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 6 September 2026
Kaleidofin Private Limited, incorporated on 31 July 2017 and based at the IIT Madras Research Park in Chennai, is an active fintech company. It provides a lending-as-a-service platform and AI and machine-learning-based credit assessment for India's informal and underbanked segment, partnering with banks, NBFCs, microfinance institutions, and MSMEs to deliver savings, credit, and insurance products. It has raised venture funding and operates an NBFC subsidiary, Kaleidofin Capital Private Limited.
AI-generated summary from public filings and may contain errors. Verify against the detailed sections below.
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Company Identity
| 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
- 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
Confirmed 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
FY2025:
| Revenue | ₹42.57 Cr / ₹42.6 Cr — ~48% YoY growth — confirmed |
|---|---|
| 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
Total 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.
In the News
Kaleidofin’s Puneet Gupta on overseas expansion, fundraising roadmap and more
VCCircle · 2 months ago
Chennai-based Kaleidofin Capital Private Limited secures $5 million
The Hindu · 4 months ago
Kaleidofin Capital Gets USD 5 Mn Debt Facility
fintechbiznews.com · 4 months ago
Rabo-backed Kaleidofin’s NBFC arm secures financing from impact investor
VCCircle · 4 months ago
Kaleidofin Capital secures $5 million debt facility from WLB Asset VIIB
Business Standard · 4 months ago
Headlines about Kaleidofin Private Limited reported by third-party publications. Recur Club does not author or endorse this coverage. Last checked 9/6/2026.
Source: Google News aggregated headlines
Charges & Loans
- ₹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
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