Vivriti Capital — Digital Lending Partnerships & Profile
Vivriti Capital Limited. NBFC in India's digital lending ecosystem, with 21 tracked digital lending partnerships.
Snapshot
Reading the data
Vivriti Capital is an RBI-registered NBFC, rated CRISIL A+ / Stable, with ₹9,302 Cr in AUM as of 2025-03. Our Market Map tracks 21 digital lending partnerships for Vivriti Capital, including Adhikosh Financial Advisory Pvt Ltd (Kosh), ADJ Utility Apps Private Limited and Axio Digital Private Limited. Cost of funds runs at 9.2% (proxied from market instruments, not directly disclosed) as of 2025-03 — the single most important number for judging what partnership economics it can support. Product focus: business/MSME loans, supply chain finance across tickets of ₹5L–₹70 Cr and tenures of 3–84 months. The platform is PE Backed with roughly ₹1,630 Cr raised (last round 2025-09). Worth knowing: CoF proxy: yield 15.03 minus NIM 5.84. Enterprise plus co-lending. Equity ~1630Cr per group disclosure.
Products
Digital lending partnerships
| DLA / App | LSP / Owner | Available on |
|---|---|---|
| KOSH | Adhikosh Financial Advisory Pvt Ltd (Kosh) | Play Store: Kosh - Loan App |
| Khatabook App | ADJ Utility Apps Private Limited | Apple Store Khatabook Vyapar App |
| Axio | Axio Digital Private Limited | Apple Store |
| True Balance | Balancehero India Private Limited | App store |
| CASHe | Bhanix Finance and Investment Ltd | App store |
| Jodo | Bharosepe Technology Services Pvt Ltd. | Web |
| Branch- Personal Cash Loan App | Branch International Financial Services Private Limited | Play Store |
| CRED | Dreamplug Technologies Pvt. Ltd. | Apple Store |
| FlexiLoans: Business Loans | Epimoney Private Limited | Play Store |
| Finnable Personal Loan App | Finnable Technologies Private Limited | Apple Store |
| Kreditbee | Finnovation Tech Solutions Private Limited | Apple Store |
| Finsall Resources Pvt Ltd. | Finsall Resources Pvt Ltd. | Web |
| Upwards by Lendingkart. | Lendingkart Technologies Private Limited | Play Store: |
| Moneyview | Moneyview Private Limited formerly known asWhizdm Innovations Private Limited | Apple Store |
| Mobikwik | One Mobikwik Systems Ltd | Apple |
| PaywithRING (by Kissht) | OnEMI Technology Solutions Private Limited | App store |
| Okcredit | Psi Phi Global Solutions Private Limited | Apple Store |
| Slice | slice Small Finance Bank Ltd | Apple Store |
| Olyv (SmartCoin) | SmartCoin Financials Private Limited | Playstore |
| Fibe | Social Worth Technologies Pvt Ltd. | App store |
| WeRize Customer App | Wortgage Technologies Private Limited | Google Play |
Frequently asked questions
Who are Vivriti Capital's digital lending partners?
Vivriti Capital has 21 digital lending partnerships tracked in the RBI digital lending registry, including Adhikosh Financial Advisory Pvt Ltd (Kosh), ADJ Utility Apps Private Limited, Axio Digital Private Limited, Balancehero India Private Limited.
What is Vivriti Capital's AUM and cost of funds?
Vivriti Capital reports AUM of ₹9,302 Cr (2025-03) and cost of funds of 9.2% (proxy estimate), per public filings and rating documents.
What products does Vivriti Capital offer through digital lending?
Vivriti Capital is active in business/MSME loans, supply chain finance, with ticket sizes from ₹5L to ₹70 Cr.
How do I evaluate Vivriti Capital as a lending partner?
Run your product type, rate band, and ticket size through our Partner Finder to see whether Vivriti Capital fits your model, and compare alternatives on the Market Map.
Does Vivriti Capital fit your lending model?
Answer three questions and see which partners match your product, rate band, and ticket size — Vivriti Capital included.
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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.