COMPANY INTELLIGENCE PROFILE
Wizzmoni Financial Services Limited (formerly Unimoni Financial Services Limited)
Wizzmoni Financial Services Limited (brand: Unimoni) — an RBI-authorised foreign-exchange, remittance, travel-money and NBFC-lending company, part of the global Wizz Financial group (formerly Finablr/UAE Exchange).
Wizzmoni Financial Services Limited, formerly known as Unimoni Financial Services Limited, is a public unlisted company active in foreign exchange, money transfer, travel services, and NBFC lending in India. An RBI-authorised entity, it operates under the Unimoni brand with approximately 310 branches nationwide. Part of the global Wizz Financial group, it reported a total income of ₹192.68 crore in FY25. The company is credit rated ACUITE BBB / Stable by Acuité Ratings & Research.
AI-generated, may contain errors.
Business Overview
- RBI-authorised foreign exchange, outbound money transfer/remittance, travel and forex-card services, plus NBFC lending (loans/AUM), operating consumer-facing under the "Unimoni" brand with a nationwide branch network (~310 branches).
- Part of the global Wizz Financial group, formerly Finablr / UAE Exchange group, a payments & FX platform spanning 170+ countries.
- Began India operations in 1991
- Incorporated 1995.
Sector & Classification
MCA NIC code 85110 (legacy "Health and Social Work" classification carried on the master data — a known MCA mismatch; actual business is RBI-authorised foreign exchange / money transfer / travel services and NBFC lending)
Directors & Key Management
Directors — source notes
Krishnan Rajamony — Whole-Time Director / CEO, DIN 03635219 (appointed 19 Sep 2011); Dominic Traynor — Director, DIN 09713887 (17 Jul 2024); Amir Nagammy — Director, DIN 10693203 (17 Jul 2024); Venkataramani Radhakrishnan — Director, DIN 00829107 (13 Oct 2025); Anupam Sonal — Director, DIN 11330572 (13 Oct 2025). Source: thecompanycheck.com / tofler.in (DINs cross-checked between the two).
GST Registrations
Home state: Karnataka. PAN AAACU2040F. Confirmed registrations: Tamil Nadu — 33AAACU2040F1ZZ (registered 01 Jul 2017); Puducherry — 34AAACU2040F1ZX (registered 16 Jul 2017) [source: mastersindia.co]. As a multi-branch pan-India forex/NBFC the entity holds many state GSTINs; primary Karnataka GSTIN (29AAACU2040F1Z_) exact check-digit not obtained. Total number of registrations: not obtained.
Financials
Wizzmoni Financial Services Limited reported FY25 income of ₹192.68 Cr with a PAT of ₹9.32 Cr and net assets of ₹562.13 Cr. FY24 income was ₹208.44 Cr with a PAT of ₹30.98 Cr. PAT declined ~70% YoY, and AUM was ₹377.90 Cr as of Sep 2025. GNPA improved from 3.49% in FY24 to ~0%.
AI-generated, may contain errors.
| Standalone, per Acuité rating rationale, 6 Mar 2026: FY25 — Total Income ₹192.68 Cr, PAT ₹9.32 Cr, Net Worth ₹322.66 Cr, Total Assets ₹562.13 Cr. | |
| FY24 — Total Income ₹208.44 Cr, PAT ₹30.98 Cr, Net Worth ₹316.28 Cr, Total Assets ₹474.48 Cr. | |
| AUM | ₹377.90 Cr as of 30 Sep 2025. |
| PAT fell | ~70% YoY FY24->FY25. |
| GNPA improved from | 3.49% (FY24) to ~0%. |
| EBITDA | not separately disclosed., Note: thecompanycheck lists a much lower "FY2024 revenue ₹22.38 Cr" figure that conflicts with Acuité's ₹208.44 Cr total income — likely a segment/operating-revenue definitional difference; Acuité's audited-derived figures are more reliable. |
Funding History
- No external venture/PE funding rounds found — wholly-owned subsidiary within the Wizz Financial, ex-Finablr/UAE Exchange, group
- Funded via group equity and bank debt/NCDs. None found.
Loans & Charges
- Open charges ₹298.98 Cr
- Satisfied charges ₹1,270.23 Cr, source: thecompanycheck / tofler. Principal charge-holders / lenders include City Union Bank Limited and Yes Bank Limited, among others.
Credit Ratings
- Acuité Ratings & Research: ACUITE BBB / Stable (6 Mar 2026) on ₹350 Cr total — ₹300 Cr bank facilities, ₹200 Cr assigned + ₹100 Cr reaffirmed, and ₹50 Cr Non-Convertible Debentures.
- Historically rated by CARE Ratings, press releases 2020 & 2021 under the "Unimoni Financial Services Limited, Erstwhile UAE Exchange & Financial Services," name
- Current CARE grade not obtained.
Legal & Compliance
- No specific material litigation confirmed via Indian Kanoon in this pass; not obtained, none found in sources reviewed.
Competitive Landscape
- Forex/remittance & travel-money peers: Thomas Cook (India) Ltd (large listed)
- EbixCash World Money / Centrum (mid-large)
- Weizmann Forex Ltd (mid)
- BookMyForex (mid, digital)
- Wall Street Finance Ltd (small-mid)
- Muthoot Forex / Muthoot Fincorp forex arm (large group). Scale tags approximate.
Frequently Asked Questions
What does Wizzmoni Financial Services Limited do?
Wizzmoni Financial Services Limited is an RBI-authorised company involved in foreign exchange, outbound money transfer and remittance, travel and forex card services, and NBFC lending. It operates consumer-facing under the 'Unimoni' brand with a nationwide branch network and is part of the global Wizz Financial group.
What is the Corporate Identification Number (CIN) of Wizzmoni Financial Services Limited?
The CIN of Wizzmoni Financial Services Limited is U85110KA1995PLC018175.
What is the primary GSTIN of Wizzmoni Financial Services Limited?
The primary GSTIN exact check-digit for Wizzmoni Financial Services Limited in Karnataka is not obtained, but confirmed registrations include Tamil Nadu (33AAACU2040F1ZZ) and Puducherry (34AAACU2040F1ZX).
When was Wizzmoni Financial Services Limited incorporated?
Wizzmoni Financial Services Limited was incorporated in 1995.
What is the registered office address of Wizzmoni Financial Services Limited?
The registered office of Wizzmoni Financial Services Limited is located at NG-12 & 13, Manipal Centre, North Block, Dickenson Road, Bangalore, Karnataka 560042.
Sources
tofler.in (CIN registry, directors, capital, charges); thecompanycheck.com (directors+DINs, capital, charges, revenue); mastersindia.co (GSTINs 33AAACU2040F1ZZ, 34AAACU2040F1ZX); instafinancials.com (paid-up/authorised capital, NIC 85110, latest BS 31 Mar 2025, website); connect.acuite.in (ACUITE BBB/Stable 6 Mar 2026, FY24/FY25 financials, AUM, asset quality); careratings.com (historical CARE press releases 2020-2021); Facebook/company statements (Wizzmoni formerly Unimoni); web search (group = Wizz Financial, 310 branches, 170+ countries).
Information compiled from public registry and secondary sources. It may be incomplete or dated; verify independently before relying on it.