Optimo Capital secures Rs 100 Cr credit from Punjab National Bank

Optimo Capital has secured Rs 100 crore credit from Punjab National Bank.

Optimo Capital is a tech-enabled NBFC focused on MSME lending with specialisation on loan against property. It has also signed a co-lending partnership with Godrej Finance Limited to disburse Rs 200 crore over the next 12 months.

In October 2025, Optimo had raised Rs 150 crore in equity funding led by Blume Ventures and Omnivore, alongside founder Prashant Pitti. It had previously secured credit from IDFC and Axis Bank.

“India’s MSME sector continues to face $240 billion credit gap despite many businesses having strong collateral,” said Prashant Pitti, Founder of Optimo Capital. “By combining technology with disciplined underwriting, we aim to deliver faster and safer credit access for entrepreneurs across India.”

Optimo, which was founded in 2023, currently manages over Rs 430 crore in assets under management with gross non-performing assets below 0.7%. The fintech firm claims that it has been profitable since inception (past 22 months) and currently generates Rs 2 crore–3 crore in profit every month.

Optimo Capital said it recently received a BBB (Stable) credit rating from CARE Ratings, reflecting its disciplined lending practices and stable financial performance.

The operating business model of Optimo Capital combines both technology and data. The fintech firm says it has 77 lakh historical mortgage and property transaction records. An AI agent is engaged for inspection and valuation. It also says that in-principle loan sanction is delivered within a few hours.

Optimo Capital operates more than 51 branches across Karnataka, Tamil Nadu, Telangana, Andhra Pradesh, and Madhya Pradesh and has over 500 employees.