Company Intelligence Profile
Wizzmoni Financial Services Limited
Wizzmoni Financial Services Limited (brand: Unimoni) — an RBI-authorised foreign-exchange, remittance, travel-money and NBFC-lending company, part of the global Wizz Financial group (formerly Finablr/UAE Exchange).
CIN: U85110KA1995PLC018175Active — Public Limited Company (Unlisted)RoC-Bangalore (Karnataka)Confidence: high
AI OverviewGenerated from public records
AI-generated summary from public filings and may contain errors. Verify against the detailed sections below.
Company Identity
Confirmed| Registered name | Wizzmoni Financial Services Limited |
|---|---|
| CIN | U85110KA1995PLC018175 |
| PAN | AAACU2040F (derived from GSTINs 33AAACU2040F1ZZ / 34AAACU2040F1ZX; PAN embedded in GSTIN — partial, not independently confirmed on a PAN-specific source) |
| Status | Active — Public Limited Company (Unlisted) |
| Listing | Not listed (unlisted public limited company); no equity listed on NSE/BSE. Debt: has issued/rated NCDs (₹50 Cr, Acuité-rated 2026). |
| Incorporated | 29 June 1995 |
| ROC | RoC-Bangalore (Karnataka) |
| Sector (NIC) | MCA NIC code 85110 (legacy "Health and Social Work" classification carried on the master data — a known MCA mismatch; actual business is RBI-authorised foreign exchange / money transfer / travel services and NBFC lending) |
| Registered address | NG-12 & 13, Manipal Centre, North Block, Dickenson Road, Bangalore, Karnataka 560042 |
| Authorized capital | ₹500 Cr |
| Paid-up capital | ₹156,99,62,320 (approx ₹157 Cr) |
Business Overview
Confirmed- RBI-authorised foreign exchange, outbound money transfer/remittance, travel and forex-card services, plus NBFC lending (loans/AUM), operating consumer-facing under the "Unimoni" brand with a nationwide branch network (~310 branches)
- Part of the global Wizz Financial group (formerly Finablr / UAE Exchange group), a payments & FX platform spanning 170+ countries
- Began India operations in 1991
- incorporated 1995
Directors
Confirmed| Name | DIN | Role | Appointed |
|---|---|---|---|
| Krishnan Rajamony | 03635219 | Whole-Time Director / CEO, DIN 03635219 appointed 19 Sep 2011 | 19 Sep 2011 |
| Dominic Traynor | 09713887 | Director, DIN 09713887 17 Jul 2024 | - |
| Amir Nagammy | 10693203 | Director, DIN 10693203 17 Jul 2024 | - |
| Venkataramani Radhakrishnan | 00829107 | Director, DIN 00829107 13 Oct 2025 | - |
| Anupam Sonal | 11330572 | Director, DIN 11330572 13 Oct 2025. Source: thecompanycheck.com / tofler.in DINs cross-checked between the two. | - |
GST & PAN
Partial / conflicting| GSTIN | State | PAN | Status |
|---|---|---|---|
| 33AAACU2040F1ZZ | Tamil Nadu | AAACU2040F (derived from GSTINs 33AAACU2040F1ZZ / 34AAACU2040F1ZX; PAN embedded in GSTIN — partial, not independently confirmed on a PAN-specific source) | - |
| 34AAACU2040F1ZX | Puducherry | AAACU2040F (derived from GSTINs 33AAACU2040F1ZZ / 34AAACU2040F1ZX; PAN embedded in GSTIN — partial, not independently confirmed on a PAN-specific source) | - |
Home state: Karnataka. PAN AAACU2040F. Confirmed registrations: Tamil Nadu — 33AAACU2040F1ZZ (registered 01 Jul 2017); Puducherry — 34AAACU2040F1ZX (registered 16 Jul 2017) [source: mastersindia.co]. As a multi-branch pan-India forex/NBFC the entity holds many state GSTINs; primary Karnataka GSTIN (29AAACU2040F1Z_) exact check-digit not obtained. Total number of registrations: not obtained.
Financials
Confirmed- Standalone (per Acuité rating rationale, 6 Mar 2026): FY25 — Total Income ₹192.68 Cr, PAT ₹9.32 Cr, Net Worth ₹322.66 Cr, Total Assets ₹562.13 Cr. FY24 — Total Income ₹208.44 Cr, PAT ₹30.98 Cr, Net Worth ₹316.28 Cr, Total Assets ₹474.48 Cr. AUM ₹377.90 Cr as of 30 Sep 2025
- PAT fell ~70% YoY FY24->FY25
- GNPA improved from 3.49% (FY24) to ~0%
- EBITDA: not separately disclosed
- (Note: thecompanycheck lists a much lower "FY2024 revenue ₹22.38 Cr" figure that conflicts with Acuité's ₹208.44 Cr total income — likely a segment/operating-revenue definitional difference
- Acuité's audited-derived figures are more reliable.)
Charges & Loans
Confirmed- Open charges ₹298.98 Cr
- satisfied charges ₹1,270.23 Cr (source: thecompanycheck / tofler)
- Principal charge-holders / lenders include City Union Bank Limited and Yes Bank Limited, among others
Credit Ratings
Confirmed- Acuité Ratings & Research: ACUITE BBB / Stable (6 Mar 2026) on ₹350 Cr total — ₹300 Cr bank facilities (₹200 Cr assigned + ₹100 Cr reaffirmed) and ₹50 Cr Non-Convertible Debentures
- Historically rated by CARE Ratings (press releases 2020 & 2021 under the "Unimoni Financial Services Limited (Erstwhile UAE Exchange & Financial Services)" name)
- current CARE grade not obtained
Competitors
Partial / conflicting- Forex/remittance & travel-money peers: Thomas Cook (India) Ltd (large listed)
- EbixCash World Money / Centrum (mid-large)
- Weizmann Forex Ltd (mid)
- BookMyForex (mid, digital)
- Wall Street Finance Ltd (small-mid)
- Muthoot Forex / Muthoot Fincorp forex arm (large group)
- Scale tags approximate
Frequently Asked Questions
What does Wizzmoni Financial Services Limited do?
Wizzmoni Financial Services Limited (brand: Unimoni) — an RBI-authorised foreign-exchange, remittance, travel-money and NBFC-lending company, part of the global Wizz Financial group (formerly Finablr/UAE Exchange).
What is the CIN of Wizzmoni Financial Services Limited?
The Corporate Identification Number (CIN) of Wizzmoni Financial Services Limited is U85110KA1995PLC018175.
Where is Wizzmoni Financial Services Limited registered?
Wizzmoni Financial Services Limited is registered with RoC-Bangalore (Karnataka). Registered address: NG-12 & 13, Manipal Centre, North Block, Dickenson Road, Bangalore, Karnataka 560042.
Looking for business funding?
Recur Club is India's largest AI-native debt platform - working capital, term loans and structured debt from 150+ lending partners, without diluting equity.