Credit Wise Capital Raises ₹200 Crore in First Institutional Funding Round
We are delighted to share that Credit Wise Capital, a fast-growing financial services company focused on two-wheeler and MSME lending, has raised ₹200 crore in its first institutional funding round, led by Trident Growth Partners (TGP).
The funds will help the company triple its AUM over the next three years, expand its lending portfolio, and further strengthen its technology infrastructure. Trident invested ₹120 crore in this round, with the remainder coming from other investors.
About Credit Wise Capital
Founded with a mission to improve credit access in small-town India, Credit Wise Capital offers two-wheeler loans, loans against property (LAP), and licenses its proprietary SaaS platform to other NBFCs and financial institutions. As of March 2025, the company reported an AUM of ₹645 crore, up from ₹489 crore a year earlier. Its capital adequacy ratio stands at 31.2% with a gearing of 2.3x, and it has already financed more than 2 lakh two-wheelers.
PitchRight Ventures: An Early Partner
At PitchRight Ventures Global Opportunities Fund, we take immense pride in being an early backer of Credit Wise Capital at the Seed stage in August 2021. We have since followed on in later rounds, continuing our conviction in the company’s mission and execution.
Today, it is rewarding to see Credit Wise Capital scale rapidly, attract marquee investors, and continue to execute on its vision to democratize access to formal credit for underserved segments across Bharat.
Voices from the Founders
Reflecting on this milestone, Aalesh Avlani, Co-founder of Credit Wise Capital, said:
“Their confidence in our vision reinforces our belief that credit access in small-town India is not just a market opportunity, it’s a structural need. This capital will enable us to reach more customers, strengthen our tech stack, and bring formal finance closer to those who have been excluded for too long.”
Gurpreet Singh Sodhi, Co-founder, Credit Wise Capital, added:
“Their investment reaffirms our belief in leveraging technology, combined with local insights and disciplined operations, to create a transformative impact on the lending ecosystem.”
Our Perspective
Our partner Amit shared his view on this important milestone:
“We have been early supporters of Credit Wise Capital and have consistently backed their journey. What impressed us from the start was the founders’ clarity on building a tech-first lending business that solves real problems for everyday Indians. Their execution over the last few years has validated that conviction, and this fresh round of funding positions them strongly for the next phase of growth.”
Looking Ahead
We are proud to support Credit Wise Capital in its mission and look forward to their continued success in building a transformative financial institution for India.