最有看点的互联网金融门户

最有看点的互联网金融门户
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定位中等工薪阶层,印度网贷公司Qbera获300万美元融资

印度网贷平台Qbera近日宣布获得了300万美元融资,投资方为印度企业集团Essel的子公司E-City Ventures。这是Qbera对外的首轮融资,据悉,本轮融资资金将用于技术投入、业务拓展和团队建设。

Qbera总部位于班加罗尔,由Aditya Kumar和Anubhav Jain于2015年创立。该平台为人们提供个人数字贷款,目标人群是那些长期被排除在金融体系之外,但有贷款需求的客户,主要是中等收入的工薪阶层。

根据官网信息,Qbera的贷款额度从5万卢比(4722人民币)到250万卢比(23.6万人民币)不等,期限从12个月至60个月。目前公司在班加罗尔、钦奈、德里、海德拉巴、孟买、浦那、艾哈迈达巴德、加尔各答、斋浦尔等城市开展业务。公司表示,未来几个月希望扩大其在二线城市的影响力。

根据Qbera公开的信息,截至2018年8月,它已经处理了超过20万份申请,并发放了超过5亿卢比(约4722万人民币)的贷款。该公司目前每月收到约1万份贷款申请,其目标是在未来12-18个月内扩大到5万份。

有报告显示,2017年印度金融科技行业共发生111起融资事件,总额度达.01亿美元。其中,ZestMoney于今年8月宣布获得了来自小米的1340万美元A轮融资。此外,小米去年曾和顺为资本一起领投了印度在线小额贷款平台KrazyBee的800万美元A轮融资。小米两次出手,一方面是看好印度数字信贷市场,另一方面是因为客群重合,想通过信贷来促进产品销售。

在数字借贷领域,Qbera的竞争对手还包括Lendingkart、PaySense、FlexiLoans、KredX、Capital Float、MoneyTap等。

Bengaluru-based online lending platform Qbera has raised a $3 Mn funding round led by Mumbai-based investor E-City Ventures which is a part of the Indian conglomerate Essel Group.

Qbera was founded in 2015 by Aditya Kumar and Anubhav Jain. The platform offers  digital personal loans to people. It currently operates in  Bengaluru, Chennai, Delhi, Hyderabad, Mumbai, Pune, Ahmedabad, Kolkata and Jaipur.

The startup plans to utilise the recently raised funds towards ramping up its technology and analytics capabilities. It also plans to expand its team across functions, scale its business and expand its geographical reach to more parts of the country.

It  further looks to expand its presence across Tier 2 cities such as Lucknow, Surat, Bhopal, and Patna over the next few months.

“This funding by E-City Ventures emphasises the impact of our diverse lending solutions targeted to help salaried consumers across various segments and geographies access affordable credit in a convenient and stress-free manner,” Kumar said in a statement.

According to the official website, the loan amounts on Qbera range from $692.6 (INR 50K) to  $34.8K (INR 25 Lakh), with applicable tenures between 12 and 60 months.

The platform facilitates loans from banks and financial institutions such as Kotak Mahindra Bank, RBL Bank, IndusInd Bank, and Fullerton, by acting as an intermediary between them and registered borrowers on Qbera.

According to the startup, as of August 2018, it has processed more than twoLakh applications and disbursed loans worth more than $6.9 Mn (INR 50 Cr). It aims to extend loans worth $55.3 Mn (INR 400 Cr) by the end of FY 2019-20.

Some of the major players in the digital lending sectors are  Zestmoney,Lendingkart, FlexiLoans, KredX, Capital Float, and MoneyTap, among others.

Recently in August 2018, Bengaluru-based digital lending startup ZestMoney raised $13.4 Mn in extended Series A round of funding led by Chinese smartphone maker Xiaomi.

Also another player in the space LoanTap , which is based in Bengaluru had raised $6.25 Mn (INR 43 Cr) in an equity funding round led by Beijing-based venture capital firm Shunwei Capital.

According to Inc42 DataLabs Indian Startup Funding report 2017, the Indian fintech industry has received $3.01 Bn across 111 deals in 2017. Further, the Indian Tech Startup Funding Q1 2018 report,states that fintech as a sector witnessed $2 Bn in investment in H1 2017.


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