India’s fintech-based NBFC lending sector offers many lessons. Three early pioneers—Capital Float (now Axio), Zestmoney, and Lendingkart—raised significant amounts of venture capital, built solid momentum, and achieved growth and penetration. They pivoted, explored multiple opportunities, and yet, ultimately had to sell out. In this episode of Two by Two, co-hosts Rohin Dharmakumar and Praveen Gopal Krishnan are joined by guests Shivashish Chatterjee, co-founder of DMI Group, and Arundhati Ramanathan, The Ken’s deputy editor. Together, they discuss the business models of these lenders—including balance sheet lending and the rise of “buy now, pay later”—and what lessons can be learned for the future of India’s fintech lending ecosystem.This episode of Two by Two was mixed and mastered by Rajiv CN, our resident sound engineer.If you liked this episode of Two by Two, please share it with your friends, colleagues, and anyone else who might be interested. And if you have thoughts on the discussion, write to us at [email protected]. We’d love to hear from you.Additional readingAxio—a fintech dream comes to an end https://the-ken.com/kaching/axio-a-fintech-dream-comes-to-an-end/

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