About MoneyCloud
India's most trusted AI-powered digital lending platform — committed to making credit accessible, affordable and transparent for every Indian. Our mission is to empower dreams and enable financial inclusion through technology and trust.
Since 2022
FOUNDED
AASRA FINCORP PRIVATE LIMITED
RBI-registered NBFC partner
28 states
Pan-India presence
RBI DLD 2025
Regulatory frame
From a 2022 idea to a regulated digital NBFC stack
MoneyCloud began in 2022 as a digital lending platform with a clear goal: build a seamless lending experience for the underserved population of India. In partnership with an RBI-registered NBFC (AASRA FINCORP PRIVATE LIMITED), we recognised that millions of individuals and small businesses were excluded from traditional financial systems, facing complex processes and limited access to credit.
We saw the challenges many faced with traditional financing. By leveraging cutting-edge technology, we set out to offer accessible and fair loan products. Our digital-first approach removes barriers, simplifies the process, and empowers individuals to achieve their financial goals with dignity and ease.
Three entities. One regulated lending pipeline.
Every loan on the MoneyCloud platform flows through this stack. It's how we stay compliant, scalable and unambiguous about who does what.
The Brand
MoneyCloud
The brand borrowers know. Product strategy, user experience, growth, communication — and the reason someone downloads the app.
Technology / LSP
STARLINE UTILITY SERVICES PRIVATE LIMITED
Business Rules Engine, KYC, Key Fact Statement generation, disbursal rails, payment links, eNACH, DPD tracking, telephony, field collections — all in one production stack.
The Regulated Entity (NBFC)
AASRA FINCORP PRIVATE LIMITED
Every loan on the MoneyCloud platform is lent by our NBFC partner. Credit sanction, bureau reporting, final grievance escalation — the Regulated Entity on record for each transaction.
This separation — brand, LSP, NBFC — is by design. It keeps accountability sharp, makes the compliance posture auditable, and mirrors RBI's intent under the Digital Lending Directions, 2025.
Our Vision
To be India's most trusted and preferred digital lending platform, empowering millions to achieve their financial aspirations — from salaried borrowers in metros to informal-sector self-employed reaching us through our neighbourhood retail partners.
Our Mission
To make our vision a reality, we are on a mission to:
- Provide innovative, accessible and responsible lending solutions.
- Leverage technology for a seamless end-to-end customer experience.
- Foster financial inclusion across all of India — metro and rural, salaried and self-employed.
Our core values
These principles guide everything we do and define who we are as a company.
Customer First
Every decision starts and ends with our customers' best interests at heart.
Trust & transparency
All-inclusive APR on every Key Fact Statement. No hidden charges, no surprise fees.
Innovation with discipline
Cutting-edge AI for faster, fairer lending — built on a regulatory-first architecture that survives an RBI inspection on a Tuesday morning.
Inclusivity
Credit accessible to every Indian, regardless of background — including last-mile borrowers reached through our proprietor network.
Excellence
The highest standards of service in everything we do — from origination to collections to grievance resolution.
Social impact
Building a lending ecosystem that genuinely improves lives and creates sustainable economic opportunities across India.
What you can count on
Ten standards that shape every loan we make — and every interaction after it.
RBI-aligned Practices
Lending and collections follow RBI's Digital Lending Directions, start to finish.
Fast, secure onboarding
Apply in minutes with fully digital KYC, verified through secure channels.
Bank-grade security
Your data stays encrypted and private, to DPDP and ISO-grade standards.
Dedicated support
Real people for borrowers and partners — over phone, email and chat.
Always-on fraud monitoring
Continuous checks guard every account against fraud and misuse.
Transparent Pricing
One all-inclusive rate on your Key Fact Statement — no hidden charges, ever.
Repayment on your terms
Pay early or pay extra to shorten your tenure, with zero prepayment penalty.
Real-time tracking
Watch your balance update live, with a reminder before every due date.
Responsible lending
We lend only what comfortably fits your income and existing obligations.
Smart underwriting
Technology-led credit decisions get you an answer in minutes, not days.
Let's connect
Have questions? We're here to help. Reach out through any of these channels.
Call the Desk
9899900468
Mon–Sat, 10am–7pm
Drop a Line
info@moneycloud.in
We reply within a business day
Pay Us a Visit
Flat No.: 1001, 10th Floor, Wave Silver Tower, Captain Vijayant Thapar Marg, Sector 18, Noida, Gautam Buddha Nagar, Uttar Pradesh - 201301
STARLINE UTILITY SERVICES PRIVATE LIMITED
MoneyCloud — Registered Office
Flat No.: 1001, 10th Floor, Wave Silver Tower, Captain Vijayant Thapar Marg, Sector 18, Noida, Gautam Buddha Nagar, Uttar Pradesh - 201301