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Home > Founder Thesis > The Lending Business That Never Charges Interest or Late Fees | Nalin Agrawal (SnapMint)
Podcast: Founder Thesis
Episode:

The Lending Business That Never Charges Interest or Late Fees | Nalin Agrawal (SnapMint)
Category: Business
Duration: 01:35:36
Publish Date: 2026-02-26 06:30:00
Description:

Nalin Agrawal, Co-founder of SnapMint, is a three-time entrepreneur and IIT Bombay alumnus who has quietly built one of India's most efficient consumer financing platforms, scaling from a tiny ₹5 crore revenue to ₹350 crores while serving 7 million monthly users across 23,000 pin codes.   

In this candid, wide-ranging conversation with host Akshay Datt, Nalin reveals the contrarian principles behind SnapMint's success: why they have never charged a single rupee in late fees, how their data science moat achieves industry-beating credit loss rates, and why they believe India will leapfrog credit cards entirely and go straight to EMI on UPI.   

What you will learn in this episode: 
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