Z47

Founded in 2006, Z47 is a venture capital firm based in Bengaluru, India. It invests in technology startups focused on the Indian consumer market and global enterprise solutions, typically at seed, early, and early growth stages.

Rajat Agarwal

Managing Director

Rajat Agarwal

Managing Director

Samarth Sethi

Associate

Vikram Vaidyanathan

Managing Director

Chandrasekhar Venugopal

Principal

Past deals in Credits and Lending

FPL Technologies

Venture Round in 2024
FPL Technologies Pvt. Ltd., founded in 2019 and headquartered in Mumbai, India, focuses on providing innovative financial solutions for a digitally savvy younger population. The company has developed a proprietary technology platform that aims to enhance the credit card experience, capitalizing on the growing demand for consumption credit in India. With the recent surge in digital payment adoption, FPL recognizes the need for a more user-friendly approach to credit management. Their flagship product, the One Score app, launched to help users check and understand their credit scores, offers a secure and straightforward way to manage credit behavior. By integrating an intuitive mobile application with their credit card services, FPL Technologies seeks to meet the evolving needs of millennials and improve their overall financial literacy and credit experience.

Seeds Fincap

Series A in 2024
Based in Delhi, Seeds Fincap is a fintech company focused on serving the financial needs of underserved individuals and businesses, particularly those residing in Tier II, III, and IV cities. It provides financial products and support to enable access to formal credit for entrepreneurs and youngsters who previously lacked such opportunities.

OTO Capital

Venture Round in 2024
OTO Capital is a technology platform facilitating car ownership and financing. It collaborates with banks and non-banking financial companies to offer credit options, managing the entire automotive lifecycle from credit assessment to insurance, maintenance, and resale.

InPrime Finserv

Series A in 2024
InPrime Finserv operates an online lending platform that targets middle-class, emerging segments with customized financial products. By combining field assessments with analysis of customers' digital footprints, it assesses creditworthiness and risk profiles to enable affordable credit facilities. The company seeks to address the evolving financial needs of the unregulated prime market by offering tailored lending solutions that align with customers' financial trajectories.

Jodo

Series A in 2022
Jodo is a fintech platform founded in 2020 with a mission to positively impact lives through well-designed financial products. It targets middle-income households by offering financial services that address cash-flow challenges, including a no-interest installment option for paying school fees. The company pursues a full-service model with multiple products to help customers meet everyday financial needs. Built on research into users' needs, Jodo seeks to enable millions of people to manage payments and access essential financial services more easily.

FPL Technologies

Series D in 2022
FPL Technologies Pvt. Ltd., founded in 2019 and headquartered in Mumbai, India, focuses on providing innovative financial solutions for a digitally savvy younger population. The company has developed a proprietary technology platform that aims to enhance the credit card experience, capitalizing on the growing demand for consumption credit in India. With the recent surge in digital payment adoption, FPL recognizes the need for a more user-friendly approach to credit management. Their flagship product, the One Score app, launched to help users check and understand their credit scores, offers a secure and straightforward way to manage credit behavior. By integrating an intuitive mobile application with their credit card services, FPL Technologies seeks to meet the evolving needs of millennials and improve their overall financial literacy and credit experience.

Oxyzo

Series A in 2022
Oxyzo specializes in transforming small and medium-sized enterprises (SMEs) into larger ones by providing customized credit solutions. It offers low-interest rates, collateral-free options, and rapid loan processing times to help SMEs expand operations and boost profits.

OTO Capital

Series A in 2021
OTO Capital is a technology platform facilitating car ownership and financing. It collaborates with banks and non-banking financial companies to offer credit options, managing the entire automotive lifecycle from credit assessment to insurance, maintenance, and resale.

FPL Technologies

Series A in 2020
FPL Technologies Pvt. Ltd., founded in 2019 and headquartered in Mumbai, India, focuses on providing innovative financial solutions for a digitally savvy younger population. The company has developed a proprietary technology platform that aims to enhance the credit card experience, capitalizing on the growing demand for consumption credit in India. With the recent surge in digital payment adoption, FPL recognizes the need for a more user-friendly approach to credit management. Their flagship product, the One Score app, launched to help users check and understand their credit scores, offers a secure and straightforward way to manage credit behavior. By integrating an intuitive mobile application with their credit card services, FPL Technologies seeks to meet the evolving needs of millennials and improve their overall financial literacy and credit experience.

Jodo

Seed Round in 2020
Jodo is a fintech platform founded in 2020 with a mission to positively impact lives through well-designed financial products. It targets middle-income households by offering financial services that address cash-flow challenges, including a no-interest installment option for paying school fees. The company pursues a full-service model with multiple products to help customers meet everyday financial needs. Built on research into users' needs, Jodo seeks to enable millions of people to manage payments and access essential financial services more easily.

CreditVidya

Series B in 2017
CreditVidya is a financial technology company focused on revolutionizing credit assessment in India by utilizing alternative data and advanced machine learning techniques. The company aims to facilitate access to fair and transparent credit for over 800 million individuals who lack traditional credit scores. By moving beyond outdated methods that solely rely on repayment history, CreditVidya employs artificial intelligence to analyze a vast array of data points. This innovative approach helps lenders make informed decisions regarding credit issuance, particularly for first-time borrowers, thereby reducing credit losses and enhancing lending profitability.

Five Star Business Finance

Series C in 2017
Five-Star Business Finance Ltd is a Registered Non-Banking Finance Company (NBFC) recognized by the Reserve Bank of India. Based in Kilpauk, Chennai, the company operates multiple branches across various locations, including Tamil Nadu and Karnataka. Five-Star specializes in providing secured loans tailored to the needs of micro-entrepreneurs and self-employed individuals. These loans can be utilized for diverse purposes, including business expansions, asset creation such as home renovations, and financing significant life events like marriage, healthcare, and education. The company is committed to delivering quality service to its customers, adhering to regulatory guidelines set forth by the Reserve Bank of India.

Five Star Business Finance

Series A in 2014
Five-Star Business Finance Ltd is a Registered Non-Banking Finance Company (NBFC) recognized by the Reserve Bank of India. Based in Kilpauk, Chennai, the company operates multiple branches across various locations, including Tamil Nadu and Karnataka. Five-Star specializes in providing secured loans tailored to the needs of micro-entrepreneurs and self-employed individuals. These loans can be utilized for diverse purposes, including business expansions, asset creation such as home renovations, and financing significant life events like marriage, healthcare, and education. The company is committed to delivering quality service to its customers, adhering to regulatory guidelines set forth by the Reserve Bank of India.

Muthoot Finance

Private Equity Round in 2010
Muthoot Finance is a leading Indian lending company based in New Delhi. Founded in 1887, it specializes in gold loans secured by gold jewellery to individuals and businesses seeking short- to medium-term liquidity, and it ranks among India’s largest gold loan providers by loan portfolio. The company also offers a broad range of financial products, including personal, housing and vehicle loans, debt solutions, mutual funds and microfinance, as well as corporate and small-business lending, supported by an extensive branch network and asset-backed lending model that serves customers across urban and rural markets.
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