India’s lending landscape just got a major boost.
Trident Growth Partners (TGP), a leading growth-stage private equity firm, has invested ₹120 crore in Mumbai-based NBFC Credit Wise Capital (CWC), as part of a ₹200 crore funding round — marking CWC’s first institutional capital raise.
This is the second big bet from TGP’s ₹2,000 crore debut fund, signaling strong conviction in India’s emerging credit infrastructure.
Fueling India’s Tier II–IV Lending Boom
Founded by Aalesh Avlani and Gurpreet Singh Sodhi, Credit Wise Capital focuses on two-wheeler loans and MSME lending, especially across underserved Tier II to IV cities. With operations in 215+ cities across 10 states, CWC is rapidly bridging the gap between India’s credit-hungry population and smart financing solutions.
Using a ‘phygital’ model (physical + digital), the company combines on-ground distribution with digital underwriting to simplify the lending experience for India’s middle class.
As of March 2025, CWC’s asset base rose to ₹645 crore (from ₹489 crore last year), while maintaining a strong capital adequacy ratio of 31.2%. To date, they’ve financed over 2 lakh two-wheelers — a strong indicator of rising rural aspirations.
Why This Matters
As traditional banks struggle to penetrate India’s smaller towns, nimble NBFCs like CWC are becoming the backbone of Bharat’s credit growth story.
With fresh capital and a scalable SaaS lending platform, Credit Wise Capital is now positioned to accelerate deeper into India’s real financial heartland.
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