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Founded in 2014 by Puneet Agarwal and Sanjay Aggarwal, Money View was born out of a simple idea – make personal finance management easy for everyone.
It is a fintech startup that’s been quietly transforming how Indians manage their finances.
Image credit: money view
The spark behind the vision
Puneet and Sanjay noticed a common problem in managing finances. People struggled with setting budgets, and understanding where their money was going.
They envisioned an app that could automate expense, budget and savings without the complexity that typically scares people away.
Building a personal finance companion
Money View launched its first app with a focus on simplicity.
The app could read transactional SMS messages (with user permission) to automatically track expenses and income.
This meant users didn’t have to manually input every transaction—a huge relief for those who found budgeting tedious.
Recognizing that many Indians lacked access to formal credit due to insufficient credit history, Money View introduced instant personal loans with minimal documentation.
Innovating during challenging times
Fast forward to the pandemic era, and Money View stepped up in a big way. With financial uncertainty looming over many households, they offered flexible loan options to help users navigate tough times.
They also ramped up their financial education efforts through blogs and in-app content.
Understanding that financial literacy is foundational, they made efforts to educate users about responsible borrowing and money management.
This holistic approach helped build trust and loyalty among their user base.
Revolutionizing credit access: Money View’s innovative journey
Money View stands out in the financial landscape with its unique credit scoring system.
Moving beyond the conventional credit bureau scores, they delve into over 10,000 data points, including bill payments, income trends, and even mobile recharge habits.
This comprehensive approach opens doors for individuals often overlooked by traditional banks, making credit more accessible to everyone.
Achieving remarkable growth
By 2023, Money View had reached over 10 million users and disbursed loans amounting to thousands of crores.
Their impressive growth attracted major investments from leading venture capital firms, propelling them to achieve a unicorn valuation of $1 billion.
Money View continually enhances its app with innovative features for enhanced user experience.
Overcoming challenges with resilience
The path to success wasn’t without obstacles.
Navigating the intricate regulatory landscape of lending demanded meticulous effort and strategic planning.
In a country where many are skeptical about sharing financial information digitally, Money View had to emphasize security and transparency. They implemented robust encryption and made their policies clear to users.
The road ahead
Looking forward, Money View aims to expand its suite of financial products. There’s a buzz about potential ventures into insurance, wealth management, and even more personalized financial planning tools.
Their mission remains consistent: to simplify finance for everyday Indians.
By remaining anchored in its core values and constantly evolving through user feedback, Money View is set to amplify its influence even further.
Their journey highlights a deep understanding of local financial needs and the smart use of technology to address them effectively.
Money View has demonstrated that blending innovation with empathy and a focus on the user can transform personal finance from a daunting task into an empowering experience.
Whether you are puzzled by your spending habits or need a swift loan without endless paperwork, Money View is the trusted, homegrown solution ready to support you every step of the way.
Their commitment to making finance accessible and manageable ensures that more people can achieve their financial goals with ease and confidence.
insights into innovation, funding, and success with our startup article. Read today! visionaries behind Money View: Puneet Agarwal and Sanjay Aggarwal
Rajeev – Digital Evangelist | Startup Consultant | Entrepreneur
With 20+ years in SEO, digital marketing, and data analytics, Rajeev has been instrumental in shaping successful online strategies for global brands. As the former Practice Head – SEO & Analytics at WPP/GroupM India, he led high-impact search and analytics teams for over 14 years.
Beyond corporate leadership, Rajeev is a Startup Consultant & Digital Trainer, helping early-stage ventures scale through digital strategies, investor readiness, and technical consulting. He has also been a lead trainer at Digital Vidya and associated with Bhartiya Vidya Bhawan, where he empowered students with practical digital marketing knowledge.
An early-stage investor, he has backed Bihar-based startups like Mostech Softwares and Delhi Foods. His expertise spans SEO, SEM, media planning, mobile app distribution, and website development, ensuring businesses establish a strong digital presence.
He is also very passionate about his mother place or state Bihar and currently, he is working with local entrepreneurs to ensure more digital and e-commerce penetration and want to take it to the next level.
🚀 Exciting new venture coming soon! Stay tuned.
