Finbud Financial Services IPO
IPO Listing Details
- Listing Date
13 Nov 2025
- Listing Price
₹ 157.00
- Listing Change
10.56%
- Last Traded Price
₹ 122.90
Finbud Financial Services IPO Details
-
Open Date
06 Nov 2025
-
Close Date
10 Nov 2025
-
Listing Date
13 Nov 2025
- IPO Price Range
₹ 140 to ₹142
- IPO Size
₹ 71.6 Cr
- Listing Exchange
NSE SME
Finbud Financial Services IPO Timeline
Finbud Financial Services IPO Subscription Status
| Date | QIB | NII | Retail | TOTAL |
|---|---|---|---|---|
| 06-Nov-2025 | 0.04 | 1.41 | 0.34 | 0.48 |
| 07-Nov-2025 | 2.37 | 1.28 | 0.53 | 1.21 |
| 10-Nov-2025 | 4.33 | 8.38 | 2.80 | 4.43 |
Last Updated: 10 November 2025 6:05 PM by 5paisa
Finbud Financial Services Ltd, incorporated in 2012, operates as a retail loan aggregation platform across India. It assists individuals and businesses in obtaining personal, home, business, and working capital loans by connecting borrowers with banks and non-banking financial companies through a hybrid model of digital and agent channels. The company earns revenue primarily through commissions from successful loan disbursements. With a focus on technological integration and a diverse customer base, Finbud is positioned to leverage the growing digital lending market in India, demonstrating consistent revenue and profit growth over recent years.
Established in: 2012
Managing Director: Parag Agarwal
Finbud Financial Services Objectives
1. Working Capital Requirement
2. Investment In Wholly Owned Subsidiary i.e. LTCV Credit Private Limited
3. Funding for Business Development and Marketing Activities
4. Prepayment or repayment of a portion of certain outstanding borrowings
5. General Corporate Purposes
Finbud Financial Services IPO Size
| Types | Size |
|---|---|
| Total IPO Size | ₹71.6 Cr |
| Offer For Sale | - |
| Fresh Issue | ₹71.6 Cr |
Finbud Financial Services IPO Lot Size
| Application | Lots | Shares | Amount |
|---|---|---|---|
| Retail (Min) | 2 | 2000 | 2,80,000 |
| Retail (Max) | 2 | 2000 | 2,84,000 |
| S-HNI (Min) | 3 | 3000 | 4,20,000 |
| S-HNI (MAX) | 7 | 7000 | 9,94,000 |
| B-HNI (Min) | 8 | 8000 | 1,13,60,000 |
Finbud Financial Services IPO Reservation
| Investors Category | Subscription (times) | Shares Offered* | Shares bid for | Total Amount (Cr.)* |
|---|---|---|---|---|
| QIB (Ex Anchor) | 4.33 | 9,58,000 | 41,46,000 | 58.873 |
| Non-Institutional Buyers*** | 8.38 | 7,20,000 | 60,31,000 | 85.640 |
| bNII (bids above ₹10L) | 10.63 | 4,80,000 | 51,02,000 | 72.448 |
| sNII (bids below ₹10L) | 3.87 | 2,40,000 | 9,29,000 | 13.192 |
| Individual Investors (IND category bidding for 2 Lots) | 2.80 | 16,80,000 | 47,00,000 | 66.740 |
| Total** | 4.43 | 33,58,000 | 1,48,77,000 | 211.253 |
*The "Shares Offered" and "Total Amount" are calculated using the upper limit of the issue price range.
**Shares allocated to anchor investors (or market makers) are excluded from the total number of shares offered.
***Non-Institutional Buyers include both bNII and sNII categories.
| Particulars (In ₹Crores.) | FY23 | FY24 | FY25 |
|---|---|---|---|
| Revenue | 135.56 | 190.28 | 223.50 |
| EBITDA | 2.43 | 8.02 | 11.95 |
| PAT | 1.83 | 5.66 | 8.50 |
| Particulars (In ₹Crores.) | FY23 | FY24 | FY25 |
|---|---|---|---|
| Total Assets | 5.18 | 5.60 | 8.98 |
| Share Capital | 0.015 | 0.015 | 14.00 |
| Total Liabilities | 26.36 | 43.96 | 67.87 |
| Particulars (In ₹Crores.) | FY23 | FY24 | FY25 |
|---|---|---|---|
| Net Cash Generated From / (used in) operating activities | 1.92 | -1.86 | -10.79 |
| Net Cash Generated From / (used in) Investing Activities | -1.46 | -1.66 | -4.46 |
| Net Cash Generated From / (used in) financing activities | 0.83 | 3.87 | 20.37 |
| Net Increase (Decrease) In Cash And Cash Equivalents | 1.29 | 0.35 | 5.11 |
Strengths
1. Diversified loan portfolio across personal, business, and home loans.
2. Strong lender and partner network nationwide.
3. Steady revenue and profit growth over recent years.
4. Experienced promoters with fintech and financial sector expertise.
Weaknesses
1. Low profit margins from commission-based model.
2. High reliance on partner lenders and agents.
3. Limited public market track record.
4. Negative cash flows in earlier years.
Opportunities
1. Expanding digital lending and fintech market in India.
2. Scope to enter new geographies and customer segments.
3. Potential to add new financial products.
4. IPO funds to strengthen working capital and repay debt.
Threats
1. Regulatory changes in fintech and lending norms.
2. Rising competition from NBFCs and digital platforms.
3. Economic slowdown affecting loan demand.
4. Technology or cybersecurity failures disrupting operations.
1. Diversified loan portfolio and lender network.
2. Steady revenue and profit growth.
3. Strong position in digital lending market.
4. IPO funds to boost capital and growth.
Finbud Financial Services Ltd operates in the retail loan distribution and fintech space, offering personal, business, and home loans through digital and offline channels. With consistent revenue growth, strong lender partnerships, and planned expansion funded by IPO proceeds, the company is well-positioned to benefit from India’s rising credit demand and the rapid growth of digital financial services.
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FAQs
Finbud Financial Services IPO opens from November 06, 2025 to November 10, 2025.
The size of Finbud Financial Services IPO is ₹71.6 Cr.
The price band of Finbud Financial Services IPO is fixed at₹140 to ₹142 per share.
To apply for Finbud Financial Services IPO, follow the steps given below:
1. Login to your 5paisa demat account and select the issue in the current IPO section
2. Enter the number of lots and the price at which you wish to apply for the Finbud Financial Services IPO.
3. Enter your UPI ID and click on submit. With this, your bid will be placed with the exchange.
You will receive a mandate notification to block funds in your UPI app.
The minimum lot size of Finbud Financial Services IPO is of 2000 shares and the investment required is ₹2,84,000.
The share allotment date of Finbud Financial Services IPO is November 11, 2025
The Finbud Financial Services IPO will likely be listed on 13 November 2025.
The book running lead manager for Finbud Financial Services IPO is SKI Capital Services Limited.
Finbud Financial Services IPO plans to utilise the raised capital from the IPO for:
1. Working Capital Requirement
2. Investment In Wholly Owned Subsidiary i.e. LTCV Credit Private Limited
3. Funding for Business Development and Marketing Activities
4. Prepayment or repayment of a portion of certain outstanding borrowings
5. General Corporate Purposes