Results · Financial Services

Optimo Capital posts 4.8x profit jump in FY26

By Startup Enthusiast · 23 June 2026

What they do

Optimo Capital is an NBFC that gives secured loans to MSMEs in smaller cities

Its FY26 net profit surged to ₹10.5 Cr from ₹2.2 Cr, revenue rose 423% to ₹68.5 Cr

The company aims to reach ₹1,200 Cr AUM by FY27 and expand to 158 branches by FY30

The company is an NBFC (non-banking financial company) that lends to MSMEs in Tier-II and Tier-III cities.
It uses a phygital model: digital land records and an AI video tool to assess property value.
In-principle sanction is given within 1 hour, and disbursement within 4 days.
Its AI model has access to over 77 lakh digital land records.
The company's expansion is constrained by the availability of digital land records.

Optimo Capital is an NBFC that offers secured loans to MSMEs.
Its main products are Loan Against Property and Micro-LAP (small-ticket loan against property).
It operates in Tier-II and Tier-III cities across India.
The company uses a phygital verification process: it combines digital land records with an AI video tool to assess property value.
In-principle loan sanction is given within 1 hour, and money is disbursed within 4 days.
Its AI model has over 77 lakh digital land records.
The average loan ticket size is ₹10-50 lakh, with a tenure of about 10 years.
The branch network spans 49 locations across Tamil Nadu, Andhra Pradesh, Telangana, Karnataka, and Madhya Pradesh.
Karnataka accounted for 58.14% of the loan book in H1 FY26.
The company has 580 employees.

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