Easy Platform Services, the Indian fintech company behind digital lending platform Zype, returned to profitability in the 2025/26 financial year, recording a consolidated profit after tax of ₹5.3 crore after posting a ₹12.9 crore loss a year earlier.
The turnaround came alongside a sharp expansion in the company’s lending portfolio. Easy Platform’s total managed assets climbed 63.5 per cent year-on-year to ₹621.2 crore in FY26, compared with ₹379.9 crore in FY25.
According to figures cited by Brandspur Banking News Desk from credit ratings agency ICRA, the company also recorded a 66.6 per cent increase in consolidated total income, which rose from ₹106 crore to ₹176.6 crore during the year.
The positive performance continued into the first quarter of FY27. Easy Platform provisionally reported a profit after tax of ₹6.1 crore on total income of ₹66 crore, while its managed assets increased by a further 28.5 per cent to ₹798.4 crore.
The company’s asset quality also improved during the period. Its gross Stage 3 ratio, which broadly represents credit-impaired loans that have remained overdue for more than 90 days, fell from three per cent in FY25 to 2.2 per cent in FY26. By the end of the first quarter of FY27, the ratio had declined further to 1.7 per cent.
Easy Platform’s capital position strengthened as well, with its capital-to-risk weighted assets ratio rising from 24.7 per cent to 33.3 per cent in FY26. Although the ratio subsequently moderated to 23.6 per cent in Q1 FY27, it remained above the regulatory minimum of 15 per cent.
The financial disclosures formed part of ICRA’s rationale for assigning a provisional A-(SO) rating to ₹8.07 crore worth of pass-through certificates issued by Nebula Trust 2026. The securities are backed by personal loan receivables originated by Respo Financial Capital, Easy Platform’s non-banking financial company subsidiary.
Founded in 2019 by Yogi Sadana and the late Ajay Relan, Easy Platform operates Zype, a digital lending platform focused on unsecured personal loans for salaried customers across Tier I, II and III cities.
Its wholly owned subsidiary, Respo Financial Capital, received its NBFC licence from the Reserve Bank of India in June 2023. Through Zype, the business handles customer acquisition, credit underwriting, loan servicing and collections, while Respo also earns commission income from insurance distribution as an IRDAI-registered corporate agent.
The fintech secured ₹90 crore in Series B funding in August 2025 in a round led by Japanese venture capital firm UNLEASH Capital Partners, with existing investor Xponentia Capital also participating. The transaction took the company’s cumulative equity funding since inception to about $28 million.
As of June 30, 2026, Xponentia Opportunities Fund I and Xponentia Opportunities Fund II together held an 85.5 per cent stake in Easy Platform. UNLEASH Capital held 4.7 per cent, while Sadana owned 3.7 per cent.
Zype operates in India’s increasingly competitive digital consumer lending market, where it competes with platforms including Fibe, KreditBee and Navi. Its latest financial performance marks a significant shift from the previous fiscal year, with stronger income, expanding managed assets and lower reported credit impairment accompanying the return to profitability.
