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Moneyview doubles down on guarantee-backed lending

Mint Hyderabad

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March 10, 2026

Fintech Moneyview is hunkering down on a lending model just as digital lending peers like Paytm and KreditBee are either moving away from it or focusing on growth in other models.

- mansi.verma@livemint.com

In its draft IPO papers, the Bengaluru-based startup said it plans to expand default loss guarantee (DLG) arrangements with lending partners as part of its credit distribution strategy. A default loss guarantee allows a partner, say, a fin-tech, to compensate regulated entities like bank or NBFC for loan default.

The move comes as financial institutions reassess such guarantees following Reserve Bank of India’s mid-2023 guidelines capping DLG exposure at 5% of loan portfolio and mandating board approval.

Paytm, a listed fintech firm that began DLG-backed loans in 2024, began retreating from the arrangement due to high costs by mid-2025.

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