Finbud Financial IPO is scheduled from November 6 to November 10, 2025, with a tentative listing date on November 13, 2025. The price band is set between ₹140 to ₹142 per share. Finbud Financial is a Bengaluru-based fintech company specializing in digital and agent-assisted retail loan aggregation, providing access to personal, business, and home loans across more than 30 states in India. Finbud Financial IPO offers investors a promising opportunity in the fintech space driven by increasing credit demand and digitalization trends.
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Expert Opinions
Market sentiment for Finbud Financial IPO is cautiously optimistic, driven by strong backing from marquee investors and a promising business model focused on retail loan aggregation through a hybrid digital-agent approach. The company’s strengths include a vast pan-India presence covering over 19,000 pincodes, a technology-driven platform, and steady financial discipline. Risks involve regulatory uncertainties in fintech lending, competition from established NBFCs and fintech firms, and potential market volatility.
Valuation analysis for Financial Year 2025 reflects a healthy Return on Equity (ROE) of 23.61%, Return on Capital Employed (ROCE) of 32.11%, and a Net Asset Value (NAV) of ₹25.70, underscoring solid fundamentals. Long term, Finbud Financial IPO offers a growth opportunity amid India’s expanding retail credit market, providing exposure to a scalable fintech player with robust investor confidence.
Investor Considerations
Finbud Financial IPO presents a notable investment opportunity backed by steady company performance and sound fundamentals. The fintech company recorded annual revenues of approximately ₹223 crore and a PAT margin of 3.81% in FY 2025, achieved through a hybrid digital-agent lending model. The sector outlook remains positive, driven by growth in retail credit and digital financial services in India.
Finbud Financial IPO valuation metrics include a Price to Book Value of 5.53 and a moderate Debt to Equity ratio of 0.51, reflecting financial prudence. Growth prospects are supported by the company’s extensive presence across 19,000 pincodes and strategic lender partnerships. Risks center on regulatory changes and competition from established NBFCs and fintech players. This IPO suits long-term investors looking to capitalize on India’s expanding fintech lending market, while short-term investors should monitor market volatility.
| Date | GMP | Trend |
|---|---|---|
| 30 Oct 2025 10.58 | ₹00 | --- |
| 29 Oct 2025 17.07 | ₹00 | --- |
FAQs
Finbud Financial IPO Current GMP is ₹00.
Finbud Financial IPO Expected Returns is 0.00%.
Finbud Financial IPO estimated listing price is ₹142.