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Finbud Financial Services Limited, operating as Finance Buddha, is a prominent retail loan aggregation platform in India, established in 2012. The company facilitates personal, business, and home loans by connecting borrowers with a wide network of banks and NBFCs. Finance Buddha utilizes a distinctive hybrid business model, acquiring customers through both a widespread network of external agents and a growing digital marketing channel. This dual approach allows it to cater to diverse customer segments, from those preferring traditional assistance to digitally-savvy users, providing a seamless end-to-end service from loan discovery to disbursement without taking on credit risk.
Opening Date
Nov 06, 2025
Closing Date
Nov 10, 2025
Listing Date
Nov 13, 2025
IPO Type
SME
IPO Status
Upcoming
Issue Size
—
Fresh Issue
0.5 Cr
Offer for Sale
—
Price Band
—
Lot Size
—
Our Company proposes to utilize the funds which are being raised towards funding the following objects and achieve the benefits of listing on the NSE EMERGE Platform.
To meet working capital requirements amounting to ₹2,090.00 Lakhs for the financial year ending March 31, 2026, to support increased business volumes from both agent and digital channels, with a strategic focus on expanding secured lending products.
To invest ₹1,500.00 Lakhs into the wholly-owned subsidiary, LTCV Credit Private Limited, a Non-Banking Financial Company (NBFC), to augment its Net Owned Funds and ensure compliance with RBI's phased capital requirements, thereby enhancing its lending capacity.
To fund business development and marketing activities with an allocation of ₹1,775.00 Lakhs, aiming to increase the Digital Channel's revenue contribution, enhance brand visibility, and drive deeper market penetration.
For the prepayment or repayment of a portion of certain outstanding borrowings availed by the company, amounting to ₹403.00 Lakhs.
To utilize the remaining proceeds for general corporate purposes, which may include funding growth opportunities, strategic initiatives, and other operational needs not covered by specific objects.
P/E Ratio
—
EPS
—
ROE
23.61%
ROCE
32.11%
RONW
23.61%
Debt to Equity Ratio
0.51
PAT Margin
3.81%
EBITDA Margin
6.57%
P/B
—
Extensive agent network across India providing broad customer reach and curated leads.
Strong digital lending platform with robust proprietary technological infrastructure for loan matchmaking.
Comprehensive range of loan products including personal, business, and home loans.
Established partnerships with a wide network of leading banks and NBFCs.
High dependency on agent networks for customer acquisition, which accounts for over 85% of revenue.
Intense competition from both traditional financial institutions and new-age digital lending players.
Operational complexity in managing and synchronizing a hybrid business model combining offline and online channels.
Vulnerability to regulatory changes in the financial services sector affecting lending practices and compliance costs.
Expansion into new product lines such as credit cards and used car loans to diversify revenue streams.
Capitalizing on the growth in the digital lending market driven by increasing internet and smartphone penetration.
Increasing demand for personalised financial services and tailored loan products.
Potential for strategic alliances and partnerships to enhance market presence and service offerings.
Adverse regulatory changes impacting the financial services industry, including data privacy and lending norms.
Economic downturns affecting loan repayment rates and reducing the overall demand for credit.
Cybersecurity risks and data privacy concerns that could lead to financial loss and reputational damage.
High competition leading to significant pressure on commission margins and customer retention.
