Finbud Financial Services Limited Link 
Allotment
Finbud Financial IPO is scheduled to open for subscription on November 6, 2025, and will close on November 10, 2025. The issue is a Book Built IPO, through which the company plans to raise approximately ₹71.68 crores, entirely through a fresh issue of ₹71.68 crores, along with an offer for sale of equity shares having a face value of ₹10 each.
The IPO price band has been fixed at ₹140 to ₹142 per share. The allocation is divided into 35% for retail investors, 50% for Qualified Institutional Buyers (QIBs), and 15% for High Net-worth Individuals (HNIs). The shares are proposed to be listed on the NSE on November 13, 2025, while the allotment is expected to be finalized on November 11, 2025.
On the financial front, the company reported revenue of ₹223.50 crores in FY2025, compared to ₹190.28 crores in FY2024. Net profit also improved to ₹8.50 crores in FY2025 from ₹5.66 crores in FY2024. Based on its financial performance, the IPO may be suitable for long-term investors.
₹142
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Open
₹142
HIgh - Low
₹142
Previous Close
₹142
Total Traded Value
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52 Weeks High
₹142
52 Weeks Low
₹142
Updates On
Nov 1, 2025
IPO. Open
Nov 6, 2026
IPO. Close
Nov 10, 2026
IPO. Price
₹142.00
IPO Market price
₹270.50 Cr
IPO Details
| IPO Date | 13 Nov |
| IPO Listing Date | 13 Nov |
| IPO Face Value | ₹10.00 per share |
| IPO Price Range | ₹142.00 |
| IPO Issue Size | 50,48,000 shares |
| IPO Sale Type | Fresh Capital |
| Employee Discount | - |
| IPO Issue Type | Book Building IPO |
| IPO Listing | NSE SME Platform |
| hare Holding Pre Issue | 1,40,01,480 shares |
IPO Timeline
| IPO Open Date | 6 Nov |
| IPO Close Date | 10 Nov |
| IPO Allotment (Tentative) | 11 Nov |
| Refunds | 12 Nov |
| Credit to Demat Account | 12 Nov |
| IPO Listing Date | 13 Nov |
IPO Reservation
| Category | Offer |
|---|---|
| QIB Shares Offered | 23,95,000 |
| NII (HNI) Shares Offered | 7,20,000 |
| Retail Shares Offered | 16,80,000 |
IPO Lot Size
Investors can bid for a minimum of 2,000 shares, with additional shares in multiples of 1,000.
| Application | Lots | Share | 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 |
Incorporated in July 2012, Finbud Financial Services Limited operates as a loan aggregation platform in India, helping individuals and businesses access personal, business, and home loans from banks and non-banking financial companies (NBFCs). The company connects borrowers with suitable lenders by simplifying the loan discovery, comparison, and application process.
Services Offered
* Offer Comparison: Enables customers to compare loan options from multiple lenders.
* Product Recommendation: Advises borrowers on the most suitable loan products based on their requirements.
* Documentation Support: Assists customers throughout the loan documentation and application process.
* Commission-Based Model: Earns commission from lending partners upon successful loan disbursement.
Product Portfolio
* Personal Loans: Unsecured loans for salaried individuals, with an average ticket size of around ₹10 lakh, forming the largest revenue source through agents.
* Business Loans: Unsecured loans for SMEs, averaging ₹20 lakh, contributing significantly to overall revenue.
* Home Loans: Secured loans for home purchases and property mortgages for individuals and SMEs.
As of July 31, 2025, the company employed approximately 276 people.
Business Model & Competitive Strengths
Finbud Financial follows a hybrid business model, combining digital channels with a strong external agent network to serve both online-savvy customers and those preferring traditional interactions. The company sources customers through digital marketing and its agent network, then uses its proprietary matchmaking system to identify the most suitable loan options, facilitate comparisons, and support borrowers from application through disbursement.
Key competitive strengths include:
* Extensive pan-India agent network
* Robust digital lending platform with strong technological infrastructure
* Comprehensive range of loan products
* Strategic partnerships with leading banks and NBFCs
* Effective use of data analytics for customer profiling and faster loan approvals
Company Financials (Consolidated)
| Assets | 76.12 | 68.93 | 44.97 |
| Total Income | 85.82 | 223.5 | 190.28 |
| Profit After Tax | 3.33 | 8.5 | 5.66 |
| EBITDA | 5.87 | 14.66 | 10.59 |
| NET Worth | 39.31 | 35.98 | 11.79 |
| Reserves and Surplus | 25.31 | 21.98 | 11.77 |
| Total Borrowing | 20.48 | 18.51 | 12.43 |
Key Performance Indicator (KPI)
| ROE | 23.61% |
| ROCE | 32.11% |
| Debt/Equity | 0.51 |
| RoNW | 23.61% |
| PAT Margin | 3.81% |
| EBITDA Margin | 6.57% |
| Price to Book Value | 5.53 |
IPO Objects of the Issue
| S.No. | Objects of the ipo Resources Detail | IPO Amount |
|---|---|---|
| 1 | Funding capital expenditure requirements for the purchase of equipment/machineries | - |
| 2 | To meet out the expenses of Working Capital Requirement | 20.9 |
| 3 | To meet out the General Corporate Purposes; | 9.54 |
| 4 | Offer for Sale (OFS) | - |
Contact 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/
Detail Registrar
IPO Registrar
Skyline Financial Services Pvt.Ltd.
Phone: 02228511022
Email: ipo@skylinerta.com
Website: https://www.skylinerta.com/ipo.php
Finbud Financial IPO was a book-built issue of about ₹72 crore, consisting entirely of a fresh issue of 50.48 lakh equity shares with no offer-for-sale component.
The IPO opened on November 6, 2025, closed on November 10, 2025, and the company’s shares were listed on the NSE SME platform on November 13, 2025.
The price band was ₹140–₹142 per share with a lot size of 1,000 shares. Retail investors had to apply for a minimum of 2,000 shares amounting to ₹2,84,000.
Finbud Financial operates a loan aggregation platform, earning commission-based income by connecting borrowers with banks and NBFCs for personal, business, and home loans across India.
In FY2025, the company reported revenue of ₹223.50 crore and PAT of ₹8.50 crore, reflecting steady growth supported by its digital platform, agent network, and expanding loan disbursements.
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