Incorporated in July 2012, Finbud Financial Services Limited is a loan aggregation platform in India, assisting individuals in obtaining personal, business, and home loans from banks and non-banking financial companies.Services:Offer Comparison: Finbud helps customers compare loan offers from multiple lenders.Recommend products:;Finbud advises customers on the best loan product.Documentation: Finbud helps customers with the loan documentation process.Commission: Finbud earns a commission from the lenders when a loan is disbursed.Product Offerings:Personal Loans: Unsecured loans for salaried individuals, averaging INR 10 lakhs, forming the most significant revenue source from agents.Business Loans: Unsecured loans for SMEs, averaging INR 20 lakhs, significantly contributing to overall revenue.Home Loans: Secured loans for home purchases or property mortgages for individuals and SMEsAs of July 31, 2025, the company has total employed around 276 employees.Competitive StrengthExtensive agent network across India.Strong digital lending platform with robust technological infrastructure.Comprehensive range of loan products.Partnerships with lending institutions.Effective use of data analytics for customer profiling and loan approval.
| Category | Shares Offered* | Total Amt* (₹ Cr.) |
|---|---|---|
|
Anchor
|
253,000 | ₹3.590 |
|
QIB (Ex Anchor)
|
2,395,000 | ₹34.010 |
|
NII
|
720,000 | ₹10.220 |
|
Retail
|
1,680,000 | ₹23.860 |
| Total ** | 5,048,000 | ₹71.680 |
| Application | Lots | Shares | Amount |
|---|---|---|---|
| Retail (Min — 2 Lots) | 2 | 2,000 | ₹284,000 |
| Retail (Max — 13 Lots) | 13 | 13,000 | ₹1,846,000 |
| S-HNI (Min — 14 Lots) | 14 | 14,000 | ₹1,988,000 |
| S-HNI (Max — 66 Lots) | 66 | 66,000 | ₹9,372,000 |
| B-HNI (Min — 67 Lots) | 67 | 67,000 | ₹9,514,000 |
| Category | QIB | NII | Retail | Total | ||||
|---|---|---|---|---|---|---|---|---|
| Ex. Anchor | Anchor Investor | Total QIB | Below ₹10L | Above ₹10L | Total NII | |||
| Allocation (No. of shares) | — | — | — | — | — | 720,000 | 1,680,000 | 2,400,000 |
| Allotment price (Rs.) | 142 | 142 | 142 | 142 | 142 | 142 | 142 | 142 |
| No. of applications | — | — | — | — | — | — | — | — |
| No. of shares applied | — | — | — | — | — | — | — | — |
| Amount collected (Rs.cr.) | 34.01 | 3.59 | 37.60 | — | — | 10.22 | 23.86 | 71.68 |
| No. of times subscribed | — | — | — | — | — | — | — | — |
| No. of shares allotted | — | — | — | — | — | 720,000 | 1,680,000 | 2,400,000 |
| Amount (Rs.cr.) | 34.01 | 3.59 | 37.60 | — | — | 10.22 | 23.86 | 34.08 |
| No. of allottees | — | — | — | — | — | — | — | — |
| Category | Shares Offered | Amt (₹ Cr) | Size (%) |
|---|---|---|---|
| Anchor / Market Maker | 253,000 | ₹3.59 |
5.01%
|
| QIB (Ex Anchor) | 2,395,000 | ₹34.01 |
47.44%
|
| NII / HNI | 720,000 | ₹10.22 |
14.26%
|
| Retail (RII) | 1,680,000 | ₹23.86 |
33.28%
|
| Total | 5,048,000 | ₹71.68 |
100.00%
|
| Particulars | 31 Jul 2025 | 31 Mar 2025 | 31 Mar 2024 |
|---|---|---|---|
| Revenue from Operations | 85.82 | 223.50 | 190.28 |
| EBITDA | 5.87 | 14.66 | 10.59 |
| Profit After Tax (PAT) | 3.33 | 8.50 | 5.66 |
| Net Worth | 39.31 | 35.98 | 11.79 |
| Total Assets | 76.12 | 68.93 | 44.97 |
| Reserves & Surplus | 25.31 | 21.98 | 11.77 |
| Total Borrowings | 20.48 | 18.51 | 12.43 |
| EBITDA Margin (%) | 6.57% | — | — |
| PAT Margin (%) | 3.81% | — | — |
Finbud Financial Services Ltd. proposes to utilize the net proceeds raised through this IPO for the following objects as stated in the Draft Red Herring Prospectus (DRHP) filed with SEBI: