# MobiKwik

MobiKwik is an Asset Manager based in India.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** India
- **Region:** Asia
- **Assets under management:** Undisclosed
- **Website:** mobikwik.com
- **LinkedIn:** https://www.linkedin.com/company/mobikwik

## Regulatory record

- **Reports private funds:** No

## About

Fast-track your mobile recharge, secure bill payments, and wallet transfers with MobiKwik. Experience convenience and security. Download now!

## Sectors

- FinTech

## Questions

### What is MobiKwik's primary revenue model?

MobiKwik earns interchange-like fees on wallet transactions and merchant payments, alongside interest income and penalty charges from its Zip credit product. The dual engine — payments float plus loan book — allows the firm to monetize the same user base at two points in the transaction cycle. Public filings do not break out the revenue split between the two lines.

### How does the Zip credit product underwrite borrowers?

Zip uses device-level data — SMS logs, transaction history within the wallet, and mobile-recharge patterns — to generate a credit score for first-time borrowers. This sachet-sized underwriting model bypasses traditional credit bureau scores, aiming to serve the 400 million Indians who have a mobile connection but no formal credit file. The firm has not disclosed its non-performing asset ratio or detailed underwriting partners.

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Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/mobikwik

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