Urban Money, India’s largest mortgage tech platform, has recorded a tenfold increase in revenue over the past three years, driven by scale in its mortgage origination business. The company plans to achieve a revenue of over 1000 crore by FY26. Urban Money’s revenue rose to ₹714 crore in FY25, more than triple its FY23 figures.
Urban Money’s digital infrastructure supports API-based KYC, income and credit score verification, and integration with banks’ loan origination systems, enabling loan sanction and disbursal processes to be completed in under five minutes. It provides a technology-driven platform for paperless mortgage fulfilment, integrating with credit bureaus, banks, and NBFCs for identity, address, and income verification.
The company works with over 150,000 channel partners and 95+ banking and NBFC institutions, facilitating large-scale participation in mortgage distribution. A significant part of its business, around 87%, comes through its aggregation model, which connects smaller real estate agents and independent financial advisors with lending institutions. Urban Money’s gross transaction value has increased from $0.2 billion in FY21 to $5.7 billion in FY25, supported by the expansion of its partner network and technology integrations. Between FY22 and FY25, Urban Money’s revenue grew at a CAGR of 120%, while its GTV rose at a CAGR of 102%, reflecting sustained scale and efficiency across its digital lending operations.
Commenting on the growth, Amit Prakash Singh, Co-Founder & CBO at Urban Money said, “While India’s credit ecosystem has expanded rapidly, access and awareness remain uneven – nearly half of eligible urban adults still don’t use formal credit channels. For many first-time homebuyers, the loan journey remains complex, paperwork-heavy, and fragmented. Our aim has been to simplify this process through a transparent, technology-driven platform that connects borrowers, advisors, and lenders on a single network. The traction we’re seeing reflects how digital origination models can bridge the trust and accessibility gap that has long defined the mortgage industry.”
Supported by Square Yards’ real estate ecosystem and data capabilities, Urban Money continues to strengthen its role in enabling digital access to mortgages and formal credit.
About Urban Money
Urban Money is a leading digital lending platform that enables consumers to access and manage loans seamlessly through partnerships with over 150,000 channel partners and 95+ banking and NBFC institutions. The company offers customized loan products across home, personal, and business categories, supported by end-to-end assistance that includes product selection, documentation, legal and insurance consulting, and disbursal.
Leveraging advanced technology and data integrations with credit bureaus and lender origination systems, Urban Money simplifies the complex lending process by providing accurate eligibility assessments and paperless sanctioning within minutes. The platform’s integrated approach ensures transparency, speed, and ease throughout the lending lifecycle.
