What we do IBL Finance Limited is a technology-driven fintech NBFC providing instant personal loans and MSME financing, focusing on underserved yet creditworthy borrowers across India. |
Founded in 2,017 |
Market share Niche fintech NBFC with a growing pan-India presence and leading SME lending partnerships. |
Problem solved Enables quick, accessible credit to underserved individuals and MSMEs using data science and digital platforms. |
Top clients or who we serve Self-employed professionals, small businesses, and MSMEs; serves B2C and B2B via fintech app and institutional tie-ups. |
Key management Manish Patel (Managing Director), Piyush Patel (Whole-time Director), Mansukhbhai Patel (Whole-time Director). |
Our journey and innovations Started in 2017, converted to public company in 2023, launched instant personal loan app, listed on NSE SME in 2024, crossed Rs 100 Cr AUM in 2025. |
Where we operate India, with partnerships across 36 national NBFCs expanding reach. |
Top products or what we offer Instant personal loans via mobile app; MSME financing through fintech and institutional lending. |
Top brands IBL: Instant Personal Loan app - digital, quick disbursal, over Rs 105 Crores AUM. |
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Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily from interest income on loans; mostly recurring with scalable digital model. |
Our industry position Emerging fintech NBFC with innovative digital lending and institutional partnerships, positioned for pan-India growth. |
Financial highlights FY 2024-25 Revenue: Rs 13.06 Crores; Net Profit: Rs 2.36 Crores; AUM crossed Rs 105 Crores. |
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Whats driving growth Digital lending platform scalability, growing MSME credit demand, strong NBFC partnerships, and new NCD funding. |
Our future plans Expand pan-India retail MSME lending; enhance technology infrastructure and product offerings; diversify funding via NCDs. |
Our green promise - |
Our people and values Committed to ethical lending, employee development, gender-neutral policies, and fostering inclusion and transparency. |
Key challenges ahead Maintaining credit quality as loan book scales; competitive fintech environment; regulatory compliance. |
Interesting facts Only NBFC with fresh listing on NSE SME Emerge platform post-2019; hybrid lending model with retail and institutional engines. |
Risks and strategy Credit risk mitigated by credit scoring and due diligence; technology investments to improve customer experience and operational efficiency. |
