Puneet Agarwal Biography: Leading Fintech Innovation
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- July 22, 2025
Puneet Agarwal, an IIT-Delhi alumnus and co-founder of Moneyview, has transformed India’s fintech landscape with his vision for financial inclusion. As CEO, Puneet Agarwal drives Moneyview’s mission to provide accessible credit and financial management tools to millions. With a $1.2 billion valuation in 2025, his leadership has made Moneyview a unicorn. This biography covers his early life, career highlights, struggles, controversies, personal life, social media presence, philanthropy, and lesser-known facts, showcasing his impact.
About Puneet Agarwal
| Category | Details |
|---|---|
| Full Name | Puneet Agarwal |
| Born | India (exact date unavailable) |
| Profession | Entrepreneur, CEO of Moneyview, Investor |
| Notable Work | Moneyview, Google GPay, Capital One, McKinsey |
| Marital Status | Private; Details not publicly disclosed |
| Children | Private; Details not publicly disclosed |
| Net Worth | Not publicly disclosed (Moneyview valued at $1.2B, 2024) |
| Education | B.Tech, IIT-Delhi (1995); MBA, Purdue University |
Puneet Agarwal’s Early Life
Indian Roots
Born in India, Puneet Agarwal grew up with a passion for problem-solving and technology. Raised in a family that valued education, he excelled academically, setting the stage for his admission to the prestigious Indian Institute of Technology, Delhi. Specific details about his childhood remain private, reflecting his low-profile personal life.
Academic Excellence
Puneet graduated with a B.Tech in 1995 from IIT-Delhi, where he honed his analytical skills. He later moved to the U.S., earning an MBA from Purdue University’s Krannert School of Management. His education laid a strong foundation for his future in technology and finance.
Struggles and Down Phases
Early Career Challenges
After graduating, Puneet faced the challenge of adapting to high-pressure roles at McKinsey and Capital One in the U.S. He told YourStory that navigating corporate cultures while innovating in payments was demanding, requiring resilience and adaptability.
Startup Risks
Co-founding Moneyview in 2014 was a bold move. Puneet and Sanjay Aggarwal faced skepticism about serving India’s underserved credit market. Convincing investors and partners of their vision, especially without traditional credit scores, posed significant hurdles, as noted in OrangeOwl.
Career Highlights
Corporate Success
Puneet Agarwal began his career at McKinsey as a consultant, then joined Capital One, leading direct banking and payment solutions. At Google, he played a key role in developing GPay in its early U.S. years, showcasing his product management expertise.
Founding Moneyview
In 2014, Puneet co-founded Moneyview with Sanjay Aggarwal, starting as a personal finance app. By 2016, it pivoted to digital lending, offering loans from ₹5,000 to ₹5 lakh. Moneyview became a unicorn in 2024, valued at $1.2 billion after raising $75 million in Series E funding.
2025 Achievements
In 2025, Moneyview reported ₹1,012 crore in revenue for FY24, a 75% surge, per YourStory. With 45 million app downloads and loans exceeding ₹12,000 crore, Puneet’s AI-driven credit model serves 200 million users, particularly in Tier II and III cities.
Personal Life
Puneet keeps his personal life private, sharing little about his family or relationships. Based in Bengaluru, he enjoys mentoring startups and staying updated on fintech trends. His focus on work-life balance, as seen in LinkedIn posts, reflects his disciplined approach.
Controversies
Limited Public Disputes
Puneet Agarwal has largely avoided personal controversies, maintaining a professional image. Moneyview faced minor criticism for data privacy concerns, common in fintech, but no major scandals have emerged, as reported by The Financial Express.
Industry Competition
Moneyview’s rapid growth drew scrutiny from competitors like InCred and Kissht. Some X users, like @FintechBuzz, questioned its aggressive lending model, but Puneet’s focus on transparency and compliance mitigated concerns, per Inc42.
Social Media Presence
Puneet is active on LinkedIn (@puneetagarwal), sharing Moneyview’s milestones, like its 2025 UPI launch for all users. With 500+ connections, he engages with fintech leaders and posts about financial inclusion, earning thousands of views. He has no active personal X or Instagram accounts.
Lesser-Known Facts
- IIT Connection: Met Moneyview co-founder Sanjay Aggarwal at IIT-Delhi.
- GPay Pioneer: Helped shape GPay’s early U.S. strategy at Google.
- Fast-Track MBA: Completed his Purdue MBA in under two years.
- Startup Investor: Advises and invests in early-stage Indian startups.
- Low Profile: Avoids personal social media, focusing on LinkedIn.
- Bengaluru Base: Chose Bengaluru to tap India’s fintech ecosystem.
- Financial Literacy Advocate: Promotes education via Moneyview’s blog.
- Early Pivot: Shifted Moneyview from budgeting to lending in 2016.
Philanthropy
Puneet supports financial literacy initiatives through Moneyview’s blog, offering free resources on budgeting and credit health. He backs STEM education programs in India, partnering with local NGOs to empower underserved youth, as noted in OrangeOwl. In 2024, Moneyview donated to financial inclusion projects in rural India.
Current Status and Influence
In 2025, Puneet Agarwal leads Moneyview, a fintech unicorn managing $1 billion in assets. With plans for a $400 million IPO, per Livemint, and partnerships with CaratLane for digital gold, Puneet drives innovation for 200 million users. His vision shapes India’s fintech future.
Conclusion
This Puneet Agarwal biography highlights his journey from an IIT scholar to a fintech pioneer. Overcoming startup challenges, Puneet Agarwal built Moneyview into a $1.2 billion unicorn, serving millions with accessible credit. His focus on financial inclusion and philanthropy defines his legacy. In 2025, he continues to revolutionize personal finance in India.
