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Finbud Financial Services Listing Price
| Exchange | Listing Price | Gain/Loss | % |
|---|---|---|---|
| NSE | ₹157.00 | +₹15.00 | +10.56% |
Finbud Financial Services Subscription
Last updated on 10-Nov-2025 18:37:01
| Category | Offered | Applied | Times |
|---|---|---|---|
| QIB | 958000 | 4146000 | 4.33 |
| HNIs | 720000 | 6034000 | 8.38 |
| bHNI | 480000 | 5102000 | 10.63 |
| sHNI | 240000 | 932000 | 3.88 |
| Individual | 1680000 | 4860000 | 2.89 |
| Total | 3358000 | 15040000 | 4.48 |
Application-Wise Breakup  | |||
|---|---|---|---|
| Category | Reserved | Applied | Times |
| HNIs (10L+) | 160 | 571 | 3.57 |
| HNIs (3-10L) | 80 | 290 | 3.63 |
| Individual | 840 | 2430 | 2.89 |
| Subscription Demand (in ₹ crore) | |||
|---|---|---|---|
| Category | Offered | Demand | Times |
| QIB | 13.6 | 58.87 | 4.33 |
| FII | - | 7.67 | - |
| FI | - | 0 | - |
| IC | - | 1.51 | - |
| MF | - | 0 | - |
| OTH | - | 49.7 | - |
| HNIs | 10.22 | 85.68 | 8.38 |
| bHNI | 6.82 | 72.45 | 10.63 |
| sHNI | 3.41 | 13.23 | 3.88 |
| Individual | 23.86 | 69.01 | 2.89 |
| Total | 47.68 | 213.57 | 4.48 |
| QIB Interest Cost Per Share (7 Days) | |||||
|---|---|---|---|---|---|
| @7% ₹0.8 | @8% ₹0.9 | @9% ₹1.1 | @10% ₹1.2 | @11% ₹1.3 | @12% ₹1.4 |
Finbud Financial Services Lot(s) Distribution
| Category | Lot(s) | Qty | Amount | Reserved |
|---|---|---|---|---|
| bHNI | 8 | 8000 | 1136000 | 160 |
Finbud Financial Services Reservation
| Category | Shares Offered | % |
|---|---|---|
| Anchor | 1437000 | 28.47% |
| QIB | 958000 | 18.98% |
| HNI | 720000 | 14.26% |
| INDIVIDUAL | 1680000 | 33.28% |
| Market Maker | 253000 | 5.01% |
| Total | 5048000 | 100% |
Finbud Financial Services About
Finbud Financial IPO Details
| Total Issue Size | 50,48,000 shares (aggregating up to ₹71.68 Cr) |
| Fresh Issue Size | 50,48,000 shares (aggregating up to ₹71.68 Cr) |
| Issue Type | Bookbuilding IPO |
| Listing At | NSE SME |
| Face Value | ₹10/- Per Share |
| Share Holding Pre Issue | 1,40,01,480 shares |
| Share Holding Post Issue | 1,90,49,480 shares |
| Reserved For Market Maker | 2,53,000 shares (aggregating up to ₹3.59 cr) |
| Market Maker | SKI Capital Services Ltd |
Key Performance Indicator
| KPI | Jul-25 | Mar-25 | Mar-24 |
|---|---|---|---|
| ROE | 8.47% | 23.61% | 47.99% |
| ROCE | 12.19% | 32.11% | 49.85% |
| EPS (basic) | 2.38 | 6.07 | 4.04 |
| P/E Pre IPO | 23.4 | ||
| P/E Post IPO | 27.08 |
Financial details (In ₹Crores)
| Period Ended | Jul-25 | Mar-25 | Mar-24 | Mar-23 |
|---|---|---|---|---|
| Assets | 76.12 | 68.93 | 44.97 | 27.47 |
| Total Income | 85.82 | 223.5 | 190.28 | 135.57 |
| Profit After Tax | 3.33 | 8.5 | 5.66 | 1.83 |
| EBITDA | 5.87 | 14.66 | 10.59 | 4.23 |
| NET Worth | 39.31 | 35.98 | 11.79 | 6.13 |
| Reserves and Surplus | 25.31 | 21.98 | 11.77 | 6.12 |
| Total Borrowing | 20.48 | 18.51 | 12.43 | 7.4 |
Peer Comparision (Valuation)
| Company | P/E (x) | CMP*(₹) | Face value (₹) |
|---|---|---|---|
| Finbud Financial Services Limited | 23.4 | - | 10.00 |
| My Mudra Fincorp Limited | 7.79 | 77.6 | 10.00 |
| BLS E-Services Limited | 32.99 | 191 | 10.00 |
| PB Fintech Limited | 236.08 | 1806 | 2.00 |
| Company | NAV/Share (₹) | RoNW (%) | EPS (Basic) (₹) |
|---|---|---|---|
| Finbud Financial Services Limited | 25.7 | 23.61 | 6.07 |
| My Mudra Fincorp Limited | 46.85 | 16.87 | 9.96 |
| BLS E-Services Limited | 53.1 | 12.18 | 5.79 |
| PB Fintech Limited | 140.06 | 5.49 | 7.65 |
Company Overview
Business Nature: Loan aggregation platform assisting individuals in obtaining personal, business, and home loans from banks and NBFCs.
Core Services: Loan offer comparison, product recommendation, and assistance with documentation.
Revenue Model: Earns commission from lenders upon successful loan disbursement.
Employee Strength: Around 276 employees as of July 31, 2025.
Product Portfolio:
Personal Loans: Unsecured loans for salaried individuals, averaging ₹10 lakh, forming the largest revenue segment.
Business Loans: Unsecured loans for SMEs, averaging ₹20 lakh, a key contributor to overall revenue.
Home Loans: Secured loans for home purchases or property mortgages for individuals and SMEs.
IPO Objectives (Highlights):
₹20.90 crore – To meet working capital requirements.
₹15.00 crore – For investment in wholly owned subsidiary LTCV Credit Private Limited.
₹17.75 crore – To fund business development and marketing initiatives aimed at expanding reach and brand visibility.
₹4.03 crore – For prepayment or repayment of certain outstanding borrowings.
Balance funds – For general corporate purposes.
Strength
Extensive Agent Network: Finbud has built a strong pan-India network of agents who drive the majority of its loan origination. This physical presence complements its digital model and helps the company reach semi-urban and rural borrowers effectively.
Technology-Driven Platform: The company operates a robust digital lending platform equipped with analytics-based profiling, automated loan matching, and real-time approval systems, ensuring speed, accuracy, and customer satisfaction.
Diverse Lending Partnerships: Strong tie-ups with multiple banks and NBFCs provide customers with a wide range of loan options, improving approval rates and reducing dependency on any single financial institution.
Weakness
High Dependence on Agent Channel: A significant portion of revenue is generated through agents. Any regulatory change, attrition, or disruption in the agent channel could materially affect loan disbursals and financial performance.
Cybersecurity and Data Risks: The company currently lacks dedicated cyber insurance coverage. In the event of a cyberattack or data breach, Finbud could face severe financial losses, legal liabilities, and reputational damage.
Dependence on Lending Partners: The company’s success heavily relies on maintaining strong relationships with banks and NBFCs. Any breakdown, non-renewal, or non-compliance with contractual obligations could impact product distribution, cash flow, and growth prospects.
Finbud Financial Services Latest Announcements
| Date | Subject | Attachment Text |
|---|
Finbud Financial Services Financial Results
Finbud Financial Services Lead Manager(s)
Finbud Financial Services Address
No.10, 1st Floor, 6th Main,
9th Cross
Jeevan Bhima Nagar
Bangalore Urban, Karnataka, 560075
Phone: +91 98862 32323
Email: cs@financebuddha.com
Website: https://www.financebuddha.com/
Finbud Financial Services Registrar
Finbud Financial Services Reviewers
| Reviewer | Recommendation | File |
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