In a move set to broaden financial inclusion across India, MobiKwik (One MobiKwik Systems Ltd.), India’s leading digital wallet and fintech platform, has announced a strategic tie-up with Poonawalla Fincorp, a Cyrus Poonawalla Group-backed NBFC. The partnership aims to offer instant personal loans through MobiKwik’s ZIP EMI product, with a focus on ease, accessibility, and speed.

Under this collaboration, loan amounts ranging from ₹50,000 to ₹15 lakh will be made available to MobiKwik users across India, particularly targeting underserved segments in Tier 2 and Tier 3 cities. Borrowers can select flexible repayment options spanning 6 to 36 months, suiting a wide variety of personal needs such as education, healthcare, travel, and lifestyle expenses.

With a minimal documentation process and instant digital approvals, the loan application journey is designed to be entirely seamless, supporting round-the-clock availability through the MobiKwik app.

Ankur Jaipuria, CEO – Lending Business, MobiKwik, said:

“Our partnership with Poonawalla Fincorp represents a pivotal step in democratizing credit access for millions across India. We’re committed to providing financial services that reach people across all strata and demography.”

Echoing the sentiment, Vikas Pandey, Chief Business Officer – Consumer Finance at Poonawalla Fincorp, added:

“We are delighted to partner with MobiKwik to expand our reach and provide accessible credit solutions to a wider audience. This integration allows us to leverage MobiKwik’s strong digital ecosystem and deep reach into Tier 2, Tier 3 markets and beyond.”

In addition to ease of access, the offering provides a credit-building opportunity—timely repayments will help users improve their credit scores, opening up future access to higher loan amounts and better financial products.

MobiKwik will serve as the technology facilitator, while Poonawalla Fincorp will handle loan origination and servicing, bringing together digital convenience and responsible lending. This partnership is yet another step in bridging the urban-rural credit gap and empowering individuals with financial tools tailored to modern needs.

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