ISF Ltd (ISFL) Share Price & Fundamentals

What we do

ISF Limited is a North India-based, RBI-registered NBFC providing leasing and hire purchase finance especially to MSMEs for vehicles, consumer durables, and agriculture loans.

Founded in

1,988

Market share

Prominent NBFC in retail financing in India, focusing on MSME funding solutions with over 35 years of operational history.

Problem solved

Addresses MSMEs' funding challenges for business expansion, capital needs, and seasonal stock financing with flexible, quick loan services.

Top clients or who we serve

Serves individuals, MSMEs, farmers, and micro-enterprises across vehicle and consumer financing; operates mainly in B2B and B2C sectors.

Key management

Executive Director Vishal Dang; Independent Directors include Gayathri Muttur Nagaraj and Hargovind Sachdev; CEO Anil Kumar Verma appointed 2024.

Our journey and innovations

Incorporated in 1988, listed in 1995, evolved from Inter State Finance Limited to ISF Limited in 2009, launched online quick loan applications recently.

Where we operate

Primarily operates in India with headquarters in New Delhi; services extend across North India.

Top products or what we offer

Financial products include vehicle loans (new and used, including electric), consumer durable loans, micro-enterprise loans, agriculture loans.

Top brands

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Raw materials needed

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Raw materials supplier

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Recurring vs cyclical contribution

Revenue mostly recurring from loan interest and hire purchase payments with some cyclical demand linked to vehicle sales seasons.

Our industry position

One of oldest and recognized NBFCs in North India serving the retail finance and MSME segment with steady market presence.

Financial highlights

FY 2024-25 revenue at INR 1.78 crore, modest loss of INR 0.65 lakh showing improved performance from previous year loss of INR 73.88 lakh.

Geographical revenue split

Concentrated revenue generation from North India; no exports or overseas markets.

Order book

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Whats driving growth

Focused MSME funding, quick loan approvals online, expanding vehicle finance portfolio including electric vehicles, and strategic cost rationalization.

Our future plans

Strengthen core lending segments, improve operational efficiency, expand customer base in MSME and retail finance sectors.

Our green promise

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Our people and values

Small, dedicated team of 9 employees fostering integrity, ethical conduct, and customer-centric services.

Key challenges ahead

Competitive loan market, regulatory compliance under RBI scale-based framework, improving profitability amid cautious credit conditions.

Interesting facts

One of North India’s oldest listed NBFCs with over three decades of continuous service and early adoption of online loan processing.

Risks and strategy

Risks include credit defaults and regulatory changes; strategy involves secured lending, risk-assessed financing, and diversification across vehicle and consumer loans.