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Stable Money has raised $25 million in a pre-Series C round at a $175 million valuation, led by Peak XV Partners with participation from Z47, RTP Global, and Fundamentum. The Bengaluru-based wealthtech startup focuses on fixed-income digital investments, targeting India’s massive conservative investor base. The funding signals strong investor confidence in India’s growing wealthtech ecosystem and the rising demand for safe, predictable-return investment platforms.
Bengaluru-based wealthtech startup Stable Money has raised $25 million in a pre-Series C funding round, pushing its valuation to $175 million. The round was led by Peak XV Partners, with participation from Z47 (formerly Matrix Partners India), RTP Global, and Fundamentum Partnership.
This latest funding marks a significant milestone for the fast-growing Indian fintech ecosystem, highlighting rising investor confidence in wealthtech platforms, digital investing solutions, and fixed-income investment startups.
The $25 million funding round strengthens Stable Money’s position in the rapidly expanding Indian digital wealth management market. The company has already raised over $40 million in previous funding rounds from top-tier investors, including Fundamentum Partnership, Matrix Partners India, RTP Global, and Lightspeed India.
These investors are known for backing some of India’s most successful startups, signaling strong conviction in Stable Money’s long-term growth trajectory.
Stable Money is a digital wealth platform focused on fixed-income investments, particularly high-yield fixed deposits (FDs) and low-risk investment options.
The platform aims to simplify access to:
By targeting conservative investors, the company positions itself as an alternative to volatile equity markets and risky crypto investments.
Key positioning:
India’s wealthtech sector is witnessing rapid growth due to structural changes in the financial landscape.
| Factor | Impact on Wealthtech |
|---|---|
| Rising middle class | More first-time investors |
| Digital onboarding | Faster account creation |
| SIP and FD awareness | Higher savings participation |
| Mobile-first platforms | Easier investment access |
| Financial literacy campaigns | Broader adoption |
India’s mutual fund and digital investment market is projected to grow significantly over the next decade, creating opportunities for platforms like Stable Money.
| Funding Stage | Amount Raised | Key Investors | Valuation |
|---|---|---|---|
| Early rounds | $40M+ | Fundamentum, RTP Global, Lightspeed | Not disclosed |
| Pre-Series C (2026) | $25M | Peak XV, Z47, RTP Global | $175M |
This valuation jump reflects strong investor belief in:
India’s traditional investment culture has always leaned toward fixed deposits, gold, and real estate. However, digital platforms are now modernizing access to these products.
| Segment | Estimated Size (2026) | Growth Rate |
|---|---|---|
| Bank FDs | $1.2+ trillion | Stable growth |
| Mutual funds | $0.9 trillion | 6–8% CAGR |
| Digital wealthtech | Rapidly expanding | 20–25% CAGR |
Stable Money is targeting a massive addressable market by digitizing fixed-income investing.
Stable Money operates in a competitive but fast-growing ecosystem.
| Company | Core Focus |
|---|---|
| Groww | Stocks and mutual funds |
| Zerodha | Discount broking |
| INDmoney | Global investing |
| Jupiter | Neobanking + investments |
| Stable Money | Fixed-income focus |
Unlike equity-focused platforms, Stable Money’s niche lies in safe, predictable-return products.
Stable Money’s monetization is expected to come from:
| Revenue Source | Share Estimate |
|---|---|
| Distribution fees | 40–50% |
| Bank partnerships | 25–30% |
| Premium services | 15–20% |
| Others | 5–10% |
The valuation indicates:
The newly raised capital is likely to be deployed toward:
| Metric | Projection |
|---|---|
| Wealthtech users | 150+ million |
| Digital investment accounts | 200+ million |
| Mutual fund AUM | $1.27 trillion by 2031 |
| Fixed-income digital adoption | Rapid expansion |
The sector is expected to see multiple unicorns in the coming years, with platforms like Stable Money targeting large untapped segments.
While equities and crypto dominate headlines, a large segment of Indian investors still prefers:
Stable Money is building its brand around this exact demand, making it a potential category leader in fixed-income wealthtech.
Because it focuses on fixed-income products, a massive and under-digitized segment of India’s investment market, attracting funds from firms like Peak XV Partners and Fundamentum Partnership.
Unlike stock or crypto platforms such as Groww or Zerodha, it specializes in safe, predictable-return instruments like fixed deposits.
Disclaimer: This article is for informational purposes only and does not constitute financial advice or investment recommendations.
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