Stashfin vs Betterment
Side-by-side comparison of AI visibility scores, market position, and capabilities
New Delhi India YC W20 digital lending NBFC at INR 800Cr ($96M) revenue and INR 68Cr profit FY2024; $431M total at $800M valuation with INR 13,000Cr+ cumulative disbursals preparing for IPO competing with KreditBee.
About
Stashfin is a New Delhi, India-based digital lending fintech and NBFC (Non-Banking Financial Company) — backed by Y Combinator (W20) with $431 million in total funding (including significant debt financing) at an $800 million valuation as of June 2022 — providing instant personal loans, credit lines, and consumer credit products to underserved segments in India through a mobile-first digital lending platform. In FY2024, Stashfin generated INR 800 crore ($96 million) in revenue, INR 68 crore in net profit, and INR 2,000 crore in assets under management (AUM), while disbursing over INR 3,500 crore ($420 million) in loans in 2024 alone — with cumulative disbursals exceeding INR 13,000 crore ($1.56 billion) since inception. Founded in 2016, Stashfin is reportedly preparing for an IPO.
Largest independent robo-advisor with $65B+ AUM and 1M+ customers as of late 2025; acquired Ellevest ($1.1B AUM) and Rowboat Advisors in 2025; raised $435M total at ~$800M valuation.
About
Betterment is the largest independent digital investment advisor in the United States, offering automated investing, cash management, and retirement planning services to individual investors, financial advisors, and small business 401(k) plan sponsors. Founded in 2010 by Jon Stein and Eli Broverman, Betterment pioneered the robo-advisor category — using algorithm-driven portfolio construction and automatic rebalancing to deliver diversified, tax-efficient investing to retail investors at a fraction of the cost of traditional financial advisors. The platform's core offering is a diversified ETF portfolio automatically rebalanced and tax-loss harvested, accessible for a 0.25% annual fee on invested assets above $24,000.
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