About Spheeti Fintech
Spheeti Fintech is a Financial Services company based in Ulhasnagar (India) founded in 2018 by Karan Lalchandani. It offers digital personal loans, gold loans, and credit card refinancing via WhatsApp platforms. It operates on a D2C and B2C model. Its Indian entity Spheeti Fintech Private Limited reported revenue of ₹1.01 Cr. Spheeti Fintech offers products and services including Credit Card Refinance, Personal Loan, and Gold Loan. Its focus areas include FinTech, Lending Tech, Secured Loans and Asset-Backed Financing. Its competitors include Kissht, Stashfin, Money View, CASHe and True Balance and 5 more; 10 of its 10 listed competitors have raised funding.
Company details
Spheeti Fintech operates as a New Generation NBFC, delivering innovative financial services like credit card refinancing, unsecured personal loans, and gold loans through digital channels such as WhatsApp. It focuses on simplifying access to funds for individuals and businesses in India, emphasizing minimal documentation and quick approvals. Based in Maharashtra, the company serves customers with tailored solutions for emergencies, personal expenses, and business growth, prioritizing transparency and customer-centric approaches.
- Headquarters Ulhasnagar, India
- Founders Karan Lalchandani
- SectorsFinancial Services
- Phone•••• ••••
- Website spheetifintech.com
- Social LinkedIn Facebook Instagram
- Legal Name Spheeti Fintech Private Limited
- Date of Incorporation 08 Mar, 2018
- Annual Revenue₹1.01 Cr
FY 2025 · +3% YoY
- Net Loss-₹6.3 Lakh
FY 2025 · -6% margin
- EBITDA₹13.9 Lakh
FY 2025 · 14% margin
Associated legal entities of Spheeti Fintech
Spheeti Fintech operates through Spheeti Fintech 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 |
|---|---|---|---|---|---|---|---|
| Spheeti Fintech Private Limited CIN U65929MH2018PTC306088 | Active | 08 Mar 2018 | Mumbai, Maharashtra | ₹1.0 Cr | – | 2 | View details |
Products & Services of Spheeti Fintech
Spheeti Fintech offers a comprehensive portfolio of products and services, including Credit Card Refinance, Personal Loan, and Gold Loan.
Consolidates credit card debt into manageable payments via WhatsApp.
Provides funds for personal needs like travel or emergencies without collateral.
Offers loans against gold for urgent funds and business expansion needs.
Board of directors of Spheeti Fintech Private Limited (Spheeti Fintech)
Spheeti Fintech Private Limited is the primary company behind Spheeti Fintech. The board of Spheeti Fintech Private Limited currently have 2 directors; the longest-serving is Kamal Gopichand Lalchandani, appointed in 2019. 6 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Kamal Gopichand Lalchandani DIN 08111334 | Director | 06 Feb 2019 | 7 yrs 8 mo | Spheeti Fintech Private Limited |
| Inder Tolaram Bhatia DIN 08353590 | Director | 06 Feb 2019 | 7 yrs 8 mo | Spheeti Fintech Private Limited |
People of Spheeti Fintech
1 people are tracked at Spheeti Fintech (1 in leadership).
| Name | Role | Group |
|---|---|---|
Karan Lalchandani | Founder | Leadership |
Complete people profiles for Spheeti Fintech
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Financials of Spheeti Fintech
Figures of Spheeti Fintech Private Limited, the primary company behind Spheeti Fintech, for FY 2025. Revenue was ₹1.01 Cr (+3% year on year). Net loss was -₹6.3 Lakh (-6% margin). EBITDA was ₹13.9 Lakh (14% margin). Revenue has grown at a compounded annual rate of +12% over three years and +45% over five years.
- ₹1.01 CrRevenue · FY 2025 · +3% YoY
- -₹6.3 LakhNet loss · -6% margin
- ₹13.9 LakhEBITDA · 14% margin
- ₹3.50 CrPaid-up capital
- +12%Revenue CAGR, 3 years
- +45%Revenue CAGR, 5 years
Balance sheet, profit and loss, cash flow and ratios of Spheeti Fintech Private Limited are on its company page.
Detailed financial statements for Spheeti Fintech
Statement rows, ratios, five-year trends and downloadable financials of the group companies require an active premium plan.
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- Downloads
Verified entity values are shown only after access is granted.
Competitors of Spheeti Fintech
Spheeti Fintech has 10 listed competitors in our database, 10 of them funded. They include Kissht, Stashfin, Money View, CASHe and True Balance, among others.
| 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. | |
| moneyview.in | 2014 | Bengaluru, India | $219.84M | 718 | Loans, credit cards, gold investments, insurance, and UPI are provided. | |
| cashe.co.in | 2016 | Mumbai, India | $33.57M | 4 | Online instant personal loans are provided to salaried professionals. | |
| truebalance.io | 2014 | Gurugram, India | $90M | 119 | Personal loans and prepaid instruments are provided via mobile wallet. | |
| mpokket.in | 2016 | Kolkata, India | $7.77M | 2,226 | Provider of a digital lending platform offering instant personal loans to underserved youth, providing financial solutions through a mobile app | |
| myshubhlife.com | 2016 | Bengaluru, India | $29.01M | 144 | Embedded finance and personal loan solutions for businesses are offered. | |
| olyv.co.in | 2017 | Bengaluru, India | $26.71M | 21 | Personal loans and savings options are provided for users. | |
| loantap.in | 2016 | Pune, India | $44.1M | 163 | Various personal and business loans are offered through the platform. | |
| rupeeredee.com | 2018 | Gurugram, India | $5.7M | 218 | Online platform is provided for short-term, unsecured personal loans. |
Detailed competitors of Spheeti Fintech
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
- Full competitor set
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Web traffic of Spheeti Fintech
The website of Spheeti Fintech (spheetifintech.com) receives about 8.7K visits a month.
- Monthly visits8.7K
▼ 78.7% vs previous month
Top companies in Asset Finance
10 companies that operate in the same segment as Spheeti Fintech (Asset Finance), ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Vehicle and housing finance products are offered across India. | 2008 | Chennai, Tamil Nadu, India | USD 276.07 M | USD 10.55 M | 14,664 | |
Provider of consumer & SME loans and equipment & vehicle leasing services | 1954 | Chennai, Tamil Nadu, India | – | USD 1.04 B | 6,890 | |
Online B2B rentals of heavy machinery and equipment are facilitated. | 2014 | Mumbai, Maharashtra, India | USD 36.22 M | USD 58.16 M | 36 | |
Aircraft leasing services are provided to airlines worldwide. | 2010 | Los Angeles, California, United States | USD 1.39 B | USD 2.57 B | 165 | |
Railcar leasing services are provided to rail industry clients worldwide. | 1898 | Chicago, Illinois, United States | – | USD 1.74 B | 2,150 | |
Loan transitions are facilitated between lending partners and institutional investors. | 2016 | New York, New York, United States | USD 146.3 M | USD 1.26 B | 553 | |
Insurance brokerage and financial services are provided in Egypt. | 2001 | Cairo, Egypt | USD 56 M | – | – | |
Provider of aircraft leasing services | 2016 | Amsterdam, Netherlands | USD 400 M | – | – | |
Aircraft are leased to airlines worldwide by AerCap. | 1996 | Dublin, Ireland | – | USD 7.42 B | 699 | |
Diversified financial services are provided across multiple sectors. | 1878 | London, England, United Kingdom | – | USD 1.6 B | 4,000 |
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Frequently Asked Questions about Spheeti Fintech
Spheeti Fintech was founded in 2018.
Spheeti Fintech is headquartered in Ulhasnagar, India. It is registered at Ulhasnagar, Maharashtra, India.
The primary company behind Spheeti Fintech, Spheeti Fintech Private Limited, reported revenue of ₹1.01 Cr for FY 2025, up 3% year on year.
Spheeti Fintech operates as a New Generation NBFC, delivering innovative financial services like credit card refinancing, unsecured personal loans, and gold loans through digital channels such as WhatsApp. It focuses on simplifying access to funds for individuals and businesses in India, emphasizing minimal documentation and quick approvals. Based in Maharashtra, the company serves customers with tailored solutions for emergencies, personal expenses, and business growth, prioritizing transparency and customer-centric approaches.
Spheeti Fintech's top competitors include Stashfin, Money View and Kissht.
Spheeti Fintech offers Credit Card Refinance, Personal Loan, and Gold Loan.
Spheeti Fintech operates through Spheeti Fintech Private Limited.
The legal entities of Spheeti Fintech currently have 2 directors, including Kamal Gopichand Lalchandani, Inder Tolaram Bhatia.