About Credilio
Credilio is a Financial Services company based in Mumbai (India) founded in 2020 by Manish Sinha, Aditya Gupta, Anand Kapadia, and Sandeep Bhimrao Ghule. Personal finance is simplified via credit cards and loans. It operates on a API-as-a-Product, FinTech, and Brokerage / Intermediation model. Credilio has raised $12.88 million across 7 funding rounds from investors including Angel List, LetsVenture and Alteria Capital. The company has 152 employees. Credilio was last valued at $30.79 million in January 2025. Its chief executive, as recorded, is Aditya Gupta. Its website credilio.in draws about 532 thousand monthly visits. Its Indian entity Credilio Financial Technologies Private Limited reported revenue of ₹80.55 Cr. Credilio offers products and services including SBM Credilio Credit Card, Credilio Play, novio App, and Credilio Pro. Its focus areas include Digital Lending and Personal Finance Platforms. Its competitors include Kissht, Stashfin and Finnable; 3 of its 3 listed competitors have raised funding.
Company details
A personal finance platform is managed by Credilio, connecting banks, financial advisors, and consumers through digital solutions. Services are provided in the form of credit cards, loans, and API stacks for businesses. The platform is focused on simplifying personal finance for individuals and enabling businesses to monetize their customer base. Partnerships are maintained with over 35 leading banks and NBFCs in India. Security and trust are ensured through high-degree encryption and industry-standard protocols.
- Headquarters Mumbai, India
- Employees 152
- Founders Manish Sinha, Aditya Gupta, Anand Kapadia, Sandeep Bhimrao Ghule
- Stage Minicorn
- SectorsFinancial Services
- Email••••••••
- Phone•••• ••••
- Website credilio.in
- Social LinkedIn X Facebook Instagram YouTube
- Legal Name Credilio Financial Technologies Pvt Ltd
- Date of Incorporation 28 Jul, 2020
- Jurisdiction Mumbai, Maharashtra, India
- Annual Revenue₹80.55 Cr
FY 2025 · -1% YoY
- Net Loss-₹19.91 Cr
FY 2025
- EBITDA-₹15.60 Cr
FY 2025 · -19% margin
- Total Equity Funding$12.88M (USD)
in 7 rounds
- InvestorsAngel List
& 76 more
- Employee Count152
Associated legal entities of Credilio
Credilio operates through Credilio Financial Technologies Private Limited (active). Its filings, financials, charges and directors are on the company page.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2025) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Credilio Financial Technologies Private Limited CIN U72900MH2020PTC342791 | Active | 28 Jul 2020 | Mumbai, Maharashtra | ₹80.5 Cr | 152 | 7 | View details |
Products & Services of Credilio
Credilio offers a comprehensive portfolio of products and services, including SBM Credilio Credit Card, Credilio Play, novio App, and Credilio Pro.
A guaranteed credit card with zero joining fees.
API stack for businesses to sell financial products.
App to optimize credit card spends and savings.
Platform for DSAs to sell financial products digitally.
Apps and channels of Credilio
Credilio publishes 1 mobile app with over 500K+ downloads; its YouTube channel CREDILIO has 849 subscribers and 17 videos.
Videos from Credilio
The most watched videos on Credilio's YouTube channel, CREDILIO (849 subscribers). Click a video to play it here.
More on CREDILIO.
Funding Insights of Credilio
Credilio has successfully raised a total of $12.88M across 7 strategic funding rounds. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding $12.88M
- Total Rounds 7
- First Round $758,802
(Apr 2021)
- Investors Count 75
All 10 funding rounds of Credilio with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Apr 2026 | $8.28M | Series A | – | Cornerstone Ventures | Shepherd's Hill Group,Roots Ventures |
| Apr 2026 | $2.44M | Debt – Venture | – | – | Innoven Capital,Alteria Capital |
| Apr 2026 | $8.28M | Series A | – | Cornerstone Ventures | |
| Apr 2026 | $2.44M | Debt – Venture | – | – | |
| Mar 2026 | $3.3M | Series A | – | Cornerstone Ventures | – |
| Mar 2026 | $3.3M | Series A | – | – | |
| Jan 2025 | $2.04M | Seed | $30.79M | Cornerstone Venture Partners Fund | |
| Jan 2025 | $2.03M | Seed | – | Cornerstone Ventures | |
| Mar 2023 | $2.78M | Seed | $30.75M | – | |
| Mar 2023 | $2.78M | Seed | – | – |
| Date | Valuation | Stage |
|---|---|---|
| Jan 2025 | $30.79M | •••••••• |
| Mar 2023 | $30.75M | •••••••• |
| Mar 2022 | $••••• | •••••••• |
| Apr 2021 | $••••• | •••••••• |
Full valuation and stage history of Credilio
Every valuation point, the growth-stage changes (minicorn, soonicorn, unicorn) and the dates behind them require an active premium plan.
- All valuation points
- Stage changes
- Dates
- Exports
Verified entity values are shown only after access is granted.
Last known valuation $30.79M (Jan 2025). 77 investors in total: 14 institutional and 63 angel.
Investors in Credilio
Credilio has secured backing from 77 investors, including venture fund, institutional, and angel investors. Prominent investors backing the company include Angel List, LetsVenture and Alteria Capital.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Venture capital fund investing in B2B technologies and enterprise solutions in India. | 2018 | csvpfund.com | Mumbai, India | |
Decima Ventures is engaged in technology-focused venture capital investments. | 2001 | decimaventures.com | Tel Aviv, Israel | |
Investment in B2B technology ventures from India for global markets. | 2013 | exfinityventures.com | Bengaluru, India | |
Venture debt financing is extended to companies across multiple sectors. | 2008 | innovencapital.com | Mumbai, India | |
Venture debt funding and structured finance for innovative startups in India. | 2018 | alteriacapital.com | Mumbai, India | |
Private equity firm focused in multiple sectors | investmentdna.tcc.mode | Delhi, India | ||
Private equity firm focused on multiple sectors | parvatiresources.tcc.mode | Kolkata, India | ||
| cornerstoneventures.vc | ||||
| roots-ventures.com | ||||
Alternative investment platform for startups and investors is operated. | 2010 | angellist.com | San Francisco, United States |
Investor details for Credilio
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
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Verified entity values are shown only after access is granted.
Board of directors of Credilio Financial Technologies Private Limited (Credilio)
Credilio Financial Technologies Private Limited is the primary company behind Credilio. The board of Credilio Financial Technologies Private Limited currently have 7 directors; the longest-serving is Aditya Gupta, appointed in 2020. 4 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Aditya Gupta DIN 03313991 | Director | 28 Jul 2020 | 6 yrs 3 mo | Credilio Financial Technologies Private Limited |
| Anand Bharat Kapadia DIN 05110365 | Director | 29 Aug 2020 | 6 yrs 1 mo | Credilio Financial Technologies Private Limited |
| Sandeep Bhimrao Ghule DIN 03538330 | Director | 24 Nov 2021 | 4 yrs 11 mo | Credilio Financial Technologies Private Limited |
| Amit Kumar Gupta DIN 08247085 | Director | 11 Mar 2022 | 4 yrs 7 mo | Credilio Financial Technologies Private Limited |
| Vatsal Jasmin Bavishi DIN 08564006 | Director | 11 Mar 2022 | 4 yrs 7 mo | Credilio Financial Technologies Private Limited |
| Deepak Satish Agrawal DIN 00408229 | Director | 03 May 2023 | 3 yrs 5 mo | Credilio Financial Technologies Private Limited |
| Shailesh Arvind Ghorpade DIN 03024832 | Director | 08 Sep 2025 | 1 yr 1 mo | Credilio Financial Technologies Private Limited |
People of Credilio
23 people are tracked at Credilio (11 in leadership, 1 in board & advisors, 11 in team); the tracked headcount is 152.
| Name | Role | Group |
|---|---|---|
Manish Sinha | Co-Founder | Leadership |
| Co-Founder & CEO | Leadership | |
| Co-Founder & CBO | Leadership | |
| Co-Founder & CPO | Leadership | |
Kartik Shanker | Chief Growth Officer & Head - Consumer Business | Leadership |
Prajyot Chakrawarti | Head - Consumer Products | Leadership |
Neelam Sanguri | Head, HR & Training Academy | Leadership |
Munjal Dhamecha | CTO | Leadership |
Rahul Shanker | Vice President | Leadership |
Alok Kanchan | Channel Partner | Leadership |
Rohit Agrawal | Assistant Vice President | Leadership |
| Tech Advisor | Board & advisors | |
| CPO | Team | |
Vijay Krishnan | Channel Sales - Credit Cards | Team |
Sanjeet Singh | Regional Sales Manager | Team |
Akshay Solanki | Sales And Operations Senior Manager | Team |
Shubham Gupta | Senior Software Engineer | Team |
Mrinal Kumar Singh | Lead Software Engineer | Team |
Pawan Pandey | Customer Service Manager | Team |
Aaditya P Sawant | Human Resources Manager | Team |
3 more people are available in the full profile.
Complete people profiles for Credilio
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
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Financials of Credilio
Figures of Credilio Financial Technologies Private Limited, the primary company behind Credilio, for FY 2025. Revenue was ₹80.55 Cr (-1% year on year). Net loss was -₹19.91 Cr. EBITDA was -₹15.60 Cr (-19% margin). Revenue has grown at a compounded annual rate of +126% over three years.
- ₹80.55 CrRevenue · FY 2025 · -1% YoY
- -₹19.91 CrNet loss
- -₹15.60 CrEBITDA · -19% margin
- ₹1.8 LakhPaid-up capital
- 152Employees (provident fund records)
- +126%Revenue CAGR, 3 years
Balance sheet, profit and loss, cash flow and ratios of Credilio Financial Technologies Private Limited are on its company page.
Detailed financial statements for Credilio
Statement rows, ratios, five-year trends and downloadable financials of the group companies require an active premium plan.
- Statement rows
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- Downloads
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Timeline of Credilio
4 dated milestones of Credilio across 6 years, from founding to its latest funding, stage changes and deals.
- Founded Credilio is founded.
- Funding First funding round of $759K.
- Milestone Reaches Minicorn status.
- Funding Latest funding round, Debt – Venture,.
Competitors of Credilio
Credilio has 3 listed competitors in our database, 3 of them funded. They include Kissht, Stashfin and Finnable.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| kissht.com | 2015 | Mumbai, India | $132.57M | 265 | Personal, business, and property loans are provided by Kissht. | |
| stashfin.com | 2016 | Gurugram, India | $115M | 175 | Digital lending and instant credit lines are provided to individuals. | |
| finnable.com | 2015 | Bengaluru, India | $33.9M | 1,409 | Online personal loans with minimal documentation are offered digitally. |
Detailed competitors of Credilio
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
- Full competitor set
- Operating metrics
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Verified entity values are shown only after access is granted.
Web traffic of Credilio
The website of Credilio (credilio.in) receives about 532K visits a month.
- Monthly visits532K
▼ 18.5% vs previous month
Websites whose visitors overlap most with Credilio. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
sbmbank.co.in | sbmbank.co.in | 100% | #1,016,704 | – | |
| idfcfirstbank.com | 79% | 3.9M | #11,461 | View details | |
| sbicard.com | 77% | 13.6M | #4,327 | View details | |
| hsbc.co.in | 75% | #29,295 | View details | ||
| hdfcbank.com | 74% | 54.1M | #641 | View details | |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
All 13 similar websites and full traffic analytics for Credilio
The complete similar-websites list, audience overlap and engagement analytics require an active premium plan.
- 13 similar websites
- Audience overlap
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- Traffic by brand
Verified entity values are shown only after access is granted.
Top companies in Alternative Lending
3 companies that operate in the same segment as Credilio (Alternative Lending) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Payment acceptance and processing solutions provider for businesses | 2018 | Gurugram, Haryana, India | USD 589.25 M | USD 179.52 M | 3,670 | |
Technology platform for real estate transactions and mortgages is provided. | 2014 | Gurugram, Haryana, India | USD 97.98 M | USD 28.9 M | 9,619 | |
Financial services are provided, specializing in personal and business loans. | 2016 | Mumbai, Maharashtra, India | USD 320.39 M | USD 106.45 M | 2,161 |
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Related news about Credilio
Complete news archive for Credilio
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Frequently Asked Questions about Credilio
Credilio was founded in 2020 and raised its 1st funding round 1 year after it was founded.
Credilio is headquartered in Mumbai, India. It is registered at Mumbai, Maharashtra, India.
Aditya Gupta is the CEO of Credilio, as recorded in our data. They have also founded this company.
Credilio is a funded company, having raised a total of $12.88M across 7 funding rounds to date. The company's 1st funding round was a Seed of $2.78M, raised on Apr 2021.
Credilio has 152 employees.
The primary company behind Credilio, Credilio Financial Technologies Private Limited, reported revenue of ₹80.55 Cr for FY 2025, down 1% year on year.
A personal finance platform is managed by Credilio, connecting banks, financial advisors, and consumers through digital solutions. Services are provided in the form of credit cards, loans, and API stacks for businesses. The platform is focused on simplifying personal finance for individuals and enabling businesses to monetize their customer base. Partnerships are maintained with over 35 leading banks and NBFCs in India. Security and trust are ensured through high-degree encryption and industry-standard protocols.
Credilio offers SBM Credilio Credit Card, Credilio Play, novio App, and Credilio Pro.
Credilio has 77 investors. Key investors include Angel List, LetsVenture, Alteria Capital, Exfinity Venture Partners, and Cornerstone Venture Partners Fund.
The valuation of Credilio is $30.79M as of Jan 2025.
Credilio operates through Credilio Financial Technologies Private Limited.