Company Intelligence Profile
Kaleidofin Private Limited
Chennai-based fintech providing AI-driven credit assessment and lending-as-a-service infrastructure for India's underbanked informal sector.
Last updated 20 August 2026
AI-generated summary from public filings and may contain errors. Verify against the detailed sections below.
Company Identity
Confirmed| Registered name | Kaleidofin Private Limited |
|---|---|
| CIN | U65999TN2017PTC117862 |
| PAN | Not available in the public sources reviewed. |
| Status | Active |
| Listing | No — unlisted private limited company |
| Incorporated | 31 July 2017 |
| ROC | RoC Chennai (Tamil Nadu) |
| Sector (NIC) | Financial technology / NBFC-adjacent lending-as-a-service platform (NIC 65999 — other financial service activities, informal-sector credit assessment and digital lending enablement) |
| Registered address | Module No. A6-02, Block A, 6th Floor, Phase 2, Kanagam Road, IIT Madras Research Park, Taramani, Mambalam, Chennai, Tamil Nadu 600113 |
| Authorized capital | ₹7.0 crore |
| Paid-up capital | ₹6.07–6.1 crore |
Business Overview
Confirmed- Kaleidofin is a Chennai-based (IIT Madras Research Park) fintech founded in 2017, providing a "Lending as a Service" platform plus AI/ML-based credit assessment (proprietary "ki score") for India's informal/underbanked segment
- It partners with banks, NBFCs, MFIs and MSMEs to deliver savings, credit, and insurance products
- Per its own site it has served 12.3M+ customers with $11.32B in loans underwritten via 60+ partnerships, and holds SEBI registration
- Operates a subsidiary, Kaleidofin Capital Private Limited (NBFC arm), per Falconebiz
- Source: kaleidofin.com, Falconebiz
Directors
Partial / conflictingConfirmed via Tofler + Falconebiz (cross-checked, minor list differences by snapshot date):
| Name | DIN | Role | Appointed |
|---|---|---|---|
| Sucharita Mukherjee | 02569078 | Managing Director | - |
| Puneet Gupta | 01957588 | Director | - |
| Bahram Navroz Vakil | 00283980 | Director | - |
| Natasha Harish Jethanandani | 06412372 | Whole-time Director | - |
| Suman Gopalan | 08451845 | Additional Director | - |
| Rakesh Goyal | - | Nominee Director | - |
| Adriaan Levinus Boogaard | - | Nominee Director | - |
| Marinus Anthonius Van Eyk | - | Additional Director | - |
Financials
Partial / conflictingFY2025:
| Revenue | ₹42.57 Cr / ₹42.6 Cr — ~48% YoY growth |
|---|---|
| Net Loss (PAT) | ₹27.1 Cr — partial |
| EBITDA | ₹-6.5 Cr — partial/unconfirmed |
| Total Expenses | ₹37.1 Cr — partial |
| Total Assets | ₹201.8 Cr, up 204% YoY — partial |
| Balance sheet | Equity Capital ₹607.4 Lacs, Reserves ₹18,230.5 Lacs, Total Borrowings ₹9,926.5 Lacs (~₹99.3 Cr), Total Assets ₹29,709.0 Lacs (~₹297.1 Cr) |
| Net worth | up 215.39% YoY; Total borrowings up 214.61% YoY |
Tofler's Total Assets figure (₹297 Cr) and Inc42's (₹201.8 Cr) diverge materially — flagged as an unresolved source conflict, both under "partial" confidence. Exact EBITDA/PAT rupee figures are gated behind Tofler Pro subscription; only Inc42's estimate is available and is unconfirmed by a second source.
Funding
ConfirmedTotal funding raised: $50.18 Mn+. Known rounds:
- Series A: ₹36 Cr (~$5.1M) led by Oikocredit, with Flourish Ventures, Omidyar Network India, Blume Ventures, Bharat Inclusion Seed Fund, Shlomo Ben-Haim
- Series B: $10M led by Michael & Susan Dell Foundation, with Oikocredit, Flourish Ventures, Omidyar Network, Blume Ventures, Bharat Fund
- $13.8M round led by Rabo Partnerships B.V., with Michael & Susan Dell Foundation, Oikocredit, Omidyar Network India, Flourish Ventures
- $5.3M from IDH Farmfit Fund (most recent reported, ~2025)
Most recent funding activity per Inc42: 5 Jan 2025. Round-name/sequence attribution not independently verified via Tracxn in this pass — confirmed via 2+ press sources for amounts and lead investors.
Charges & Loans
Partial / conflicting- ₹14.5 Cr in open charges
- ₹13.5 Cr in satisfied charges
- Individual charge-holder/lender names and dates not obtained (behind premium access)
- Single-source figure — partial confidence
Competitors
Partial / conflicting- M2P Fintech (large-scale BaaS infra player, bigger scale), Credgenics (credit collections/recovery tech, comparable-to-larger scale), Axio/Capital Float (consumer lending fintech, comparable scale), i2iFunding (P2P lending, smaller scale), IppoPay (Chennai-based merchant payments for informal economy, smaller/adjacent scale), Mylapay and Minkasu (Chennai fintech peers, smaller scale)
- Source: Tracxn, Inc42, general fintech-directory searches — competitor set is directionally reliable but not verified via a dedicated competitive-intelligence source
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