Viva Money Celebrates Two Years Of Transforming India’s Digital Lending Market

Viva Money, launched in December 2023, has quickly established itself as a key player in India’s evolving digital lending ecosystem. In just two years, the company has transformed how consumers approach borrowing, emphasizing instant access, simplified processes, and transparent credit solutions. Its journey reflects the broader shift in India’s financial culture toward digital-first, consumer-friendly lending.  

Key highlights from the announcement include  

• By the end of 2025, Viva Money’s active client base exceeded 50,000, showcasing strong adoption.  
• The loan portfolio volume reached ₹1.5 billion, with disbursements of ₹383 crore in 2025, more than double the previous year.  
• Operations expanded across five states including Karnataka, Gujarat, Maharashtra, Tamil Nadu, and Goa, with pilot testing in three additional states.  
• Average loan amounts increased from ₹50,000 to ₹65,000, supported by improved risk management practices.  
• The delinquency rate dropped significantly, with loans overdue by 30 days falling below 5% of the portfolio.  
• Viva Money’s app-based model emphasized speed, flexibility, and transparency, reducing reliance on paperwork and long approval cycles.  
• The company positioned itself as a trusted partner for short-term financial needs, aligning with modern consumer lifestyles.  
• Industry experts note that Viva Money’s success reflects India’s growing appetite for digital credit solutions and the shift away from traditional banking hurdles.  

Viva Money’s two-year milestone highlights how digital lending is reshaping India’s financial landscape. By combining technology-driven efficiency with consumer-centric services, the company has not only achieved profitability but also built credibility in a highly competitive market. As it expands further in 2026, Viva Money is expected to play a pivotal role in democratizing access to credit and empowering individuals with smarter financial choices.  

Sources: The Hans India, Forbes India, Media Hindustan