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Finbud Financial IPO
₹1,40,000/1000 shares
Minimum Investment
IPO Details
06 Nov 25
10 Nov 25
₹1,40,000
1000
₹140 to ₹142
NSE
₹71.68 Cr
13 Nov 25
Open Free Demat Account
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
Explore IPO Opportunities
Explore our comprehensive IPO pages to stay updated on the latest trends and insights.
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
FAQs On Finbud Financial Services Limited IPO
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