Credit Wise Capital Secures Rs 200 Crore for Growth in Lending

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Credit Wise Capital raises Rs 200 crore from Trident Growth Partners to expand two-wheeler loans and tech-enabled lending in Tier II to IV cities.

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Credit Wise Capital’s Recent Funding Round: A Game Changer for Lending in India

Credit Wise Capital, a Mumbai-based non-banking financial company, has made headlines with its recent fundraising achievement, securing Rs 200 crore in its inaugural institutional funding round. The investment, spearheaded by Trident Growth Partners (TGP), aims to enhance Credit Wise Capital’s offerings in two-wheeler and MSME (Micro, Small, and Medium Enterprises) lending, focusing primarily on areas in India that often go underserved—namely, Tier II to IV cities.

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Understanding Credit Wise Capital and Its Mission

Founded with the vision to simplify and humanize credit, Credit Wise Capital specializes in providing two-wheeler loans and loans against property. The firm has a strong belief in leveraging technology to address real-world lending challenges. They have developed a proprietary SaaS platform that not only supports their operations but is also licensed to other non-banking financial companies (NBFCs).

As of March 2025, Credit Wise Capital boasted an impressive assets under management (AUM) of Rs 645 crore, a significant rise from Rs 489 crore the previous year. The company has financed over 200,000 two-wheelers, reflecting its robust market presence and commitment to financial inclusion.

Funding Breakdown and Utilization

Out of the total Rs 200 crore raised, Rs 120 crore comes directly from Trident Growth Partners, a private equity firm noted for its focus on India’s burgeoning consumption-led economy. This influx of capital is strategically aimed at:

• Expanding Secured Loans: This funding will enable Credit Wise Capital to broaden its portfolio of secured loans, facilitating greater access to credit for a wider customer base.

• Tech-Enabled Solutions: By strengthening its technology stack, Credit Wise Capital can improve the efficiency and effectiveness of its lending solutions, ensuring a user-friendly experience for borrowers.

• Tripling AUM: The ambitious goal of tripling their AUM over the next three years is a significant indicator of Credit Wise Capital’s growth trajectory and commitment to elevating lending practices in India.

Statements from Leadership

Aalesh Avlani, Co-founder of Credit Wise Capital, expressed the transformative impact this capital will have, stating, “This capital will enable us to reach more customers, strengthen our tech stack, and bring formal finance closer to those who have been excluded for too long.” Avlani’s comments highlight the company’s commitment to financial inclusion and efficiency in lending processes.

Gurpreet Singh Sodhi, another Co-founder, echoed similar sentiments, noting that along with growth capital, TGP brings invaluable experience and strategic insights that will bolster their operational capabilities.

Trident Growth Partners’ Managing Partner, Atul Gupta, also commented on the investment, indicating that Credit Wise Capital embodies the type of founder-led business that merits support. “As two-wheelers become economic lifelines in emerging India, Credit Wise sits at the intersection of mobility, affordability, and dignity,” Gupta remarked.

The Importance of Two-Wheeler Loans in India

The significance of two-wheeler loans in India cannot be overstated. With the country’s expansive urbanization and the need for affordable transportation, two-wheelers are increasingly viewed as economic lifelines for many families. Credit Wise Capital’s strategic focus on this segment not only opens doors for new customers but also supports a profoundly transformative impact on the lives of borrowers. Two-wheelers allow individuals to access employment opportunities, educational facilities, and essential services, contributing to their economic mobility.

Future Outlook for Credit Wise Capital

With this fresh capital injection and TGP’s strategic partnership, Credit Wise Capital is poised for substantial growth. The company’s goal to enhance its technological infrastructure and expand its loan offerings in underserved regions reflects a thoughtful approach to market demands.

As the lending landscape continues to evolve, particularly in a country as diverse as India, Credit Wise Capital stands ready to adapt and thrive, ensuring that credit remains accessible and straightforward for all.

In summary, Credit Wise Capital’s recent funding round marks a significant milestone not just for the company but for the entire lending ecosystem in India, showcasing a strong commitment to financial inclusion and innovative lending practices.

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