Funding · Financial Services

Optimo Capital secures Rs 150 crore equity and Rs 100 crore PNB debt for MSME expansion

By Startup Enthusiast · 19 March 2026

What they do

Optimo Capital, a technology-driven NBFC, focuses on MSME lending using proprietary mortgage data and AI valuation

It secured Rs 100 crore debt from Punjab National Bank to bolster its balance sheet and expand into semi-urban and rural markets

The company targets Rs 200 crore disbursement to MSMEs over 12 months via a co-lending partnership with Godrej Finance

Optimo Capital has raised Rs 100 crore in debt from Punjab National Bank.
This financing bolsters the company's balance sheet for future growth.
Optimo plans to disburse Rs 200 crore to MSMEs over the next year.
Disbursements will occur through a co-lending partnership with Godrej Finance Limited.
The funds enable expansion into semi-urban and rural markets across India.
Optimo leverages AI-led property valuation for rapid loan sanctions within hours.
The company targets borrowers who have collateral but lack formal credit access.
Optimo maintains a BBB (Stable) credit rating by CARE Ratings.

Debt financing allows Optimo to scale without diluting equity ownership.
The company has been profitable for 22 consecutive months.
Monthly earnings range between Rs 2–3 crore indicating strong unit economics.
Gross NPAs remain low at less than 0.7% showing asset quality.
AUM stands at over Rs 430 crore demonstrating significant market presence.

Optimo operates as a technology-driven Non-Banking Financial Company.
It focuses specifically on providing loans to Micro Small and Medium Enterprises.
The firm uses a proprietary lending infrastructure built on large datasets.
It processes over 77 lakh mortgage records for accurate risk assessment.
AI systems enable in-principle loan approvals within just a few hours.
Optimo serves customers who possess collateral but struggle with traditional banks.
The company currently operates 51 branches across five Indian states.
States include Karnataka Tamil Nadu Telangand Andhra Pradesh and Madhya Pradesh.
Over 500 professionals work at Optimo to support its operations.

Optimo aims to disburse Rs 200 crore to MSMEs in the next 12 months.
Expansion into semi-urban and rural markets is planned using the new funds.
The company will continue leveraging its AI valuation system for faster processing.

Blume Ventures (lead) — Led the equity round of Rs 150 crore six months prior.
Omnivore (co-investor) — Participated in the equity round of Rs 150 crore six months prior.
Prashant Pitti (participant) — The founder invested in the equity round six months prior.