Finbud Financial IPO Details
The key details of Finbud Financial Services’s IPO are outlined below, covering all crucial aspects from price range to investment requirements and regulatory documents.
| IPO Size | ₹71.68 Cr |
| Price Range | ₹140 - ₹142 |
| Retail Quota | 35% |
| QIB Quota | 50% |
| NII Quota | 15% |
| Employee Discount | -- |
| Listing at | NSE |
| Minimum Quantity | 2,000 |
| Investment (cut-off price) | ₹2,84,000 |
| Pre IPO Promotor Holding | 64.92% |
| Post IPO Promotor Holding | Update soon |
| DHRP Draft | Click Here |
| RHP Draft | Click Here |
| Anchor Investors List | Click Here |
Finbud Financial IPO Timelines
The IPO process for Finbud Financial Services includes key dates for participants to know. The timeline allows for strategic planning and participation, helping investors stay informed and engaged throughout the entire process.
06/11/2025
Start Date10/11/2025
End Date12/11/2025
Refund Initiation12/11/2025
Credit of Shares to Demat Ac13/11/2025
Listing DateFinbud Financial IPO Lot Size
The Finbud Financial Services IPO has a fixed lot size of 1,000 shares, at an upper price band of ₹142 per share. For retail investors, the minimum and maximum application is 2,000 shares (2 lots) amounting to ₹2,84,000. For Small HNI (S-HNI) investors, the minimum application is 3,000 shares (3 lots) worth ₹4,26,000, while the maximum is 7,000 shares (7 lots) amounting to ₹9,94,000. Big HNI (B-HNI) investors need to apply for at least 8,000 shares (8 lots), totaling ₹11,36,000.
| Application | Lot Size | Shares | Amount |
|---|---|---|---|
| Retail Minimum | 2 | 2000 | ₹2,84,000 |
| Retail Maximum | 2 | 2000 | ₹2,84,000 |
| S-HNI Minimum | 3 | 3000 | ₹4,26,000 |
| S-HNI Maximum | 7 | 7000 | ₹9,94,000 |
| B-HNI Minimum | 8 | 8000 | ₹11,36,000 |
Finbud Financial IPO Subscription Status
The subscription status for Finbud Financial Services IPO shows market demand across different investor categories, providing valuable insights into the offering’s performance. You can track real-time subscription data below.
| QIB | NII | Retail | EMP | Total |
|---|---|---|---|---|
IPO Performance on Listing Day
| Opening Price | Closing Price | Day High | Day Low |
|---|---|---|---|
| ₹ | ₹ | ₹ | ₹ |
Finbud Financial IPO Company Financials
Finbud Financial Services reports robust performance in FY2025 with Total Income of ₹223.50 crores, managing expenses at ₹211.55 crores, and achieving a strong PAT (Profit After Tax) of ₹8.50 crores, demonstrating significant growth potential ahead of its public offering.
| Year | Total Income | Total Expense | PAT |
|---|---|---|---|
| FY 2023 | ₹135.57 | ₹133.13 | ₹1.83 |
| FY 2024 | ₹190.28 | ₹182.25 | ₹5.66 |
| FY 2025 | ₹223.50 | ₹211.55 | ₹8.50 |
| FY 2026 (4 M) | ₹85.82 | ₹81.10 | ₹3.33 |
About Company
Incorporated in July 2012, Finbud Financial Services Limited is an Indian loan aggregation platform that assists individuals and small businesses in securing personal, business, and home loans from banks and non-banking financial companies (NBFCs). The company provides key services such as comparing loan offers from multiple lenders, recommending suitable loan products, and supporting customers through the loan documentation process. Finbud’s revenue model is primarily commission-based, earning fees from lenders upon successful loan disbursement.
Finbud’s product portfolio includes personal loans, which are unsecured loans for salaried individuals averaging INR 10 lakhs and representing the largest revenue segment through agent-led sales. Business loans, typically unsecured loans averaging INR 20 lakhs for SMEs, are another major revenue contributor. The company also offers home loans, secured loans designed for home purchases or property mortgages for individuals and SMEs. As of July 31, 2025, Finbud employs approximately 276 people.
| Incorporation Date | Sector | Managing Director |
|---|---|---|
| 2012 | Finance | Parag Agarwal |
Know Before Investing
Finbud Financial IPO Strengths
- Finbud Financial combines physical agent-led services with digital platforms to reach a wide customer base across India.
- Offers personal, business, and home loans tailored for various consumer segments and credit needs.
- Operates in over 30 states and union territories covering more than 19,000 pincodes, ensuring extensive market reach.
- Annualized revenue has grown steadily, reaching ₹223 crore in FY25, showcasing scalability of the business.
- Latest financials show improved net worth and manageable debt levels with a debt-to-equity ratio below 1.
- Investments in digital platforms and data analytics help optimize credit decisioning and customer service.
Finbud Financial IPO Risks
- Any delay or default in customer repayments could impact cash flow and profitability.
- Large capital investments in loan portfolios and receivables tie up liquidity, requiring efficient management.
- Changes in RBI guidelines, lending norms, or KYC/AML regulations can increase operational complexity and costs.
- While widespread, certain key states contribute a large portion of revenues, increasing vulnerability to regional economic slowdowns.
- Heavy depends on digital platforms and agent networks poses risks from outages or cyber attacks.
- Compared to large established lenders, Finbud’s brand is still emerging, posing challenges for rapid customer acquisition.
Swot Analysis for Finbud Financial IPO
Strengths
Extensive Agent Network, Data Analytics for Credit Decisions, Hybrid Business Model
Weaknesses
Agent Channel Dependency, Concentration Risk with Lending Partners, Limited Digital Penetration
Opportunities
Expanding Fintech Market, Strategic Geographic Expansion, Improved Partner Ecosystem
Threats
Intense Industry Competition, Regulatory Uncertainty, Cybersecurity and Data Risks
Company Details
Finbud Financial Services Ltd.
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/
IPO Registar Details
Skyline Financial Services Pvt. Ltd.
Phone: 02228511022
Email: ipo@skylinerta.com
Website: https://www.skylinerta.com/ipo.php
FAQs
The key objectives of Finbud Financial SME IPO are:
- Working Capital Requirement
- Investment In Wholly Owned Subsidiary i.e. LTCV Credit Private Limited
- Funding for Business Development and Marketing Activities
- Prepayment or repayment of a portion of certain outstanding borrowings availed by Company
- General Corporate Purposes
SKI Capital Services Ltd. is the book-running lead managers for the Finbud Financial IPO.
Finbud Financial IPO holds strong growth potential driven by India’s rising retail credit demand, expanding financial inclusion, and the company’s hybrid digital and agent-led model that ensures deeper market reach. With operations across 30 states and 19,000 pincodes, it is well-positioned to scale efficiently in India’s growing fintech lending sector.
The issue price for the Finbud Financial IPO is set between ₹140 to ₹142 per share.
To invest in two lot of Finbud Financial IPO, you need ₹2,80,000 at the lower price band (₹140 per share) or ₹2,84,000 at the upper price band (₹142 per share) for a lot size of 2000 shares.
Finbud Financial IPO shares are scheduled to be listed on the National Stock Exchange (NSE) on November 13, 2025.
Refund/unblocking of funds for Finbud Financial IPO will begin on November 12, 2025. ASBA/UPI blocks will be removed within 1 working day.
You can sell shares your Finbud Financial IPO shares on listing day (November 13, 2025) after they are credited to your demat account. If you want to sell in the pre-open market, the timing for that session is from 9:00 AM to 9:15 AM. Otherwise, you can sell after 10:00 AM during regular trading hours.