What we do Indus Finance Limited operates as a Non-Banking Finance Company offering corporate credit, investment banking, and merchant banking services, focusing on financial inclusion and sustainable lending. |
Founded in 1,992 |
Market share A key NBFC under RBI's Base Layer with a growing loan portfolio and improving asset quality in India's expanding NBFC sector. |
Problem solved Provides credit solutions to underserved sectors including housing, microfinance, and consumer credit, addressing funding gaps in India's growing middle class. |
Top clients or who we serve Serves retail and corporate clients seeking diverse financial products; operates primarily in B2B and B2C segments within India. |
Key management Dr. Bala V Kutti (Chairman) |
Our journey and innovations Founded in 1992, evolved through name changes, went public in 1996, and embraced digital underwriting and co-lending innovations. |
Where we operate India, primarily Tamil Nadu with a focus on pan-India growth through partnerships. |
Top products or what we offer Corporate credit, housing finance, microfinance, consumer credit products, and investment banking services. |
Top brands Indus Finance core loan products; recognized among base layer NBFCs in India. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue is primarily recurring through loan interest and financial services fees. |
Our industry position Steadily growing NBFC with strong compliance, digital capabilities, and a focused risk framework. |
Financial highlights In FY2024-25, Revenue Rs 5.79 Cr; Net Profit Rs 1.08 Cr; ROE improved to 6.43%. |
Geographical revenue split Revenue mainly from Indian operations; no significant exports. |
Order book - |
Whats driving growth Rising middle-class credit demand, regulatory compliance, co-lending models, and digital innovation. |
Our future plans Expand loan portfolio in sustainable finance, pursue co-lending partnerships, and raise up to Rs 50 Cr equity. |
Our green promise Plans to focus on green energy and sustainable lending portfolios. |
Our people and values Small team of 7 employees focusing on ethical lending, compliance, and customer service excellence. |
Key challenges ahead Competition from banks and fintechs, regulatory compliance costs, limited low-cost funding sources. |
Interesting facts One of few NBFCs with full compliance across CICs, CKYC, IU, and CERSAI reporting; pioneering co-lending in niche sectors. |
Risks and strategy Credit risk managed by conservative lending and collateral evaluation; no external debt, backed by flexible intragroup funding. |
