What we do IndoStar Capital Finance is a Reserve Bank of India-registered Non-Banking Financial Company primarily engaged in retail lending including vehicle finance and micro loan against property in India. |
Founded in 2,009 |
Market share Operating across 23 states with over 440 branches and ₹7,692 crore AUM, strong presence in Commercial Vehicle finance with significant retail portfolio growth. |
Problem solved Provides accessible finance solutions for commercial vehicles, small businesses, and rural entrepreneurs, addressing their credit and working capital needs in underserved markets. |
Top clients or who we serve Transportation entrepreneurs, small business owners, self-employed individuals, and rural customers; primarily B2C lending for commercial vehicles and micro loans. |
Key management Randhir Singh, Managing Director & Executive Vice Chairman, 31+ years in financial services; Jayesh Jain, CFO, 25+ years experience in banking and finance. |
Our journey and innovations Founded in 2009, IPO in 2018, expanded via acquisitions and diversified into vehicle finance and micro loan against property segments with tech-driven underwriting. |
Where we operate Pan-India operations with presence in 23 states and over 440 branches including Tier 3 and Tier 4 cities. |
Top products or what we offer Commercial vehicle loans, vehicle finance for passenger vehicles, micro loan against property (Micro LAP), and SME finance. |
Top brands Key brands are Commercial Vehicle Finance and Micro LAP; noted for first mover advantage in tier 4 and 5 cities and a referral-driven sourcing model. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue is largely recurring from loan interest with steady disbursement and collection cycles. |
Our industry position One of the leading NBFCs in vehicle finance with AA- credit rating and growing retail loan portfolio; solid asset quality and capital adequacy. |
Financial highlights FY25 revenue ₹1,412 crore; net profit ₹120 crore; capital adequacy ratio above 41%; diversified borrowing sources; healthy loan book growth. |
Geographical revenue split 100% operations and revenue from India. |
Order book - |
Whats driving growth Retail-focused strategy, expanding branch network, tech-enabled underwriting and collections, diversification into Micro LAP and robust asset quality management. |
Our future plans Plans to scale branch network and Micro LAP portfolio, leverage technology for operational efficiency and expand customer base in new geographies. |
Our green promise ESG initiatives reported via Business Responsibility and Sustainability Report, focusing on community engagement and responsible lending. |
Our people and values Employs over 4,000 people focused on collaboration, accountability, ethics, resilience, and high performance. |
Key challenges ahead Competition in retail lending, regulatory compliance, asset quality management amid economic uncertainties. |
Interesting facts Backed by global investor Brookfield and Everstone; successful IPO in 2018; pioneer in Micro LAP for rural entrepreneurs. |
Risks and strategy Mitigates credit, liquidity, operational and regulatory risks through strong governance, risk monitoring, and diversified funding sources. |
