Company Intelligence Profile
Rupeek Fintech Private Limited
Bengaluru-based fintech (legal entity behind the "Rupeek" brand) operating an asset-backed, doorstep gold-loan marketplace.
Last updated 11 August 2026
Rupeek Fintech Private Limited, based in Bengaluru, operates an asset-backed gold-loan marketplace facilitating quick loan disbursals. In FY25, the company reported a revenue of ₹151.92 Cr, marking a 33% growth from the previous year. With total funding of approximately $216.4 million across multiple rounds, Rupeek is recognized as a significant player in the Indian fintech sector.
AI-generated summary from public filings and may contain errors. Verify against the detailed sections below.
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Company Identity
| Registered name | Rupeek Fintech Private Limited |
|---|---|
| CIN | U72100KA2015PTC081797 |
| PAN | AAHCR3887J |
| Status | Active |
| Listing | Unlisted (private company) |
| Incorporated | 24 July 2015 |
| ROC | RoC-Bangalore (Karnataka) |
| Sector (NIC) | NIC 72100 (Computer related services) per CIN prefix |
| Registered address |
|
| Authorized capital | ₹15,25,260 (~₹15.25 Lakh).3L) + TheCompanyCheck(₹15.25L) agree |
| Paid-up capital |
|
Business Overview
- Bengaluru-based fintech (legal entity behind the "Rupeek" brand) operating an asset-backed, doorstep gold-loan marketplace
- Facilitates quick (~30 min) gold-backed loan disbursal via partner banks/NBFCs, doorstep gold pickup, secure vault storage and insurance; also runs "Rupeek Capital" (an affiliated NBFC lending arm) for on-book lending
- Founded 2015 by Sumit Maniyar (IIT alumnus); active across 25+ Indian cities
- DPIIT-recognised startup
- Sources: Falconebiz, Rupeek official site, Indiankanoon/company aggregator summaries
Directors
| Name | DIN | Role | Appointed |
|---|---|---|---|
| Sumit Maniyar | 06411925 | Director & Co-founder | 24-Jul-2015 |
| Suresh Maniyar | 06411955 | Director | 24-Jul-2015 |
| Anand Daniel | 03441515 | Director | 08-Jan-2018 |
| Ravi Shankar Venkataraman Ganapathy Agraharam | 02604007 | Nominee Director | 13-Aug-2019 |
| Prabhakar Sistla | 09249122 | Director | - |
| Rohit Sood | 07265341 | Nominee Director | - |
| Akshay Sharda | 07291475 | Director & CFO | 18-Dec-2025 |
GST Registrations
| GSTIN | State | PAN | Status |
|---|---|---|---|
| 29AAHCR3887J1ZM | Karnataka | AAHCR3887J (confirmed — Tofler + derivable from GSTIN 29AAHCR3887J1ZM) | Active |
| 34AAHCR3887J1ZV | Puducherry | AAHCR3887J (confirmed — Tofler + derivable from GSTIN 29AAHCR3887J1ZM) | - |
| 37AAHCR3887J1ZP | Andhra Pradesh | AAHCR3887J (confirmed — Tofler + derivable from GSTIN 29AAHCR3887J1ZM) | - |
Primary/home-state GSTIN (Karnataka): 29AAHCR3887J1ZM — Active, Regular scheme, registered 01-Jul-2017 (source: piceapp/KnowYourGST individual GSTIN page). PAN AAHCR3887J confirmed embedded in GSTIN. Company holds multi-state GST registrations — sources cite ~14 registrations across states (e.g., 34AAHCR3887J1ZV in Puducherry/Tamil Nadu region, 37AAHCR3887J1ZP in Andhra Pradesh per FnShift) consistent with pan-India gold-loan operations, but the full state-wise list and each registration's live status were not individually verified — partial.
Financials
Figures show meaningful cross-source conflict; reporting standalone entity-level figures with source per year:
- FY23: Revenue from operations ₹88.9 Cr (total revenue ₹97.2 Cr, incl. commission income ₹40.8 Cr + lending income ₹48.1 Cr), down ~27.7% YoY; Total expenses ₹376.9 Cr; Net loss ₹281.6 Cr (down 22.7% from FY22 loss of ₹364.4 Cr). FY22: Revenue ₹122.9 Cr, Net loss ₹364.4 Cr.
- FY25: Revenue ₹151.92 Cr, stated as +33% YoY (implying FY24 revenue ~₹114 Cr) — EBITDA/PAT locked/not obtained.
- A separate web-search summary cited FY24 revenue as ₹65.7 Cr (+16.2% over an FY23 base of ₹56.5 Cr) — this conflicts with both the Inc42 FY23 figure (₹88.9 Cr) and the TheCompanyCheck-implied FY24 figure (~₹114 Cr). Could not resolve which figure (if any) is correct without the actual FY24 filing — flagged as unconfirmed/conflicting, not used as a headline number.
- Net worth: one source notes a "38.34% decline" in net worth in a recent period but exact ₹ figures were locked/not obtained.
- Auditor: S.R. Batliboi & Co. LLP.
Standalone entity-level (Rupeek Fintech Pvt Ltd) figures throughout; consolidated group figures not obtained.
Funding History
- Total funding ~$216.4 Mn across 11 rounds
- Key rounds: Seed $2.0Mn (Jan 2017, Sequoia/Peak XV predecessor)
- Series A $6.83Mn (Feb 2018, Accel)
- Series B $30Mn (Aug 2019, Peak XV Partners) — note: separately, Business Standard (Aug 2019) reported a $30Mn round led by Bertelsmann India Investments, so lead-investor attribution for this round conflicts across sources
- Series C $60Mn (Feb 2020, Peak XV, also reported with Binny Bansal/GGV Capital participation per Business Standard Feb-2020 article)
- Series E $33Mn (Mar 2021, GGV Capital) + $7Mn (Mar 2021, VEF)
- $34Mn (Jan 2022, Lightbox) — this round reportedly valued Rupeek at ~$634Mn (peak valuation, Jan 2022)
- $16Mn (Sep 2022, 100Unicorns)
- $21.12Mn (Feb 2024, Elevation Capital) — Entrackr reported this as a down round
- $6.12Mn (May 2024, 360 ONE Asset + BlackSoil) — Entrackr reported this round at a ~60% valuation cut vs peak, implying post-money valuation ~₹2,050 Cr (~$245Mn)
- Investor roster across rounds: Sequoia/Peak XV Partners, Accel, Bertelsmann India Investments, GGV Capital, Lightbox, VEF, 100Unicorns, Elevation Capital, 360 ONE Asset, BlackSoil, Binny Bansal (angel)
- Sources: Inc42, Entrackr, Business Standard
Charges / Borrowings
Total open charges ₹128.15 Cr; satisfied/released charges ₹83 Cr. Key charge-holders: Axis Bank Limited ₹72.60 Cr (incl. a recent charge dated 19-Apr-2025), South Indian Bank Limited ₹0.23 Cr, and an unspecified "Others" bucket ₹55.32 Cr.
Competitors
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