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Paisabazaar

Paisabazaar is an digital platform specializing in consumer credit products, including loans, credit cards, and free services, operating as a of PB Fintech Limited. Founded in 2014 in Gurugram by Yashish Dahiya, Alok Bansal, and Naveen Kukreja, it aims to simplify decisions through technology-driven comparisons and transparent access to financial offerings. The platform enables users to compare and apply for a range of products such as personal loans, home loans, business loans, and credit cards from multiple banks and non-banking financial companies (NBFCs), while also providing credit reports, advisory services, and tools for investments. With partnerships exceeding 65 across the lending ecosystem, including major banks, NBFCs, and credit bureaus, Paisabazaar has facilitated financial access for over 50 million customers across 823 cities in as of 2025. By 2019, it had achieved an annualized loan disbursal rate of USD 1 billion, and as of Q2 FY26, loan disbursals reached ₹343 billion on an annual run-rate basis. In recent years, Paisabazaar has expanded its offerings to include fixed deposits, corporate bonds, and a management platform called PB Money, built on the Account Aggregator framework, aiming to create a comprehensive financial ecosystem. The company has also ventured into offline retail with its first store in Gurugram in 2024, planning to scale to 100 locations in major metros to blend digital and physical advisory services. Recognized with awards such as Best Lender and Most Innovative Digital Lender, Paisabazaar continues to innovate in the sector under PB Fintech's umbrella, which also owns the aggregator .

Overview

Founding and operations

Paisabazaar was founded in 2014 in Gurugram, , by Yashish Dahiya, Alok Bansal, and Naveen Kukreja. The company was established as a digital financial marketplace aimed at simplifying access to credit products for Indian consumers. Headquartered in Gurugram, , Paisabazaar operates primarily through an online platform that facilitates comparisons of various financial products, targeting the needs of individual users across . Its core operations emphasize a technology-driven approach to connect consumers with lenders and , leveraging data analytics to provide personalized recommendations. Initially launched as a comparison platform focused on loans and credit cards, Paisabazaar enabled users to evaluate options from multiple providers without physical branch visits. Over the years, it has evolved into a comprehensive , expanding its digital infrastructure to support end-to-end application processes and disbursals. Paisabazaar functions as a key subsidiary within PB Fintech Limited, the parent entity formerly known as the PolicyBazaar group, which was restructured post-founding to integrate insurance and lending operations under a unified framework.

Business model

Paisabazaar operates as a aggregator in the space, connecting consumers seeking personal loans, credit cards, and other credit products with a network of over 60 lending partners, including banks and non-banking financial companies (NBFCs). Through its online platform, users can compare options based on eligibility, interest rates, and terms using tools like checks and personalized recommendations, without Paisabazaar underwriting loans or holding itself. The company earns revenue primarily through commissions paid by lenders for qualified leads generated and successful loan disbursals, typically ranging from 1-3% of the disbursed amount, following an that minimizes capital exposure. At the core of its operations is the proprietary 'Paisabazaar Stack,' an end-to-end digital lending platform built on cloud infrastructure and powered by and algorithms for credit assessment, fraud detection, and risk scoring. This technology enables rapid processing, allowing unsecured personal loans to be disbursed in as little as 3-5 hours from application, by automating document , eligibility checks, and integration with partners' systems via . The stack also supports data analytics to refine product matching, enhancing conversion rates while ensuring compliance with regulatory standards like those from the . In 2023, Paisabazaar evolved its beyond one-time commissions on leads and disbursals toward recurring streams by introducing SaaS-based services, including digital ledger platforms for transaction tracking and solutions tailored for small businesses and gig workers. These offerings provide ongoing subscription fees to partners for tools that facilitate underwriting, employee financing, and , aiming to diversify income and target underserved segments like new-to-credit consumers. This shift supports long-term partnerships with lenders, reducing dependency on transactional fees. Paisabazaar holds a dominant position in India's digital consumer market, commanding a 51.4% share of disbursals as reported for fiscal year 2020 by industry analysts , underscoring its scale in facilitating over ₹343 billion in annual run-rate volumes as of recent quarters. To complement its digital-first approach, the company launched its first physical in Gurugram in September 2025, offering hybrid services such as in-person consultations for products and document assistance, with plans to expand to 100 outlets across major cities like , Delhi-NCR, , and . This offline push aims to bridge accessibility gaps for less digitally savvy users while integrating with the core online ecosystem.

Products and services

Lending products

Paisabazaar's lending products form the core of its , facilitating access to various options through partnerships with . These offerings include unsecured and secured loans, as well as services, enabling users to compare and apply for financing tailored to , , and needs. loans on Paisabazaar are unsecured options designed for quick needs, with rates starting at 9.98% and loan amounts up to ₹40 . The uses algorithm-based technology to match users with pre-approved offers from over 30 lenders, such as and , allowing for instant approvals and minimal documentation. Home loans and loans against property represent Paisabazaar's secured lending products, where borrowers pledge property as to secure larger amounts for purchases or other purposes. These offerings target significant growth, with the company aiming to increase their share to 50% of total disbursals, up from around 15% as of 2024, through expanded distribution and offline channels. Business loans are tailored for (SMEs), providing options like financing and expansion loans, available in both unsecured and secured formats from partners including . Users can compare rates starting from 14.99% p.a. and apply online with streamlined processes. Credit card services on the platform focus on comparison and application facilitation from multiple banks, offering over 35 options to suit various spending profiles and rewards needs. The scale of disbursals has grown substantially, reaching an annualized rate of USD 1 billion as early as 2019, supported by partnerships with more than 25 lenders specifically for secured products. These lending products serve as the primary revenue driver for Paisabazaar through commissions on successful applications.

Other financial services

Paisabazaar offers free services through integration with CIBIL, allowing users to check their scores using details and monitor changes over time directly on the platform. This feature provides consumers with easy access to health insights without additional costs, helping them understand eligibility for financial products. In September 2025, Paisabazaar expanded into options by launching fixed deposits (FDs) and corporate bonds targeted at retail investors. Users can compare interest rates from multiple banks and non-banking financial companies (NBFCs) via the app, with FDs offering up to 8.05% per annum, and invest seamlessly in a single interface. Corporate bonds, rated to , provide fixed returns up to 13.25% with options for flexible payouts, enabling diversification amid equity market fluctuations. These offerings complement lending by allowing users to park surplus funds securely. Paisabazaar introduced the PB Money platform in March 2025 as a management tool, leveraging the Account Aggregator framework to consolidate users' bank accounts, mutual funds, and stock portfolios into a unified . The platform delivers data-driven insights, personalized investment advice, and actionable recommendations to enhance financial wellness and decision-making. Through its parent company PB Fintech's acquisition of Pensionbazaar.com in August 2025, Paisabazaar entered the pension distribution space, integrating these services to offer options as a wholly-owned . This move broadens access to pension products for users seeking long-term savings solutions. To support high-yield bond investments during 2025's market volatility, Paisabazaar collaborated with issuers and platforms like Grip Invest, facilitating access to attractive corporate bonds that offset equity risks with stable returns.

History

Establishment and early growth

Paisabazaar was established in 2014 in , as a digital platform for comparing and applying for personal loans and credit cards, operating under the Group to address the lack of transparency in India's lending market. Co-founded by Yashish Dahiya, Alok Bansal, and Naveen Kukreja, it began as a simple comparison site aimed at simplifying access to credit products through unbiased recommendations and easy online applications. In the nascent Indian space of the mid-2010s, where digital lending was emerging amid limited competition from traditional banks, Paisabazaar differentiated itself by prioritizing transparency and user education to build trust in an opaque sector. The platform saw rapid user adoption in its initial years, reaching millions of consumers and facilitating significant volumes by 2016-2017 as internet penetration grew in . By 2017, Paisabazaar had emerged as a leader in digital loan disbursals and launched India's largest credit awareness initiative, providing free monthly credit scores to promote . This period marked early milestones, including the 2016 ET Best Brand award and the 2017 Moneytech Awards for Best Customer Experience Innovation and Startup of the Year. Through the late 2010s, Paisabazaar was consolidated under PB Fintech, the parent entity shared with , enabling synergies in technology and operations to scale efficiently. Pre-2020 growth included expansions into services, with over 40 million users from 823 cities accessing free reports by 2019, and basic personalization via integrations like , , and for credit inquiries. By 2018, it had disbursed Rs 5,000 in unsecured loans since , reflecting robust adoption, and achieved an annualized USD 1 billion in loan disbursals in 2019, underscoring its pivotal role in democratizing .

Expansion and milestones

The in 2020 and 2021 initially caused Paisabazaar to lose approximately 90% of its revenue as lending partners paused activities, but the company adapted through strategic pivots, enabling it to solidify its position as India's largest digital consumer credit marketplace. This resilience culminated in the successful (IPO) of its parent company, PB Fintech, in November 2021, which raised approximately ₹5,709 crore at an issue price of ₹980 per share and listed at a 17% premium. In and , Paisabazaar pivoted toward recurring models to enhance , achieving operational profitability by December and targeting one-third of its from such streams within the next few years. Key initiatives included the introduction of SaaS-based solutions and ledgers, which allowed the platform to earn ongoing commissions from equated monthly installments (EMIs) and subscription services rather than relying solely on one-time fees. By 2024, in response to () regulations tightening unsecured lending, Paisabazaar strategically shifted focus to secured products like home loans and loans against , partnering with over 25 lenders to increase secured disbursals from 15% to a targeted 50% of total volume. This adaptation supported a 123% year-on-year rise in overall lending disbursals to ₹7,003 crore in the first quarter of fiscal 2025. In 2025, Paisabazaar marked several expansions, launching PB Money in March as a management platform offering unified overviews, investment advisory, and data-driven insights via the Account Aggregator framework. The company opened its first offline retail store in Gurugram in September to bridge digital and physical access for secured credit, with plans for 100 additional outlets in major cities like and . Later that month, it entered the space by introducing corporate bonds and fixed deposits (FDs) on its app, enabling retail investors to compare and invest starting from ₹1,000 in SEBI-regulated instruments yielding up to 13.25%. This period of expansion transformed Paisabazaar from an early-stage startup into a leader, with annualized disbursals reaching ₹34,300 by the second quarter of fiscal 2026 and over 50 million users accessing its credit awareness tools.

Funding and financial performance

Investment history

Paisabazaar, operating under its parent company PB Fintech Limited (formerly EtechAces Marketing and Consulting Private Limited), benefited from multiple rounds spanning from 2008 to 2021 that supported its growth as a . The company's first round occurred on September 24, 2008, marking the beginning of its venture-backed journey. Over the next decade, PB Fintech secured a total of approximately $443 million across 11 rounds, with key investors including SoftBank, , , and . A pivotal early round was the Series B funding in April 2013, where PB Fintech raised $5 million led by Inventus Capital Partners, with participation from Ventures and . This investment focused on brand strengthening and operational expansion for its platforms, including Paisabazaar. Subsequent rounds built momentum, culminating in a landmark Series F investment in June 2018, when led a $200 million round that elevated PB Fintech to status with a valuation exceeding $1 billion. Pre-IPO funding continued with significant infusions, such as a $75 million round in April 2021 led by Falcon Edge Capital, alongside participation from existing investors like SoftBank and Tiger Global. These rounds, involving prominent global investors, provided the capital necessary for scaling Paisabazaar's lending aggregation services. In a notable development specific to Paisabazaar, the platform secured a $580,000 conventional round from on May 25, 2022, to support needs. PB Fintech transitioned to public markets with its (IPO) on November 1, 2021, listing on the National Stock Exchange (NSE) and (BSE) on November 15, 2021, after raising approximately ₹5,700 (about $763 million) in an oversubscribed issue priced at ₹980 per share. The IPO valued the company at around $6.15 billion post-listing, reflecting strong investor confidence in its fintech ecosystem, including Paisabazaar.

Revenue and valuation

PB Fintech, the parent company of Paisabazaar, achieved a pre-IPO valuation of approximately $4-5 billion in 2021, reflecting its growth as a leading digital financial marketplace prior to its public listing. This valuation marked a significant increase from earlier funding rounds, underscoring the company's expanding role in lending and aggregation. Paisabazaar's contributions to this valuation were driven by its market leadership in consumer credit, where it held a substantial share based on disbursals. Revenue for Paisabazaar demonstrated double-digit quarterly growth through much of the early , fueled by rising loan disbursals and credit product adoption, until a slowdown emerged in 2024 due to shifts toward secured lending amid regulatory pressures on unsecured . In response to these challenges, PB Fintech implemented cost controls at Paisabazaar in 2024 to address profitability pressures from stricter guidelines on lending practices. By early 2025, the parent company's Q1 results showed resilience, with overall operating revenue reaching Rs 1,348 , up 33% year-over-year, though Paisabazaar's core revenue declined 22% to Rs 102 due to the ongoing transition. Paisabazaar's disbursal metrics highlighted its scale, achieving an annualized disbursal run-rate exceeding USD 1 billion as early as 2019, with to USD 1.1 billion by , supported by access to credit across hundreds of cities and a dominant in digital consumer lending. In FY25, total disbursals reached Rs 20,465 , emphasizing secured products amid the regulatory environment. As of 2025, Paisabazaar remains a key driver of PB Fintech's lending revenue, contributing Rs 106 in Q2 FY26 despite a 22% year-over-year decline, as detailed in the company's public financial filings. The segment's focus on profitability and continues to bolster the overall valuation, with PB Fintech's exceeding $9 billion in late 2025.

Leadership and organization

Key executives

Paisabazaar, as a subsidiary of PB Fintech Limited, was co-founded by Yashish Dahiya, Alok Bansal, and Naveen Kukreja in 2014. Yashish Dahiya serves as the Chairman and Group CEO of PB Fintech, overseeing the overall strategic direction of the group, including Paisabazaar's integration into broader operations. Alok Bansal, the co-founder and Executive Vice Chairman of PB Fintech, contributes to and long-term vision, with his role reappointed for a five-year term in August 2025. Naveen Kukreja, a co-founder, led Paisabazaar as CEO for 11 years until his transition in February 2025. In February 2025, PB Fintech announced a leadership reshuffle at Paisabazaar, appointing Santosh Agarwal as CEO effective March 1, 2025. Agarwal, previously the for at , reports directly to Yashish Dahiya and focuses on driving Paisabazaar's credit distribution growth, including lending product expansions. This change followed Kukreja's decision to step down from the CEO role in February 2025; he briefly transitioned to a Group President position at PB Fintech before departing the company in April 2025 to pursue a new venture. The current executive team at Paisabazaar includes key leaders managing technology, operations, and marketing to support lending and expansion strategies. Mukesh Sharma, as , leads the technology vertical, emphasizing digital infrastructure for Paisabazaar's lending marketplace. Dhiraj Kalra serves as , handling operational efficiency and scaling of services. Sachin Vashishtha, the , directs branding, , and customer acquisition efforts to enhance Paisabazaar's reach in the sector.

Workforce

Paisabazaar's workforce peaked at over 3,000 employees prior to 2020. Following subsequent reductions for , the headcount stood at approximately 3,550 as of 2024. In November 2024, the parent company PB Fintech announced plans for additional workforce reductions as part of broader cost-cutting measures in response to a in unsecured . These 2024-2025 initiatives aimed to streamline operations and enhance financial . The company's organizational structure emphasizes specialized teams, including tech-focused groups dedicated to and for optimizing lending processes, such as rapid loan disbursals using Azure AI technologies. Sales teams handle partnerships with over 65 banks, non-banking financial companies, and fintechs to facilitate product distribution. Operations are primarily based in Gurugram, , where the coordinates daily activities across these functions. Paisabazaar's culture prioritizes innovation within the sector, leveraging technology partnerships like those with to drive digital lending advancements. Following the launch of its first offline store in Gurugram in September 2025, the company adopted hybrid work models to support both digital operations and physical expansion, with plans for 100 additional stores across major Indian cities. This blend of elements underscores a commitment to accessible . In the broader Indian sector, employee rates hover around 25-29%, reflecting competitive talent dynamics. Paisabazaar addresses this through diversity and inclusion efforts, including activities that contribute to a more balanced workplace environment. programs are utilized to mitigate turnover by enhancing skills in areas like and sales, fostering retention amid sector-wide challenges.

Regulatory issues and controversies

Layoffs

In June 2020, Paisabazaar, the digital lending arm of PB Fintech, laid off over 1,500 employees, representing nearly half of its workforce of more than 3,000, as a direct response to the economic pressures of the COVID-19 pandemic. The company faced a 90% decline in new loan demand and customer acquisition, exacerbated by nationwide lockdowns and reduced liquidity in the fintech sector, prompting these cuts to preserve cash and streamline operations. The layoffs were implemented suddenly, with affected employees notified in mid-June and required to serve a one-month ending June 30, 2020. They primarily targeted non-core roles in operations and business acquisition teams, which had expanded rapidly during pre-pandemic growth but became unsustainable amid the downturn. Approximately 100 employees, including some senior executives, were absorbed into the parent company to mitigate the full extent of the reductions. These measures enabled Paisabazaar to shift toward leaner operations, reducing operational costs at a time when loan approval volumes had fallen to 10-25% of pre-crisis levels. While the layoffs contributed to the company's survival during , they reflected broader challenges in India's , where similar workforce reductions were common to address revenue shortfalls. No major mass layoffs have occurred at Paisabazaar since 2020. In late 2024, amid a slowdown in unsecured lending, PB Fintech announced plans for cost corrections at the unit, potentially including workforce reductions, but these have been described as targeted adjustments rather than large-scale events.

RBI regulations and adaptations

In 2024, the (RBI) intensified its regulatory oversight on unsecured lending to mitigate risks such as over-leveraging and rising delinquencies in the sector. The RBI introduced stricter guidelines in November 2024, including higher risk weights for unsecured loans and enhanced vigilance on lending practices, which significantly slowed growth in digital lending portfolios. This crackdown prompted revenue interruptions for platforms like Paisabazaar, where unsecured products had previously dominated disbursals, leading to a broader deceleration in the sector's expansion amid concerns over and operational vulnerabilities. To adapt, Paisabazaar pivoted toward secured lending options, such as home loans and , forging partnerships with 25 lenders to bolster its distribution network. The platform aimed to elevate secured disbursals to 50% of its total portfolio, up from approximately 15% in the prior fiscal year, by expanding offline channels with dedicated field staff in major cities. This strategic shift aligned with RBI's emphasis on risk-controlled lending and helped mitigate the impact of curtailed unsecured offerings. By 2025, Paisabazaar further enhanced compliance through product diversification, launching offerings in fixed deposits (FDs) and corporate bonds on its platform in September to provide investors with SEBI-regulated options yielding up to 13.25%. Accompanying these expansions were cost-reduction measures by its , PB Fintech, to navigate the ongoing slowdown in unsecured lending. These adaptations positioned Paisabazaar within the wider ecosystem's response to scrutiny, sustaining its market leadership in aggregation despite sector-wide challenges.

Income tax notices

In November 2024, Paisabazaar received notices from the seeking responses on payments made to certain vendors and related parties, as part of routine tax assessments. In April 2025, the disallowed Rs 85.6 crore in expense claims by Paisabazaar Marketing and Consulting Private Limited (a PB Fintech ), issuing a demand notice of Rs 9.32 crore. The company stated it would the assessment order, viewing it as a standard tax proceeding without material impact on operations. As of November 2025, no further major resolutions or additional notices have been publicly reported.

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