What we do Vaibhav Vyapaar Ltd is an NBFC providing unsecured personal loans digitally to salaried and self-employed individuals, along with tech services to other NBFCs. |
Founded in 2,009 |
Market share Emerging player in unsecured personal loan NBFC segment with AUM of 7,067.77 Lakhs as of March 2026. |
Problem solved Facilitates credit access for first-time and lower-income salaried borrowers through digital personal loans. |
Top clients or who we serve Retail individual borrowers; also serves NBFCs via technology and co-lending partnerships, focusing on B2C and B2B. |
Key management - |
Our journey and innovations Incorporated in 2009; acquired by Capfront Technologies in 2019; business transferred in 2022; launching IPO with fresh equity issue. |
Where we operate India, primarily West Bengal and expanding digitally nationwide via mobile app. |
Top products or what we offer LoanFront, a personal loan mobile app; unsecured loan products; technology and application services for NBFCs. |
Top brands LoanFront - personal loan mobile application with digital onboarding and loan management. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue driven by loan origination and tech services; mix of recurring tech income and cyclical loan disbursals. |
Our industry position Growing NBFC focusing on digital unsecured loans, holding modest net worth and competitive AUM growth. |
Financial highlights FY 2026 Revenue Rs. 36.96 Cr, Net Profit Rs. 1.97 Cr, AUM Rs. 70.68 Cr, Debt-Equity 1.60. |
Geographical revenue split - |
Order book - |
Whats driving growth Digital lending adoption, co-lending partnerships, expanding credit access to underserved segments. |
Our future plans IPO launch with fresh equity infusion planned to scale loan book and technology platform. |
Our green promise - |
Our people and values - |
Key challenges ahead Competition in digital lending, regulatory compliance, maintaining asset quality. |
Interesting facts First mover among NBFCs in integrating lending and fintech application services digitally. |
Risks and strategy Credit risk managed via underwriting; growth via co-lending; diversification through tech services. |
