Where is TERA located?

TERA is headquartered in Bengaluru, India.

Is TERA a funded company?

TERA is a funded company, having raised a total of $***** in its 1st and only funding round.

Where does TERA rank among its competitors?

TERA ranks 70th amongst 86 active competitors, of which 26 are funded. It stands 11th in terms of total funding among its competitors. The most recent competitor to raise funding was Knight FinTech, which secured $23.6M in Jan, 2026.

Who are the top competitors of TERA?

TERA's top competitors include FinBox, TransBnk and Kaleidofin. Among them, Knight FinTech secured the most recent funding round in January, 2026.

TERA - 2026 Company Profile, Team & Competitors

Company Details

SaaS-enabled lending-as-a-service platform for lending institutions. It provides TERA Engine for digital credit scoring, risk management, automated underwriting, alternative data risk models, portfolio monitoring, identity fraud checks; TERA Plug for AI-enabled credit decisions; TERA Mobile for offering mobile-based lending app; and more. It provides solutions for loan origination & management, banking integration, and more.

Website: terafinlabs.com
Social
Email ID: *****@terafinlabs.com

Key Metrics

Founded Year

2017

Location

Bengaluru, India

Stage

Acqui-Hired

Ranked

70^th among 86 active competitors

Similar Companies

FinBox & 505 more

View TERA's full profile

TERA has not raised any funding rounds yet.

The founders of TERA is Pradeep Rathnam.

Here are the details of TERA's key team members:

Pradeep Rathnam: Co-Founder & CEO of TERA.

View details of TERA's Founder profiles and Board Members

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Top competitors of TERA include FinBox, TransBnk and Kaleidofin. Here is the list of Top 10 competitors of TERA, ranked by Tracxn score:

Rank	Company Details	Short Description	Total Funding	Investors	Tracxn Score
1st	FinBox 2015, Bengaluru (India), Series B	Provider of infrastructure, risk intelligence, and orchestration solutions for digital lending	$51.1M	IIFL Finance, A91 Partners & 25 others	69/100
2nd	TransBnk 2022, Delhi (India), Series B	Provider of open finance infrastructure for transaction banking and related services	$30M	8i Ventures, Accion & 30 others	66/100
3rd	Kaleidofin 2017, Chennai (India), Series B	Financial services platform offering lending, credit assessment, and engagement	$44.7M	Michael & Susan Dell Foundation, Blume Venture ... & 31 others	66/100
4th	Linedata 1998, Neuilly sur seine (France), Public	Provider of software, data, analytics, and related services for financial institutions	-	Ardian, XAnge & 4 others	63/100
5th	Knight FinTech 2019, Mumbai (India), Series A	A digital banking technology company that provides full-stack banking solutions for lending, treasury management, and supply chain finance	$32.8M	3one4 Capital, Trifecta Capital & 13 others	62/100
6th	Lentra 2019, Pune (India), Series B	Provider of cloud-based digital lending software and solutions for financial institutions	$104M	Bessemer Venture Partners, SIG Venture Capital ... & 35 others	60/100
7th	TSLC 2016, Singapore (Singapore), Series B	Developer of an AI-powered technology transforming financial systems for underserved markets	$225M	Rothschild & Co, JPIN & 6 others	58/100
8th	OPLinnovate 2015, Ahmedabad (India), Series B	White label solutions for financial institutions	$14.2M	Mobile Search Engine, Capitaworld Global ... & 28 others	57/100
9th	Hyperface 2021, Bengaluru (India), Seed	Provider of platform for launching and managing credit card programs	$10.7M	3one4 Capital, Flipkart & 48 others	57/100
10th	Cloud Lending 2013, Foster City (United States), Acquired	Provider of digital banking solutions for financial institutions and their clients	$16.1M	Cota Capital, Lighter Capital & 4 others	56/100
70th	TERA 2017, Bengaluru (India), Acqui-Hired	SaaS-enabled lending-as-a-service platform for lending institutions	-	-	20/100