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Finbud Financial Services Ltd IPO

The company operates as a financial platform that specializes in connecting borrowers with lenders, utilizing a hybrid model that combines online via a digital channel and traditional methods via agent channel. It employs a commission-based revenue model, deriving income from each successful loan disbursement conducted by its Lending Partners. The company offers a range of financial products, including personal loans, home loans, and credit lines to consumers, as well as business loans and working capital loans targeted at small to medium-sized enterprises. Each borrower is matched with a suitable lender to ensure that their specific financial needs are met, providing them with flexible terms and competitive rates.

Finbud Financial Services Ltd IPO Details

Total Shares Offered

₹ 50,48,000

Offer to Public

TBA

Retail Max (Shares)

TBA

Pre Issue Promoters Holding

₹ 90,89,748

Exchange

NSE

Issue size

₹ 71.68 Cr

IPO Open Date

Nov 6, 2025

Close Date

Nov 10, 2025

Lot Size

2000

Min Investment

₹ 2,80,000

Issue Type

Book Building - SME

Listing Date

Nov 13, 2025

Finbud Financial Services Ltd IPO Dates

Nov 6, 2025

Opening date

Nov 10, 2025

Closing date

Nov 11, 2025

Basis of Allotment

Nov 12, 2025

Initiation of Refunds

Nov 12, 2025

Credit of Shares

Nov 13, 2025

Listing date

Details

Sector	Type
Sector	Computers - Software - Medium
Sub Sector	Small
Issue Type	Book Building - SME

Subscription Status

*Values are in Lakhs

Investor Type	Subscription Times	Shares Offered*
QIB	0x	0
NII	0x	0
Retail	0x	0
Employee	0x	0
Total	0x	5048000

Investor Type

QIB

NII

Retail

Employee

Total

Subscription Times

5048000

Finbud Financial Services Ltd Financial Status

Income Statement

Particulars (In Rs. Crores)

Balance Sheet

Particulars (In Rs. Crores)

Particulars (in Rs. Crores)	FY23	FY22	FY21
Revenue from operations	190.27	135.48	88.12
EBITDA	10.52	4.20	1.93
PAT	5.92	1.81	-0.01
Total Assets	39.39	22.14	20.30
Share Capital	0.02	0.02	0.02
Total Borrowings	12.84	5.90	8.30
Operating Activities (Net Cash)	6.99	2.71	0.87
Investing Activities (Net Cash)	2.05	2.05	2.05
Financing Activities (Net Cash)	12.84	5.90	8.30
Net Cashflow	1.63	1.28	0.09

About Finbud Financial Services Ltd

Our Company was originally incorporated as a private limited company under the Companies Act, 1956 in the name and style of Finbud Financial Services Private Limited bearing Corporate Identification Number U18101DL2006PTC150034 July 09, 2012, issued by the Registrar of Companies, Karnataka. Subsequently, the name of our Company was changed to Finbud Financial Services Limited and a fresh Certificate of Incorporation dated September 23, 2024, was issued by the Registrar of Companies, Karnataka. As on date of this Draft Red Herring Prospectus, the Corporate Identification Number of our Company is U67190KA2012PLC064767.

The company operates in the dynamic digital lending industry, driven by technology and evolving regulations. This sector leverages digital platforms to provide financial products like personal and business loans, catering to diverse consumer needs with convenience and speed. Key technologies, including AI, data analytics, and blockchain, enhance credit assessment and service personalization. While competition from banks, NBFCs, and fintechs intensifies in urban markets, opportunities lie in underpenetrated regions. Regulatory frameworks focus on balancing innovation, consumer protection, and financial inclusion. Despite challenges like cybersecurity risks and economic fluctuations, strategic fintech partnerships are reshaping service delivery and market growth.

Finbud Financial Services Ltd Key Points

Strengths

Strong portfolio and diverse range of Loan products across consumer preferences.

Diversified revenue from multiple locations and geographies of India.

Strategic Partnerships with Banks and NBFCs.

Capital-efficient and scalable business model.

Experienced, aligned, and professional management team.

Risk

Our business is heavily reliant on Agent channel sales, which constitute a significant portion of our total revenue. Any disruption to Agent channel sales operations, changes in consumer preferences, or inability to effectively grow our Digital channel sales could have a material adverse effect on our business, financial performance, results of operations, and future growth prospects.

Our company has not complied with certain statutory provisions of the Companies Act. Such non-compliance may attract penalties and other actions against our Company and its Directors which could impact the financial position of us to that extent

Concentration Risk from Dependency on a Few Key Lending Partners May Adversely Affect Our Business.

Strategy

Expansion of Service Offerings.

Enhancing Digital Experience.

Strengthening Agent Network.

Market Expansion.

Data Security and Compliance.

How To Apply for Finbud Financial Services Ltd IPO Online?

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From the list of open IPOs, select the IPO you want to invest.

Step 3:

Go through the IPO details like lot size, price band, about the company, etc.

Step 4:

Click ‘Apply IPO’ to apply and enter the number of lots and bidding price along with your UPI ID.

Step 5:

Confirm your bid and accept the payment mandate sent to your UPI App for completing the IPO application.

FAQs on IPO (Initial Public Offering)

What is the issue size of the Finbud Financial Services Ltd IPO?

Finbud Financial Services Ltd's IPO offers shares for up to 71.68 It begins on Nov 6, 2025 and ends on Nov 10, 2025.

What is the price of the Finbud Financial Services Ltd IPO?

The price of Finbud Financial Services Ltd IPO ranges between ₹140 to ₹142 per share.

What are the open and close dates for the Finbud Financial Services Ltd IPO?

The Finbud Financial Services Ltd IPO opens on Nov 6, 2025 and closes on Nov 10, 2025.

When will the Finbud Financial Services Ltd IPO be allotted?

The allotment for the Finbud Financial Services Ltd IPO will be finalised on Nov 11, 2025. The shares will be listed on BSE and NSE on Nov 13, 2025.

What is the minimum lot size required for Finbud Financial Services Ltd IPO?

The minimum lot size for Finbud Financial Services Ltd IPO is 2000 shares, priced between ₹140 to ₹142 per share.

What is the GMP of Finbud Financial Services Ltd IPO?

The GMP (Grey Market Premium) of Finbud Financial Services Ltd IPO fluctuates based on market demand and sentiment.

How do you check the allotment status of Finbud Financial Services Ltd IPO?

To check the allotment status of Finbud Financial Services Ltd IPO, visit the registrar's website, select the IPO, enter your PAN Card number, Application Number, or DP Client ID, and click 'search.'

Where is the Finbud Financial Services Ltd IPO getting listed?

The Finbud Financial Services Ltd IPO is getting listed on the BSE and NSE. Bidding opens on Nov 6, 2025, and closes on Nov 10, 2025. The allotment is finalised on Nov 11, 2025.

How do you apply for the Finbud Financial Services Ltd IPO?

To apply for the Finbud Financial Services Ltd IPO, download the BlinkX app, complete KYC, select the IPO, enter bid details, and submit. Verify UPI payment for shares allotment.