated in the round, which closed last week.

ACPI Investment Managers is the London-based asset management firm founded by former Goldman Sachs Partner Alok Oberoi. The firm invests up to $100 million across sectors. Separately, Ganesh Ventures, set up by former Cyber Carrier partner Jessica Wong, is an India-focused Chinese venture capital firm, which is believed to be backed by the family office set up by Alibaba founder Jack Ma.

IndiaLends, which competes with the likes of online financial marketplace PaisaBazaar as well as banks, will use the proceeds to launch new products, aimed at the ecommerce sector, further build up its technology platform and tamp up its hiring across the board.

Till date, the company has raised an estimated $16 million in funding since inception.

“RBI data on sectoral deployment of bank credit in FY18 reflects the tremendous growth potential of personal loans. We will shortly be launching new products such as an app-based line of credit and point-of-sale loans to meet the needs of our customers”, said Gaurav Chopra, founder, IndiaLends.

IndiaLends has partnered with over 50 banks and non-banking financial institutions, a list that includes HDFC Bank, IIFL, RBL Bank and Bajaj. It claims to have disbursed loans worth an estimated Rs 500 crore and over 2 lakh credit cards.

“Price comparison platforms have enjoyed success as a consumer-driven product offering with a number of strong players in the US, Europe and Southeast Asia. India is set to enter a phase of rapid retail credit expansion; IndiaLends is perfectly positioned to capitalise on this growth,” said Alok Oberoi, founder of ACP Partners.

Founded in March 2015 by former Capital One executives Gaurav Chopra and Mayank Kachhwaha, the startup also counts Siddharth Parekh, senior partner at private equity firm Paragon Partners and younger son of HDFC chairman Deepak Parekh, and Gautham Radhakrishnan, partner at Tata Opportunities Fund, among its early investors.

“Since DSGCP first invested in 2015, we have witnessed strong market traction as IndiaLends continues to use data, credit analytics and technology to build a robust platform that offers banks and NBFCs the ability to develop and market products to a broader set of consumers,” Deepak Shahdadpuri, managing director, DSG Consumer Partners, said.


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