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LoanGini
LoanGini was established in Mumbai in 2018 by Ankit and Arun Jhunjhunwala. The platform originated as a fintech-enabled marketplace for loan against property...
LoanGini
LoanGini was established in Mumbai in 2018 by Ankit and Arun Jhunjhunwala. The platform originated as a fintech-enabled marketplace for loan against property and structured corporate financing, targeting mid-market borrowers who find traditional bank underwriting slow or restrictive. The firm's wealth-origin is tied to the Jhunjhunwala family's broader investment and operating legacy in India, though no single flagship operating business is publicly designated as the source. The firm structures credit transactions across real estate, working capital finance, and special situations, matching institutional and high-net-worth capital with secured corporate lending opportunities. Its platform aggregates demand from borrowers needing structured debt against property or cash flows and supplies it to non-bank investors including domestic family offices and ultra-high-net-worth individuals. Coverage spans multiple Indian states, with loans typically sized between INR 1 crore and INR 50 crore. Known deal structures include loan against property, construction finance, and bespoke corporate credit lines. LoanGini operates with a lean tech layer, fielding origination through a proprietary digital interface that vets collateral, cash flows, and promoter credit history before presenting vetted deals to its investor base. The firm has not publicly disclosed total assets under management or cumulative deployment figures. It maintains its sole office in Mumbai. As a private credit platform, its portfolio is inherently illiquid, and investor commitments are structured on a deal-by-deal basis rather than pooled into a blind fund vehicle. The structural differentiator is LoanGini's pairing of marketplace technology with private credit distribution: it brokers direct bilateral credit relationships rather than operating as a non-banking financial company, which keeps credit risk on investor balance sheets and off its own. This architecture allows the firm to scale origination without the capital constraints or regulatory capital adequacy requirements that bind traditional NBFCs and banks in India.
General information
Firm type
Asset Manager
Year founded
2018
AUM
Undisclosed
Location
Region
Asia
Country
India
City
Mumbai
Corporate office
Mumbai, Maharashtra, India
Principals
Ankit Jhunjhunwala
Chief Executive Officer
Arun Jhunjhunwala
Chief Operating Officer
Sector focus
Frequently asked questions
Who runs investment decisions at LoanGini?
Credit origination and underwriting decisions are led by the founding team of Ankit Jhunjhunwala and Arun Jhunjhunwala. The firm presents vetted structured credit opportunities to its investor base, who then make their own allocation decisions on a deal-by-deal basis. LoanGini does not operate a discretionary fund where a single CIO has unilateral deployment authority.
Is LoanGini an NBFC or a marketplace?
LoanGini operates as a technology-enabled credit marketplace, not a non-banking financial company (NBFC). It sources, structures, and distributes secured corporate debt to external investors who carry the credit risk directly on their own balance sheets. This keeps the firm outside the capital adequacy and regulatory framework that governs deposit-taking or lending NBFCs in India.
What types of investors participate on the LoanGini platform?
The platform's investor base includes domestic high-net-worth individuals, family offices, and other non-institutional accredited investors seeking fixed-income exposure. LoanGini matches this capital with mid-market Indian corporates needing structured loans against property, working capital, or construction finance. Institutional allocators such as pension funds or insurance companies have not been publicly cited as platform participants.
What is the typical deal size and structure on LoanGini?
Structured credit transactions facilitated by LoanGini typically range from INR 1 crore to INR 50 crore, backed by real estate collateral or corporate cash flows. Structures include loan against property, construction finance, bridge loans, and bespoke credit lines. Each transaction is placed separately with investors rather than pooled into a commingled fund vehicle.
How does LoanGini manage credit risk?
Credit risk sits with the individual investors who fund each transaction, not with LoanGini's platform entity. LoanGini performs origination, collateral assessment, cash-flow analysis, and promoter due diligence before listing a deal, but does not guarantee repayment or hold the loans on its own balance sheet. This arms-length model requires investors to conduct their own credit assessment or rely entirely on the platform's vetting.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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