What we do Apollo Finvest (India) Ltd is a digital-first, publicly-listed non-banking financial company (NBFC) offering innovative digital lending solutions primarily through partnerships and co-lending models. |
Founded in 1,985 |
Market share A leading player in India's fintech NBFC space with a growing portfolio and strong digital lending footprint backed by partnerships with top fintech lenders. |
Problem solved Enables swift digital loan offerings with reduced processing costs to support financial inclusion and affordable credit for underserved retail segments. |
Top clients or who we serve Primarily serves retail customers through B2B partnerships with NBFCs and Lending Service Providers, enabling co-lending and digital loan distribution. |
Key management Mikhil Innani (Managing Director & CEO), Diksha Nangia (Whole Time Director & CFO) |
Our journey and innovations Started as telecom trading, diversified into financial services. Pioneered a fully digital lending NBFC platform in 2022 and expanded co-lending partnerships in 2023. |
Where we operate Operations primarily in India, focusing on domestic digital lending markets through fintech collaborations. |
Top products or what we offer Digital lending platform enabling rapid loan offerings, co-lending partnerships, and secured loans; fixed income investments in preference shares and mutual funds. |
Top brands Apollo Cash (digital loan product with 35,000+ downloads), Super Sonic lending engine with real-time data underwriting and fraud prevention. |
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Recurring vs cyclical contribution Revenue primarily from recurring income through loan processing fees, interest, and co-lending partnerships. |
Our industry position Strong growth in digital lending portfolios with portfolio quality metrics outperforming industry averages; recognized innovator in NBFC fintech integrations. |
Financial highlights FY25 revenue Rs. 30.26 Crores; net profit Rs. 7.22 Crores; profit before tax Rs. 9.79 Crores; stable profitability with expanding margins. |
Geographical revenue split Predominantly Indian market with no noted foreign operations or revenue. |
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Whats driving growth Expansion of fintech partnerships, adoption of advanced data-driven underwriting, and scaling of co-lending models driving top-line and profitability growth. |
Our future plans Focus on scaling digital lending through partnerships, expanding product offerings, and enhancing technology stack for risk management and customer acquisition. |
Our green promise Implemented energy-saving initiatives like LED lighting and efficient office operations to improve energy performance annually. |
Our people and values Lean, skilled team with fintech lending expertise fostering a culture of innovation, compliance, and employee ownership via ESOPs. |
Key challenges ahead Maintaining portfolio quality amid rapid scaling and regulatory compliance with evolving RBI guidelines on NBFC digital lending. |
Interesting facts Reduced loan processing costs to nearly zero digitally; launched India's first base layer NBFC fintech platform combining startup agility with full regulatory compliance. |
Risks and strategy Robust risk management through real-time fraud detection, dynamic pricing, and strict portfolio monitoring; strategic focus on compliance and quality scaling. |
