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<ul><li>The quarterly funding for the <keyword id="6358815" type="General" weightage="100" keywordseo="tech" source="Orion">tech</keyword> sector peaked in Q3 2021 at $14.8 billion and has been on a steady decline since then, says <keyword id="2779670" type="General" weightage="80" keywordseo="tracxn" source="Orion">Tracxn</keyword>. </li><li>August 2022 witnessed $885 million in funding with 102 funding rounds and 9 acquisitions. </li><li><keyword id="6355033" type="General" weightage="50" keywordseo="bangalore" source="Orion">Bangalore</keyword> leads in the total funds raised, followed by Mumbai and Delhi. </li></ul><ul><li>Beenext, LetsVenture, Accel, <keyword id="592779" type="General" weightage="50" keywordseo="blume-ventures" source="Orion">Blume Ventures</keyword> lead VC funding for August in India. </li></ul>India is currently experiencing a funding winter across <keyword id="675306" type="General" weightage="20" keywordseo="tech-startups" source="Orion">tech startups</keyword> which is expected to continue for the next 12-18 months, says a report by Traxcn. In the thick of the pandemic, the quarterly funding for tech startups peaked in July September quarter of 2021, at $14.8 billion and it’s been on a steady decline since then, the report said. In the next two quarters that followed, the average funds raised was around $10 billion, which dropped to $6.48 in the April-June quarter. In the current quarter, it’s all set to become leaner as startups raised only $2 billion quarter to date with only one month to go. In August, Indian tech startups raised $885 million and only a sliver of the companies surveyed by Tracxn received funding. Out of the 100,000 companies surveyed, only 10,000 received funding since last year. <div type="image" title="Funding winter" msid="94007040" hostid="261"></div> Tech startups that beat the funding winter Despite the funding winter, <keyword id="1464841" type="General" weightage="50" keywordseo="edtech" source="Orion">edtech</keyword> unicorn <keyword id="2008319" type="General" weightage="50" keywordseo="upgrad" source="Orion">UpGrad</keyword> was able to raise $210 million last month in addition to raising $225 million in June this year. UpGrad plans to achieve $500 million in gross revenue in FY23. The company also wishes to hire 2,800 full time and part-time faculty in the next three months. Pune-based fintech startup <keyword id="3150552" type="General" weightage="50" keywordseo="earlysalary" source="Orion">EarlySalary</keyword> also raised a $110 million this month. It provides instant loans to young salaried individuals. “The most funded business models in the past one year are online test preparation courses, vernacular content sharing platforms, ultra fast grocery delivery, digital wallets and hyperlocal delivery platforms,” the report stated. India has 85 unicorns, 268 soonicorns and 938 minicorns, Tracxn revealed. Top Indian cities that raised funding Out of the surveyed cities, Bangalore led the funding rounds with the maximum amount of investment raised. Delhi-NCR, Mumbai and Gurgaon came a close second. <table style="border-width: initial; border-style: none; table-layout: fixed; width: 468pt;" class="redcator-table-advance"></colgroup><tbody><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Cities </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Funding </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Bangalore </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">36 Rounds, $234 million </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Delhi NCR </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">24 Rounds, $124 million </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Mumbai </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">21 Rounds, $364 million </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Gurgaon </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">11 Rounds, $50.5 million </td></tr></tbody><tbody></tbody></table> In the month of August, the top startups that raised funding were: edtech company Upgrad, neo fintech company EarlySalary, soonicorn device management company Servify and genetic testing company MedGenome. August 2022 funding leaderboard <table style="border-width: initial; border-style: none; table-layout: fixed; width: 468pt;" class="redcator-table-advance"></colgroup><tbody><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Startup </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Funding raised Aug 2022 </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">upGrad </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">$210 million - Series F </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">EarlySalary </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">$110 million - Series D </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Servify </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">$65 million - Series D </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">MedGenome </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">$50 million - Series D </td></tr></tbody><tbody></tbody></table> The top investors for the Indian tech space last month were AngelList with 313 investments; and LetsVenture with 303 investments. Beenext, LetsVenture, Accel, Blume Ventures are the leading venture capitalists within the Indian tech industry. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/ecommerce/news/amazon-great-indian-festival-sale-best-deals-and-offers/articleshow/94004700.cms">Amazon Great Indian Festival sale announced – card offers, cashback, new launches and more</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/startups/news/indian-space-tech-startup-skyroot-aerospace-raises-51-million-in-gic-led-funding-round/articleshow/94003808.cms">Indian space tech startup Skyroot Aerospace raises $51 million in GIC-led funding round</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/ecommerce/news/meesho-expects-4x-jump-in-small-business-participation-this-festive-season/articleshow/94001329.cms">Meesho expects 4X jump in small business participation this festive season</a>

Funding winter is here for tech startups and will go on for 12-18 months: Tracxn

If you need short-term loan for a period of seven to 30 days, <keyword id="3150552" type="UNKNOWN" weightage="20" keywordseo="EarlySalary">EarlySalary</keyword> is your platform, which lets you avail loan up to Rs one lakh within minutes. 
 
All you need to do is sign up on EarlySalary through Facebook or LinkedIn and answer a few questions. 
 
EarlySalary’s CEO Akshay Mehrotra said people also need to upload their PAN number and bank statements. 
 
“Within ten minutes, the credit is underwritten digitally,” said Mehrotra who launched the platform with Ashish Goyal and Jay Jain. 
In a conversation with ET, Mehrotra said PAN and bank account details will reveal details about a person's credit history, which will be important to know whether to lend or not. 
 
The Pune-based startup raised $1.5 million, or about Rs 10 crore, in November last year and it will use this amount to give out loans of between Rs 10,000 and Rs 1,00,000 for a period of seven to 30 days. 
 
The interest rate charged is at 24-30 per cent. EarlySalary’s potential users are youngsters in the 22-30 age group. 
 
No one fleece the firm as the founders say social media will play an important part in determining who the loans will be disbursed to. 
 
“If someone has defaulted on a loan payment, then chances are that Facebook 'friends' of that person might not find it easy to get a loan approval,” said Mehrotra. 
 
(Image: Thinkstock)

Now there is a way to get your salary early! Just ask EarlySalary

The funding in Indian startups nosedived a massive 80 per cent (year-on-year) in the third quarter (July-September period) this year, with the late-stage funding seeing the biggest fall, a report showed on Tuesday. Indian startups raised $3 billion in Q3, which was also 57 per cent lower as compared to the previous quarter (Q2) this year. The average ticket size also witnessed a drop across all funding stages, with the late stage seeing the biggest fall of over 70 per cent, from $142 million in Q3 2021 to $42 million in Q3 2022. This indicated that investors are not willing to make large <keyword id="6362476" type="General" weightage="20" keywordseo="investments" source="Orion">investments</keyword> until economic conditions stabilise, reports market intelligence platform Tracxn. "<keyword id="3658" type="General" weightage="100" keywordseo="india" source="Orion">India</keyword> is currently experiencing a funding slowdown which is expected to continue for the next 12-18 months and the effects of the funding slowdown are expected to intensify going forward," said <keyword id="520013" type="General" weightage="80" keywordseo="neha-singh" source="Orion">Neha Singh</keyword>, Co-Founder of Tracxn. Executives across the world anticipate a recession in the near future and are making preparations to cut costs. "To add to their woes, the recent energy crisis in the UK and Europe and also the sliding GBP and EUR have increased the likelihood of a global recession," Singh added. Genomics sector in India saw maximum investor interest in Q3, receiving over $231 million in funding, which is higher than the total funding received in the year 2021. The five companies that raised funding rounds of more than $100 million in the quarter were EarlySalary, 5ire, InsuranceDekho, OneCard, and BookMyShow, with the most active investors being Better Capital, Venture Catalysts and <keyword id="6426108" type="General" weightage="80" keywordseo="surge" source="Orion">Surge</keyword>. Some of the other key highlights were 109 startups closing their first funding round, three startups turning unicorns, 39 startups getting acquired, and two filing for their IPOs. Molbio Diagnostics, 5ire and OneCard turned unicorns and Zopper, LifeCell, Jar, DotPe, Vegrow Bigspoon, InsuranceDekho, CUSMAT, Airtribe and Serentica Global joined the Soonicorn club. India received $752 million in funding in the month of September, down by 15 per cent as compared to August and down by 83 per cent as compared to the same period last year. "We are seeing large PE and VC funds treading cautiously led by significant changes in the investment environment in recent quarters. We expect this to continue until we see signs of stabilisation globally, said <keyword id="886686" type="General" weightage="80" keywordseo="abhishek-goyal" source="Orion">Abhishek Goyal</keyword>, Co-Founder of Tracxn. SEE ALSO:

India startup sector sees 80% drop in Q3 funding, slowdown to continue

<ul><li>In the September ending quarter, the value of VC deals stood at $2.7 billion.</li><li>This quarter’s VC deal value is much lower than that of Q3, 2021 where it peaked to $15.9 billion.</li><li><keyword id="12740525" type="General" weightage="20" keywordseo="Fintech-investment" source="Orion">Fintech investment</keyword> continued to buck the trend as seen in many big deals, says <keyword id="50041" type="General" weightage="20" keywordseo="KPMG" source="Orion">KPMG</keyword>.</li><li>Globally, <keyword id="4522808" type="General" weightage="20" keywordseo="VC-investment" source="Orion">VC investment</keyword> dropped to a low not seen since the second quarter of 2020.</li><li>KPMG expects these challenges to continue in the fourth quarter, and deals will also take more time to close. </li></ul><keyword id="10940579" type="General" weightage="20" keywordseo="Venture-capital-investments-in-India" source="Orion">Venture capital investments in India</keyword> have been ‘quiet’ both in terms of deal count and value in the September ending quarter, says a KPMG report. For the June-September quarter this year, the total deal value of VC investments stood at $2.7 billion. This is significantly lower than what it was in the same period last year at $15.9 billion. However, deal values peaked in Q3 of 2021 and have been falling since then. But the Q3 deal value in 2022 fell sharply as compared sequentially too – from Q2’s $7.4 billion. Yet, there is a silver lining. “VC investment in India has softened this quarter across most industry verticals. Fintech investment however continued to buck this trend garnering significant investor attention as evidenced in the number of big deals,” said Nitish Poddar, partner and nation leader of private equity at KPMG India. The largest deal of the quarter was a $210 million investment in edtech UpGrad, and a $165 million investment into eyeglass prescription company, Lenskart. Neo-bank platform Niyo too raised $130 million during the quarter. “Fintech was one of the most attractive sectors of investment in India, this quarter. In addition to Niyo, online automobile insurance company InsuranceDekho raised $100 million, and digital lending company EarlySalary raised $97 million,” the report said. In spite of slowing, India is one of the few countries where VC activity is still resilient along with China and Japan, says the report. Every region had at least one over $1 billion mega deal Globally, VC investment dropped to a low not seen since the second quarter of 2020 – in the thick of the pandemic. This in spite of mega deals seen across every region like $1.9 billion raised by SpaceX in the US, $1.4 billion raised by Celonis in Germany and $1.2 billion raised by Sunwoda EVB from China. The overall VC funding for the quarter stood at $87 billion for Q3 globally, falling sharply from $136 billion in Q2. On a year-on-year comparison, the fall is even higher from $190 billion in Q3 of 2021. This quarter also saw a lot of down rounds where funds were raised at lower valuations, the report said. “Companies that have high valuation will have to work hard to keep them. On the positive side there is a lot of dry powder in the market. The strong companies and resilient ones will continue to attract funding and they will prosper,” said Jonathan Lavender, global head of KPMG. As per the report, the energy, healthcare and biotech sectors continued to witness good VC activity along with, while consumer focussed companies lost traction due to high inflation, interest rates and strengthening case for a global recession. KPMG also expects these challenges to continue in the fourth quarter as well. “Deals will take more time to complete as investors conduct robust due diligence, particularly on forecasts. While the IPO door is expected to remain firmly shut, there could be an upswing in M&amp;A activity as companies consider alternative exit plans,” the report said. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/news/gold-and-silver-for-medium-to-long-term-as-investment/articleshow/94986756.cms" style="">'Gold and Silver for medium to long term as investment'</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/corporates/news/adani-transmission-bags-project-from-best-to-install-over-1-million-smart-meters-in-mumbai/articleshow/94982223.cms" style="">Adani Transmission bags project from BEST to install over 1 million smart meters in Mumbai</a>

VC investments in India soften across all verticals, except fintech: KPMG

Zepto, Dunzo among the next 122 unicorns from India — here's the complete Hurun list

<ul><li><keyword id="6485927" type="ORGANIZATION" weightage="20" keywordseo="realme">Realme</keyword> announced its entry into financial services with Realme Payसा. </li><li>It comes days after <keyword id="874458" type="COMPANY" weightage="20" keywordseo="Xiaomi">Xiaomi</keyword> launched its credit lending platform Mi Credit. </li><li>In the smartphone segment, Xiaomi holds a 27.1% market share, whereas Realme has a 14.3% share in the Indian market. </li></ul> Indian smartphone maker Realme announced its entry into financial services with Realme Payसा. It hopes to acquire 25 million users in the next two years. Its entry into financial services comes days after Xiaomi launched its credit lending platform Mi Credit. “We aim to repeat our success in the mobile business and become one of the top 5 new entrants in financial services in the next 2-3 years. We are evaluating the launch of mobile phone financing and payments in 2020,” said Madhav Sheth, CEO- realme India. Both Xiaomi and Realme are competing in the Indian affordable smartphones category and now they will continue it their fight in the financial services segment too as well. According to <a href="https://techcrunch.com/2019/11/11/realme-india-xiaomi-market-share/">reports</a>, Xiaomi holds a 27.1% market share in smartphones, whereas Realme has a 14.3% share in the Indian market. Realme’s offering is similar to that of Xiaomi. realme Payसा beta app offers digital personal loans upto ₹1 lakh and digital SME loans upto ₹5 lakh. Mi Credit too offers personal loans upto ₹1 lakh, after one registers on the platform with relevant details. In China, Xiaomi has already disbursed ₹1 lakh crore in loans since its launch in 2015 and for all of its financial services – payment, credit, wealth and insurance, it has a user base of 45 million. While Xiaomi has partnered with Aditya Birla Finance Limited, Money View, EarlySalary, Zestmoney and CreditVidya, Realme has associated with Early Salary, Lending Kart and Credit Mantri. SEE ALSO <a href="https://www.businessinsider.in/business/news/xiaomi-launches-mi-credit-in-india/articleshow/72350148.cms">Xiaomi’s Mi Credit promises to give you a loan by the time you order and finish a cup of coffee</a>

Smartphone makers Realme and Xiaomi will compete in the financial services market too

After the success of its pilot programme in India, Xiaomi is back with its digital lending platform <keyword id="6552363" type="UNKNOWN" weightage="20" keywordseo="Mi-Credit">Mi Credit</keyword>. Through the app, the company provides instant loans up to ₹1 lakh to users within five minutes. Earlier, Xiaomi had partnered with KreditBee to disburse loans. This time around, it has partnered with Aditya Birla Finance, Money View, EarlySalary, CreditVidya and ZestMoney. Xiaomi is providing real-time disbursements and supports all major banks on its platform. How to avail an <keyword id="4381247" type="PERSON" weightage="20" keywordseo="instant-loan">instant loan</keyword> from Mi Credit The loan application process is 100% digital and takes just five minutes. Just follow the below steps to avail a loan up to ₹1 lakh from Mi Credit: <ul><li>Download the <a href="https://play.google.com/store/apps/details?id=com.micredit.in.gp">Mi Credit</a> app from the Google Play Store.</li><li>Sign in using your phone number or your Mi account.</li><li>Once you sign in, you will see a banner that says, ‘Maximum loan amount ₹1,00,000’.</li><li>Click on the ‘Complete’ button.</li><li>Now, enter the required information such as your name, gender, date of birth, email ID, PAN number and pin code.</li><li>Agree to the terms and conditions at the end and click on ‘Submit’.</li><li>You will then be asked to submit your address proof and a selfie as part of KYC.</li><li>A loan profile will inform you whether you are eligible for a loan.</li><li>If you are eligible, you will be asked to submit your bank account details and the loan will be disbursed to your account.</li></ul>How to check your credit score on Mi Credit app In addition to availing an instant loan, you can also check your credit score on the Mi Credit app for free. <ul><li>Download the <a href="https://play.google.com/store/apps/details?id=com.micredit.in.gp">Mi Credit</a> app from the Google Play Store.</li><li>Sign in using your phone number or your Mi account.</li></ul><ul><li>At the bottom bar, click on ‘Profile’.</li><li>Now, click on ‘Credit Report’.</li><li>Provide the required details, including your PAN number.</li><li>Agree to the terms and conditions at the bottom and click on ‘Submit’.</li></ul>Once your credit report is ready, it will be sent to your registered email address.

Here’s how you can avail an instant loan from Mi Credit

New Delhi, Dec 3 () Chinese smartphone major Xiaomi on Tuesday formally launched its lending solution, Mi Credit, in the Indian market.
 This is Xiaomi's second finance solution to be launched in India after Mi Pay.
 "Mi Credit is an online curated marketplace for lending to offer the best personal loans... People can get up to Rs 1 lakh of loan and the process takes minimal time," Manu Jain, Vice President, Xiaomi and Managing Director, Xiaomi India told reporters here.
 He added that the opportunity in online credit lending in India is estimated to touch Rs 70 lakh crore by 2023.
 Citing a CIBIL report, Xiaomi said there are over Rs 4 lakh crores worth of personal loans outstanding from nearly 1.9 crore customers, with each user accounting to an almost Rs 2 lakh of outstanding amount.
 Of these 1.9 crore customers, majority tend to avail it for medical emergencies followed by shopping, wedding, travel and education purposes.
 The current lending partners for Mi Credit are primarily NBFCs or Fintechs such as Aditya Birla Finance Ltd, Money View, EarlySalary, Zestmoney and CreditVidya.
 "It's built as the first personal loan choice for aspirational young professionals and millennials. Mi Credit solves most challenges associated with the traditional lending industry with a 100 per cent digital experience," Jain said.
 Mi phone users can also check their credit score on the app for free.
 "All user data on Mi Credit is stored securely in encrypted format in India through our partner Amazon Web Services Cloud Infrastructure," he said.
 Mi Credit has been running in India in a pilot format, and has already disbursed loans of over Rs 28 crore in November this year.
 Over 20 per cent of its users availed the highest amount of loan of Rs 1 lakh.
 Currently, Mi Credit services more than 10 states spanning across 1,500 pin codes, and aims to expand its availability to 100 per cent of the pin codes by the end of FY2019, Jain said.
 Mi Credit app will come pre-loaded on all MIUI phones, and can be downloaded from Google Play Store and GetApps, Xiaomi's own app store.
 Mi Pay is a UPI based payment app available on all MIUI phones, and can be downloaded from GetApps and Google Play Store. It was launched in India in March 2018, and within nine months has already captured over 20 million registered users.
 Hong Feng, Co-Founder and Senior Vice President, Xiaomi Corporation and Chairman and CEO, Xiaomi Finance said the company's Mi Finance business started four years ago in China.
 "Today, we have over 300 million Mi Fans in our global community and having understood their consumption behaviour - it is one of the strengths we aim to leverage to build a stronger Mi Finance business globally," he added. SR DRR

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