Wizz Financial (purana naam Unimoni) ab poora zor India par laga raha hai. 2029 ke IPO se pehle ye company apne gold loan aur digital services ko chhote shehron mein badhane ki taiyari kar rahi hai.
India par bada daanv
Wizz Financial ne apni strategy ko totally change kar diya hai. Inka purana naam Unimoni tha, jise ab 'Wizzmoni' mein rebrand kiya gaya hai. Ab inka 60% global revenue India se aa raha hai, isliye ye log ab cross-border payments se lekar insurance tak sab kuch ek hi platform par lane wale hain.
2027 ka milestone aur IPO ki race
Company 2029 mein public listing ka target leke chal rahi hai, lekin usse pehle 2027 mein ye log naya capital raise karenge. Inka focus Tier 2 se Tier 4 cities par hai, jahan ye digital aur physical branch ka mix model use kar rahe hain. Sath hi, UPI ke sath integration se inka kafi kharcha kam hone ki umeed hai.
Gold loan par hai nazar
Abhi inka Gold Loan book ₹2,000 Crore ka hai, jise ye agle saal tak ₹4,500 Crore tak pahunchane ka plan bana rahe hain. Lekin, yahan ek twist hai—company ka Profit ₹31 Crore se girkar ₹9 Crore par aa gaya hai. Scaling ke chakkar mein inke expenses kaafi badh gaye hain.
Challenges kya hain?
Market mein competition bahut high hai aur RBI ke strict rules (jaise LTV ratios) ko follow karna ek badi challenge hogi. Agle kuch saalon mein inki profitability kaise improve hoti hai, wahi decide karega ki IPO ka response kaisa hoga.