Finbud Financial IPO

₹1,40,000/1000 shares

Minimum Investment

IPO Details

Open Date

06 Nov 25

Close Date

10 Nov 25

Minimum Investment

₹1,40,000

Lot Size

1000

Price Range

₹140 to ₹142

Listing Exchange

NSE

Issue Size

₹71.68 Cr

Listing Date

13 Nov 25

Open Free Demat Account

Finbud Financial IPO Timeline

Bidding Start

06 Nov 25

Bidding Ends

10 Nov 25

Allotment Finalisation

11 Nov 25

Refund Initiation

12 Nov 25

Demat Transfer

12 Nov 25

Listing

13 Nov 25

Finbud Financial Services Limited

Founded in July 2012, Finbud Financial Services Limited is an Indian loan aggregation platform that assists individuals in securing personal, business, and home loans from banks and NBFCs. The company enables customers to compare loan offers, recommends suitable products, and provides support with documentation. Finbud earns a commission from lenders upon successful loan disbursal. Its key offerings include personal loans averaging ₹10 lakhs, business loans averaging ₹20 lakhs for SMEs, and home loans for purchasing or mortgaging properties.

Finbud Financial Services Limited IPO Overview

The Finbud Financial IPO is a book-built issue worth ₹71.68 crore, comprising a completely fresh issue of 0.50 crore equity shares. The IPO will open for subscription on November 6, 2025, and close on November 10, 2025. The basis of allotment is expected to be finalised on November 11, 2025, and the company’s shares are scheduled to list on the NSE SME platform on November 13, 2025.

The price band for the IPO has been set between ₹140 and ₹142 per share, with a lot size of 1,000 shares. For retail investors, the minimum investment amount is ₹2,84,000 (for 2,000 shares at the upper price band), while HNI investors are required to apply for at least three lots (3,000 shares), amounting to ₹4,26,000. SKI Capital Services Ltd. is serving as the book-running lead manager and market maker for the issue, while Skyline Financial Services Pvt. Ltd. is the registrar.

Finbud Financial Services Limited IPO Details

Particulars	Details
IPO Date	6 November 2025 to 10 November 2025
Listing Date	13 November 2025
Face Value	₹10 per share
Issue Price Band	₹140 to ₹142 per share
Lot Size	1,000 shares
Total Issue Size	50,48,000 shares (aggregating up to ₹71.68 Cr)
Fresh Issue	50,48,000 shares (aggregating up to ₹71.68 Cr)
Offer for Sale	NA
Issue Type	Bookbuilding IPO
Listing At	NSE SME
Shareholding Pre Issue	1,40,01,480 shares
Shareholding Post Issue	1,90,49,480 shares
Market Maker Portion	2,53,000 shares

Finbud Financial Services Limited IPO Reservation

Investor Category	Shares Offered
QIB	Not more than 50% of the Net Issue
Retail	Not less than 35% of the Net Issue
NII (HNI)	Not less than 15% of the Net Issue

Finbud Financial Services Limited IPO Lot Size

Application	Lots	Shares	Amount
Retail (Min)	2	2,000	₹2,84,000
Retail (Max)	2	2,000	₹2,84,000
S-HNI (Min)	3	3,000	₹4,26,000
S-HNI (Max)	7	7,000	₹9,94,000
B-HNI (Min)	8	8,000	₹11,36,000

Finbud Financial Services Limited IPO Promoter Holding

Shareholding Status	Percentage
Pre-Issue	64.92%
Post-Issue	To be updated after equity dilution

Finbud Financial Services Limited IPO Valuation Overview

KPI	Value
Earnings Per Share (EPS)	₹6.07
Price/Earnings (P/E) Ratio	27.08x
Return on Net Worth (RoNW)	23.61%
Net Asset Value (NAV)	₹25.70 per share
Return on Equity (ROE)	23.61%
Return on Capital Employed (ROCE)	32.11%
EBITDA Margin	6.57%
PAT Margin	3.81%
Debt to Equity Ratio	0.51x

Objectives of the Proceeds

To meet working capital requirements – ₹20.90 crore

To invest in wholly owned subsidiary (LTCV Credit Pvt. Ltd.) – ₹15.00 crore

To fund business development and marketing activities – ₹17.75 crore

To prepay or repay certain outstanding borrowings – ₹4.03 crore

For general corporate purposes – remaining amount

Key Financials (in ₹crore)

Particulars	31 Jul 2025	31 Mar 2025	31 Mar 2024	31 Mar 2023
Assets	76.12	68.93	44.97	27.47
Total Income	85.82	223.50	190.28	135.57
Profit After Tax (PAT)	3.33	8.50	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	7.40

SWOT Analysis of Finbud Financial IPO

Strength and Opportunities

Extensive agent network across India for wide market reach
Strong digital lending platform with robust technology
Partnerships with leading banks and NBFCs
Effective use of data analytics and automation
Comprehensive range of loan products

Risks and Threats

Low profit margins could affect scalability
High dependence on personal loans exposes credit risk
Revenue concentration from top lenders
Rising competition in the fintech lending sector
Regulatory changes could impact business operations

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About Finbud Financial Services Limited

Finbud Financial Services IPO Strengths

Extensive agent network ensures strong nationwide presence and deeper market outreach.

Advanced digital lending platform powered by a secure, scalable technological infrastructure.

Offers diverse, flexible, and customer-centric loan products for multiple financial needs.

Collaborates strategically with reputed banks and NBFCs for seamless lending operations.

Leverages advanced data analytics to enhance profiling accuracy and loan approval efficiency.

Peer Group Comparison

Company Name	EPS (Basic)	EPS (Diluted)	NAV (₹)	P/E (x)	RoNW (%)	P/BV Ratio
Finbud Financial Services	6.07	6.07	25.70	27.08	23.61	5.53
Peer Group
My Mudra Fincorp	9.96	9.96	46.85	7.79	16.87	1.67
BLS E-Services	5.79	5.79	53.10	32.99	12.18	3.60
PB Fintech	7.77	7.65	140.06	236.08	5.49	12.90

How to apply IPO with HDFC SKY?

Follow these simple steps to apply for an IPO through HDFC SKY. Secure your investments and explore new opportunities with ease by accessing the IPOs available on the platform.

1Login to your HDFC SKY Account

2Select Issue

3Enter Number of Lots and your Price.

4Enter UPI ID

5Complete Transaction on Your UPI App