Perfios Unicorn

Perfios is the leader in real-time credit decisioning and analytics, aggregating and analysing financial data such as bank statements, tax data, and business financials to generate reports for credit assessment, monitoring, fraud, and banking data aggregation.

Delivers 8.2 billion data points to banks and financial institutions every year to facilitate faster decisioning, via 75+ products and platforms and 500+ APIs.

Real-time credit decisioning and analytics client base working with over 200 banks, NBFCs, and Fintech companies globally.

Empowers 1000+ financial institutions with software for origination, onboarding, decisioning, underwriting and monitoring at scale in 18 countries.

Perfios frames its institutional relationships as a deep, consultative partnership rather than a purely transactional vendor relationship — its own company description states that clients get both a trusted advisor and a full start-to-end technology platform.

Perfios runs a dedicated Customer Success function of roughly 40 people, with specialized roles spanning international operations, product integration and engagement management — indicating a personal-assistance relationship model for its institutional clients rather than pure self-service.

Perfios extends existing account relationships into adjacent client categories through hands-on deployment engagements — its International CEO described onboarding the first mortgage-broker client onto its Switch platform as extending relationships from banks into a new stakeholder category.

Perfios uses major international BFSI events to launch new platforms and announce client wins directly to the industry — its mortgage-focused 'Switch' platform was launched at Dubai FinTech Summit 2025, and its Nexus 360 partnership with Beehive Fintech was announced at the Singapore Fintech Festival.

Perfios reaches financial institutions abroad through its own regional operations rather than local resellers — it has run UAE operations directly for over 5 years, with its flagship products adopted by top UAE banks, before using that presence to sign its first mortgage-sector client.

Perfios delivers its platforms straight into a client institution's own underwriting and origination systems rather than through channel resellers — Beehive Fintech deployed Perfios Nexus 360 directly into its underwriting process, citing gains in speed and risk governance.

Pioneering software platforms designed to optimize origination, onboarding, decisioning, underwriting, and monitoring processes at scale for financial institutions.

The company's core technology platform helps in the aggregation and analysis of financial data such as bank statements, tax data, and business financials.

Perfios operates 75+ products and platforms, and over 500+ APIs, delivering 8.2 billion data points to banks and financial institutions every year.

Perfios acquired 100% of the issued, subscribed, and the paid up share capital of Karza, a banking and business intelligence solutions provider, for INR 554.5 Cr ($73.5 Mn) plus INR 42.4 Cr ($5.6 Mn) towards subscription of equity securities.

Acquired CreditNirvana, an AI-powered debt management platform that helps banks, NBFCs and fintech firms streamline loan collections, managing a collection portfolio exceeding $9 billion across 42 million loan accounts.

Acquired healthcare information exchange IHX to expand into the health insurance claims ecosystem; IHX connects hospitals, payers and diagnostic labs on a digital healthcare data platform.

Income from services increased by 29.3% to Rs 472.2 crore in FY24.

Earnings from software coding and maintenance spiked 100% to Rs 82 crore during FY24.

Employee benefits costs are Perfios's single biggest expense category, rising 36.4% year-on-year to Rs 291.16 crore in FY24 (from Rs 213.5 crore in FY23) — a cost profile typical of SaaS businesses.

Legal, professional and technology costs, including other overheads, rose to Rs 161 crore in FY24, up from Rs 128.8 crore in FY23.

Depreciation and amortization costs rose 13.1% to Rs 36.3 crore in FY24 (from Rs 32.1 crore in FY23), while total expenses across all cost categories climbed 28.3% to Rs 495.5 crore, from Rs 386.4 crore the prior year.