Finbud Financial Services IPO 2025| Finance Buddha IPO| Finbud SME IPO| Finbud share price| Finbud IPO date| Finbud Financial valuation| Dhoni-backed IPO| Ashish Kacholia IPO| NSE Emerge IPO 2025| Indian fintech IPO
💡 About Finbud Financial Services Ltd
Finbud Financial Services Ltd, formerly known as Finance Buddha, is a Bengaluru-based financial intermediary that bridges the gap between lenders and borrowers using a phygital model — combining digital lending with on-ground support.
Founded in 2012, the company partners with banks, NBFCs, and fintechs to distribute loan products across multiple segments — personal, business, and MSME loans.
What makes Finbud unique is its hybrid business model that integrates digital efficiency with human trust — a vital factor in India’s emerging credit markets.
⚙️ Business Overview
- Incorporated: 2012
- Headquarters: Bengaluru, Karnataka
- Industry: Financial Services / Loan Distribution
- Promoters: Mr. Anurag Sinha and Mr. Ratheesh Raveendran
- Key Investors: Ashish Kacholia and MS Dhoni Family Office
- Platform: NSE Emerge (SME segment)
Finbud’s digital lending ecosystem connects borrowers with lending institutions, streamlining credit disbursal while ensuring compliance and credit checks. The company has helped process over ₹7,000 crore worth of loans since inception.
💰 Finbud Financial Services IPO Details
| Particulars | Details |
|---|---|
| IPO Type | SME IPO – Book Building |
| Exchange | NSE Emerge |
| Issue Size | ₹71.68 crore |
| Face Value | ₹10 per share |
| Price Band | ₹140 – ₹142 |
| Lot Size | 1,000 shares |
| Minimum Investment | ₹1,42,000 |
| Opening Date | November 6, 2025 |
| Closing Date | November 10, 2025 |
| Expected Listing | November 13, 2025 |
| Lead Manager | SKI Capital Services Ltd |
| Registrar | Skyline Financial Services Pvt Ltd |
📊 Financial Highlights
Finbud has shown consistent growth in both revenue and profitability, driven by increasing demand for digital lending intermediaries.
| Financial Year | Revenue (₹ Cr) | PAT (₹ Cr) | EPS (₹) | Net Worth (₹ Cr) |
|---|---|---|---|---|
| FY2023 | 189.9 | 4.75 | 3.52 | 62.4 |
| FY2024 | 208.4 | 5.66 | 4.24 | 68.2 |
| FY2025 | 223.3 | 8.50 | 6.07 | 79.1 |
- P/E Ratio: 27.08x (at upper price band)
- P/B Ratio: 2.44x
- Post-IPO Market Cap: ~₹270 crore
- NAV per Share: ₹25.70
These figures reflect a solid growth trend and improving margins — positive indicators for investors seeking long-term value in the fintech sector.
🎯 Objectives of the Issue
The IPO proceeds will be used for:
- Meeting working capital requirements.
- Investment in subsidiary – LTCV Credit Pvt Ltd.
- Brand marketing and technology development.
- Debt repayment and prepayment of certain loans.
- General corporate purposes.
🚀 Competitive Strengths
✅ Hybrid model combining digital and branch-led operations.
✅ Trusted network of banking partners and agents.
✅ Robust credit screening and risk management framework.
✅ Backed by reputed investors (MS Dhoni, Ashish Kacholia).
✅ Growing footprint in Tier-2 and Tier-3 lending markets.
⚠️ Risk Factors
⚠️ High dependence on partner banks/NBFCs for loan approvals.
⚠️ SME listing means lower liquidity and higher volatility.
⚠️ Regulatory changes in lending norms could impact margins.
⚠️ Competition from well-capitalized fintech startups.
⚠️ Technology and data security risks given digital operations.
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📈 Market Outlook
The Indian digital lending market is expected to grow at a CAGR of 22–25% through 2030, driven by fintech adoption and rising credit penetration.
Finbud operates in the sweet spot of this growth — connecting lenders and borrowers efficiently.
However, SME IPOs often carry high-risk/high-reward dynamics. Early investors in similar fintech IPOs (like Edelweiss Financial or Fincare SFB) saw significant short-term listing gains followed by market consolidation.
💬 Analyst View: Should You Apply?
Finbud’s strong financial growth, credible investor backing, and scalable hybrid model make this IPO an attractive proposition for aggressive investors seeking exposure to the fintech lending theme.
However:
- The valuation (P/E ~27x) leaves limited short-term listing room.
- Retail investors should treat this as a medium-to-long-term investment rather than a quick gain.
- Risk-averse investors might prefer to watch post-listing performance before entering.
🟩 Verdict: Apply with long-term view (Moderate Risk – High Growth Potential)
📅 Key IPO Dates
| Event | Date |
|---|---|
| IPO Opens | November 6, 2025 |
| IPO Closes | November 10, 2025 |
| Allotment Date | November 11, 2025 |
| Refunds Initiated | November 12, 2025 |
| Listing Date | November 13, 2025 |
🧠 Retail Investor Tip
💡 SME IPOs often list with high volatility. Investors should monitor grey market premiums (GMP) and post-listing liquidity before committing large capital. Diversify across multiple IPOs to balance exposure.
Finbud Financial Services IPO 2025| Finance Buddha IPO| Finbud SME IPO| Finbud share price| Finbud IPO date| Finbud Financial valuation| Dhoni-backed IPO| Ashish Kacholia IPO| NSE Emerge IPO 2025| Indian fintech IPO
🧭 Reader Engagement
💬 What do you think about Dhoni-backed Finbud’s IPO?
Do you believe fintech distribution platforms can outperform NBFCs in the next decade?
Subscription:
| Day | Anchor | QIB | NII | BNII(>10L) | SNII(<10L) | Retail | Total |
|---|---|---|---|---|---|---|---|
| Day-1 | 1 | 0.04 | 1.41 | 1.66 | 0.91 | 0.34 | 0.48 |
| Day-2 | 1 | 2.37 | 1.28 | 1.37 | 1.08 | 0.53 | 1.21 |
| Day-3 | 1 | 4.33 | 8.38 | 10.63 | 3.87 | 2.80 | 4.43 |
GMP Trend:
| Date | GMP |
|---|---|
| 06 Nov 2025 | ₹0.00(0.00%) |
| 07 Nov 2025 | ₹0.00(0.00%) |
| 10 Nov 2025 | ₹0.00(0.00%) |
It should be noted that IPO GMP is subject to extreme volatility, so an investment decision based solely on Patel Retail IPO GMP will prove risky. Therefore, before to investing, consider all factors and make the right investment decision whether to invest in Patel Retail IPO or not.
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- Disclaimer: This post is for informational and educational purposes only and does not constitute financial advice or a recommendation to buy/sell any stock or share. Investing in the stock market involves risk. Past performance is not indicative of future results. Always conduct your own research or consult a licensed financial advisor before making investment decisions.
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- ⚠️ IPO (Initial Public Offerings)
- IPO details, issue size, subscription data, and allotment status shared here are based on publicly available information from company filings, stock exchanges, and merchant bankers.
- Investing in IPOs carries risks including listing volatility, business uncertainties, and sector performance dependency.
- Neither acceptance of applications nor allotment guarantees profits. Investors should evaluate their risk appetite before subscribing.
- ⚠️ GMP (Grey Market Premium)
- Grey Market Premium (GMP) is an unofficial and unregulated indicator of expected IPO listing price.
- GMP data is collected from market observers and informal trading circles; it does not have any legal or SEBI recognition.
- GMP values are highly speculative and may differ significantly from actual listing prices. Investors should not rely solely on GMP while taking investment decisions.
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- We do not provide any buy/sell/hold recommendations.
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