Profectus Capital Pvt. Ltd. — Digital Lending Partnerships & Profile
NBFC in India's digital lending ecosystem, with 4 tracked digital lending partnerships.
Snapshot
Reading the data
Profectus Capital Pvt. Ltd. is an RBI-registered NBFC, rated CRISIL A- / Rating Watch, listed (Subsidiary-Parent), with ₹3,468 Cr in AUM as of 2025-03. Our Market Map tracks 4 digital lending partnerships for Profectus Capital Pvt. Ltd., including One 97 Communications Limited, One97 Communications Limited. Cost of funds runs at 13.9–14.5% (proxied from market instruments, not directly disclosed) as of 2025-06 — the single most important number for judging what partnership economics it can support. Product focus: business/MSME loans, loans against property, education loans, supply chain finance across tickets of ₹5L–₹15 Cr and tenures of 12–180 months. Worth knowing: Acquired by UGRO Capital Dec 2025 from Actis PE for 1400Cr. CoF proxy 13.86-14.47pct. LAP 37pct School 24pct. Caution: on rating watch — factor this into any partnership or exposure decision.
Products
Digital lending partnerships
| DLA / App | LSP / Owner | Available on |
|---|---|---|
| Paytm for Business | One 97 Communications Limited | Google Play Store |
| www.profectuscapital.com | One 97 Communications Limited | Apple App Store |
| Paytm | One97 Communications Limited | Apple app store |
| Paytm for Business | One97 Communications Limited | Apple app store |
Frequently asked questions
Who are Profectus Capital Pvt. Ltd.'s digital lending partners?
Profectus Capital Pvt. Ltd. has 4 digital lending partnerships tracked in the RBI digital lending registry, including One 97 Communications Limited, One97 Communications Limited.
What is Profectus Capital Pvt. Ltd.'s AUM and cost of funds?
Profectus Capital Pvt. Ltd. reports AUM of ₹3,468 Cr (2025-03) and cost of funds of 13.9–14.5% (proxy estimate), per public filings and rating documents.
What products does Profectus Capital Pvt. Ltd. offer through digital lending?
Profectus Capital Pvt. Ltd. is active in business/MSME loans, loans against property, education loans, supply chain finance, with ticket sizes from ₹5L to ₹15 Cr.
How do I evaluate Profectus Capital Pvt. Ltd. as a lending partner?
Run your product type, rate band, and ticket size through our Partner Finder to see whether Profectus Capital Pvt. Ltd. fits your model, and compare alternatives on the Market Map.
Does Profectus Capital Pvt. Ltd. fit your lending model?
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Primary source type: Rating-Rationale. Data confidence: High. 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.