🚀 Niyogin Fintech – Future Plans & Value Unlocking

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How this fintech is planning to grow from today’s stage to a big player by 2027

1. What is Niyogin Fintech?

Niyogin is a financial technology company that works with small businesses (MSMEs), banks, and other institutions.
They run two main businesses:

  1. NBFC Lending (Niyogin Finserv) – Giving loans to small businesses using a fully tech-enabled model.

  2. iServeU (Tech Infrastructure) – Providing digital payment, banking, and device solutions to banks and fintechs.

2. Why are they changing now?

  • They are splitting their business into two separate companies – one for lending and one for tech.

  • This will make it easier for investors and partners to see how much each business earns.

  • They have raised fresh money (₹56 crore) and plan to borrow more to fund growth.

3. Niyogin’s Future Plans (2025–2027)

Here’s a simple Business Model Canvas to show their game plan:

Business Model Canvas

Section Details (in simple words)
Customer Segments Small businesses (MSMEs), rural/urban merchants, banks, NBFCs, fintech companies
Value Propositions 1. NBFC Lending – Fast, tech-driven loans for small businesses. 2. iServeU – Ready-made digital banking and payment solutions for banks.
Channels Partner banks, API platforms, devices (soundboxes), business correspondent network
Customer Relationships Direct via tech platform, long-term bank contracts, partner-driven
Revenue Streams FY26 Expected Net Revenue: - iServeU: ₹40–45 crore - NBFC Lending: ₹25–35 crore FY27 Expected Net Revenue: - iServeU: ₹150+ crore - NBFC Lending: Balance to reach target
Key Resources Technology platforms, AI tools, ₹56 crore new capital, ₹132 crore borrowings, leadership team
Key Activities Scaling lending book (₹800 crore AUM target by FY27), deploying soundboxes, launching prepaid card stack, expanding BaaS services
Key Partnerships Banks (e.g., Central Bank of India ₹80 crore+ deal for soundboxes), fintech partners, tech providers
Cost Structure Loan funding costs, tech development, marketing, partner payouts, device manufacturing
Value Unlocking - NBFC = Steady interest income & loan portfolio growth. - iServeU = Scalable SaaS income, recurring high-margin revenues.

4. Expected Numbers

📅 By FY26:

  • Total Net Revenue: ₹70–80 crore

  • Profit margin: ~12–15%

📅 By FY27:

  • Total Net Revenue: ₹150+ crore (iServeU alone)

  • NBFC Lending AUM: ₹800 crore

  • Profit margin: ~18–20%

5. Why This Matters for Investors

  • Clarity: Two separate entities → easier to track growth.

  • Scalability: Tech business can grow without large extra costs.

  • Steady Returns: Lending provides a predictable income base.

✅ In short:
Niyogin is moving from being just a lender to becoming a full fintech ecosystem – combining lending with SaaS tech for banks. If they deliver on their targets, the company could unlock massive value for investors and customers by 2027.

I can now turn this into a visual canvas diagram with revenue projections and value-unlock areas so it’s presentation-ready. That would make it even more engaging. Would you like me to do that next?

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