Niyogin Fintech — Digital Lending Partnerships & Profile
Niyogin Fintech Limited. NBFC in India's digital lending ecosystem, with 15 tracked digital lending partnerships.
Snapshot
Reading the data
In India's digital lending stack, Niyogin Fintech operates as an RBI-registered NBFC, rated CRISIL BBB- / Negative, listed (BSE), with ₹321 Cr in AUM as of 2025-12. Our Market Map tracks 15 digital lending partnerships for Niyogin Fintech, including ?ADJ Utility Apps Private Limited, ADJ UTILITY APPS PRIVATE LIMITED and CAPITAL TRUST LIMITED. Product focus: business/MSME loans across tickets of ₹60K–₹1.5 Cr and tenures of 12–36 months. Worth knowing: AUM 321Cr Dec 2025. Very small NBFC. CoF not disclosed. B2B platform model. Caution: negative rating outlook — factor this into any partnership or exposure decision.
Products
Digital lending partnerships
| DLA / App | LSP / Owner | Available on |
|---|---|---|
| Khatabook | ?ADJ Utility Apps Private Limited | Website |
| KHATABOOK | ADJ UTILITY APPS PRIVATE LIMITED | Website |
| CAPITAL CONNECT | CAPITAL TRUST LIMITED | Google Play Store |
| FINSALL | FINSALL RESOURCES PRIVATE LIMITED | AppStore and Google Play Store |
| Finsall | Finsall Resources Private Limited | App Stores- Apple AppStore and Google Play |
| GLAAS | Gromor FINANCE PRIVATE LIMITED | Website |
| MEESHO | Meesho Payments Private Limited | Website |
| NINJA | Ninjacart Services Private Limited | Apple AppStore and Google Play Store |
| KARMALIFE | ONIONLIFE PRIVATE LIMITED | Website |
| Karmalife | Onionlife Private Limited | ?Website |
| PAYME | PAYME INDIA FINANCIAL SERVICES PRIVATE LIMITED | Website |
| Payme | PAYME INDIA FINANCIAL SERVICES PRIVATE LIMITED | Website |
| OKCREDIT | PSI PHI GLOBAL SOLUTIONS PRIVATE LIMITED | Google Play Store |
| NYE | Rapipay Fintech Private Limited | Website |
| NIRA FINANCE | Shuhari Tech Ventures Pvt Ltd | Google Play Store |
Frequently asked questions
Who are Niyogin Fintech's digital lending partners?
Niyogin Fintech has 15 digital lending partnerships tracked in the RBI digital lending registry, including ?ADJ Utility Apps Private Limited, ADJ UTILITY APPS PRIVATE LIMITED, CAPITAL TRUST LIMITED, FINSALL RESOURCES PRIVATE LIMITED.
What is Niyogin Fintech's AUM and cost of funds?
Niyogin Fintech reports AUM of ₹321 Cr (2025-12), per public filings and rating documents.
What products does Niyogin Fintech offer through digital lending?
Niyogin Fintech is active in business/MSME loans, with ticket sizes from ₹60K to ₹1.5 Cr.
How do I evaluate Niyogin Fintech as a lending partner?
Run your product type, rate band, and ticket size through our Partner Finder to see whether Niyogin Fintech fits your model, and compare alternatives on the Market Map.
Does Niyogin Fintech fit your lending model?
Answer three questions and see which partners match your product, rate band, and ticket size — Niyogin Fintech included.
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Primary source type: Investor-Presentation. Data confidence: Medium. Batch B2. Updated June 2026.
Data on this page is collated from public sources — the RBI Digital Lending App registry, rating agency rationales, and company disclosures — on a best-effort basis. Figures may be estimates (proxies are labelled), may be out of date, and may contain errors. Digital Lending.In makes no warranty of accuracy or completeness and accepts no liability for decisions made on this information. Nothing here is investment, legal, or partnership advice, or a recommendation of any institution. Verify independently before acting.