MAM
Cosmos-Maya’s anchor YouTube channel WowKidz crosses record 10 million subscribers; WowKidz network crosses 26 million
MUMBAI: WowKidz is the world’s largest Hindi animation content network.
Cosmos-Maya, the frontrunner in shaping industry trends has added another feather in its cap. WowKidz, it’s YouTube network for kids now has more than 10 million subscribers on its anchor channel and is now a recipient of the coveted Diamond Button.
A jubilant Anish Mehta, CEO Cosmos-Maya said, “This is a great development. There are only a handful channels worldwide which have received the coveted Diamond Button and even fewer Indian channels. We are very grateful to our viewers for their love and appreciation. Our mission with WowKidz is to make it a two-pronged content window – showcasing the best Indian animation to the world and bringing the best of world content to Indian kids. This is a leap in that direction.”
It all started with this one channel and the brand diversified into several sub-channels catering to numerous geographies world over. The channel has seen a 6-fold increase in the number of subscribers in just 18 months.
WowKidz had humble beginnings and Cosmos-Maya saw it as a source of additional revenue. It was given a push by CEO Anish Mehta who envisaged a brand which viewers could bank upon for 24X7 quality entertainment. In just 18 months, it is now a full-fledged business entity raking in a substantial share of Cosmos-Maya’s revenue pie. The platform now has 10,000 odd videos of quality entertainment for the 3-14 year demographic produced in-house and acquired from top producers worldwide. Boonie Bears, Smurfs, Simba, Om Nom are only some of the big-ticket international shows that run on WowKidz. WowKidz also has the world’s largest Hindi language animation content catalogue today.
A jubilant Anish Mehta, CEO Cosmos-Maya said, “This is a great development. There are only a handful channels worldwide which have received the coveted Diamond Button and even fewer Indian channels. We are very grateful to our viewers for their love and appreciation. Our mission with WowKidz is to make it a two-pronged content window – showcasing the best Indian animation to the world and bringing the best of world content to Indian kids. This is a leap in that direction.”
This development comes on the back of Cosmos-Maya’s recent impetus on regional and vernacular content. Cosmos-Maya’s bouquet of 32 YouTube channels under umbrella brand WowKidz, which has more than 26 million subscribers and 12.5 billion views, now has its content available in all major languages, namely Tamil, Telugu, Kannada, Malayalam, Bengali, Gujarati, Punjabi, Urdu, Marathi, Bhojpuri and Nepalese.
Devdatta Potnis, SVP Revenue and Finance, further added, “Programming has played a major role in WowKidz’s success. We have videos which have clocked 100 million hits. Motu Patlu and ViR, two of our biggest IPs have garnered more than 6 billion and 4 billion views respectively. This when Motu Patlu is geo-blocked in India. We have a wonderful mix of homegrown and acquired content which viewers can watch anywhere anytime. Fresh content is added to the mix on a daily basis. Our creative prowess adds further zing to the localization of acquired international content.”
Starting a business is one of the most financially demanding transitions a person can make. In the early months, expenses are immediate and often unpredictable, while revenue streams may take time to stabilise. For first-time entrepreneurs, securing small business loans can feel like a paradox: lenders expect a clean financial track-record before approving a loan, but the business cannot establish that track record without funding. Understanding the start-up lending environment in India and knowing the realistic funding options make this process far less daunting, allowing entrepreneurs to plan strategically.
Why Traditional Business Loans Are Harder for Start-ups
Most financial institutions require a minimum business vintage of 2 to 3 years before approving a term loan. This is because the first two years of operations carry the highest risk of failure. For start-ups less than 12 months old, traditional loan options are limited, and lenders often ask for substantial collateral to mitigate risk.
The vintage requirement is not arbitrary. Businesses that have survived their first two operating cycles demonstrate market viability, which significantly lowers the lender’s risk. Until this milestone is reached, entrepreneurs often rely on bootstrapping, personal savings, or alternative financing to build a stable business foundation. Understanding this reality helps first-time entrepreneurs set practical expectations when seeking funding.
Government-Linked Schemes for Startups
India offers several government-backed schemes to support first-time entrepreneurs. One such scheme is the Pradhan Mantri Mudra Yojana (PMMY), which provides collateral-free loans for micro and small enterprises in three categories:
● Shishu: up to Rs. 50,000
● Kishore: Rs. 50,000 to Rs. 5 lakh
● Tarun: Rs. 5 lakh to Rs. 10 lakh
These loans are available through eligible lending institutions, making them suitable for early-stage businesses. For first-time entrepreneurs, a Mudra loan not only provides initial working capital but also helps establish a credit history. Repaying a Mudra loan on time strengthens the entrepreneur’s profile and increases the chances of securing larger loans in the future.
Using Personal Loans to Fund Early-Stage Needs
When business loan eligibility is not yet established, a personal loan can serve as bridge funding. These loans are assessed on the individual’s credit profile and income rather than the business’s financial history, making them accessible to salaried individuals or those with a strong personal credit record.
Personal loans have limitations: the loan amount is capped based on personal income, and the interest rate is typically higher than secured business loans. Nevertheless, taking out a personal loan during the first 12 to 18 months can provide crucial support as the start-up builds its financial profile. It is especially useful for covering immediate expenses such as inventory, marketing, or office setup costs.
Alternative Financing Options for Startups
For start-ups that are not yet eligible for traditional business loans, other financing options are available through financial institutions. Many lenders offer startup-focused or small-business loans designed for early-stage businesses. These loans evaluate the entrepreneur’s personal credit profile, business plan, and projected revenue rather than relying solely on business vintage. Financial institutions such as Tata Capital provide these loans with minimal documentation and fast disbursal, enabling entrepreneurs to manage operational expenses, purchase equipment, or fund early growth initiatives without pledging collateral.
Some lenders also offer flexible loan amounts, quicker approvals, and streamlined processes, making them well-suited for first-time entrepreneurs. Exploring these options early allows start-ups to access working capital while gradually building a credit history that will support larger loans in the future.
Building the Right Financial Profile Before Applying
For entrepreneurs planning to apply for a business loan in 12 to 18 months, the preparation period is critical. Key steps include:
● Filing Income Tax Returns (ITRs) consistently and accurately from the first year
● Maintaining a clean current account with regular deposits and no overdraft patterns
● Keeping the promoter’s CIBIL score above 750
Lenders assess start-ups by examining these signals. Entrepreneurs who maintain financial discipline from the start will have stronger loan applications after two years. Additionally, tracking cash flow and avoiding irregular withdrawals can further enhance the business’s credibility.
Collateral-Based Options for Larger Requirements
Startups requiring larger amounts beyond government schemes can consider loans against property. These loans allow entrepreneurs to access larger amounts of funding at lower interest rates, as the property secures the lender’s risk.
This option carries significant risk: using personal or family assets as collateral can result in a loss if the business does not perform as expected. Such loans should be considered only when the business plan is validated, the entrepreneur has clear cash flow projections, and the repayment strategy is realistic. Careful assessment of risk versus reward is essential before pledging assets.
Practical Steps to Strengthen Your Loan Application
To maximise the chances of approval, entrepreneurs should:
● Maintain accurate financial statements, bank records, and GST returns.
● Avoid over-borrowing; apply for realistic amounts that match business needs.
● Keep personal and business credit profiles in good standing.
● Explore lenders that offer startup-friendly products.
● Be transparent and complete in all documentation.
Taking these steps early ensures a smoother and faster loan process when the business is ready for formal financing. A well-prepared application reduces processing delays and demonstrates professionalism to the lender.
Conclusion
First-time entrepreneurs often face a funding gap in the early stages, but it is usually smaller than it appears. Maintaining clean banking records, filing ITRs consistently, and exploring personal loans, government schemes, and alternative financing options help build a strong financial profile. Entrepreneurs who plan systematically from day one are better positioned to access formal credit sooner, giving their start-ups financial stability through small business loans.
The ideal time to start building a credit-worthy business profile is the very first month of operations, not when applying for a loan. By understanding available funding options and acting proactively, first-time entrepreneurs can confidently apply for a business loan and set their businesses on a path to long-term growth.
