IFL Finance Ltd. IPO Details
IFL Finance was incorporated on March 16, 1988. The company is a non-deposit taking NBFC classified as an Investment and Credit Company (NBFC-ICC) and regulated by the Reserve Bank of India. It primarily provides secured retail lending with a focus on gold loan products.
| Bidding Dates |
|---|
| To Be Announced |
| Minimum Investment | Minimum Lot | Maximum Lot | Lot Size | Number of Shares | Issue Price Band | Post Issue Promoter Holding % | Issue Size | IPO Document |
|---|---|---|---|---|---|---|---|---|
| - | - | - | - | 38.5 M | - | - | ₹0.0 M | DRHP DOC |
IFL Finance issue details
IFL Finance has 38.5 M shares on offer
| Day | Retail Individual Investor | HNI (NII) Investors | Qualified Institutional Buyers |
|---|---|---|---|
| Category Reservation | 35% | 15% | 50% |
IFL Finance IMPORTANT IPO DATES
| Issue Open Date | - |
| Issue close Date | - |
| Allotment Date | - |
| Refund Date | - |
| Demat Account Credit Date | - |
| Listing Date | - |
| Listing on Exchange(s) | NSE and BSE |
IFL Finance NUMBER OF SHARES ON OFFER
IFL Finance FINANCIALS
| Period | Revenue from Operations (Rs in crore) | Net Profit (Rs in crore) | Cash Flow from Operations (Rs in crore) | Free Cash Flow (Rs in crore) | Margins |
| FY26 | 84.6 | 21.6 | -152.6 | -154.0 | 76.3% |
| FY25 | 71.1 | 18.1 | -30.6 | -33.2 | 73.1% |
| FY24 | 63.3 | 12.1 | -13.0 | -13.8 | 65.0% |
IFL Finance INFORMATION ON IPO ISSUE
About IFL Finance
IFL Finance was incorporated on March 16, 1988. The company is a non-deposit taking NBFC classified as an Investment and Credit Company (NBFC-ICC) and regulated by the Reserve Bank of India. It primarily provides secured retail lending with a focus on gold loan products.
Object of the Issue
- Gross proceeds of the fresh issue
- Offer related expenses
- Augmentation of their capital base to meet its future capital requirements
IFL Finance - PROMOTERS
| Name |
|---|
| Gopal Bansal |
| Sunita Bansal |
| India Finsec Limited |
IFL Finance - MANAGEMENT & LEADERSHIP
| Name | Designation |
|---|---|
| Gopal Bansal | Managing Director |
| Sunita Bansal | Whole Time Director |
| Kriti Suri | Whole Time Director |
| Ashish Bansal | Non-Executive Director |
| Devi Dass Agarwal | Chairperson & Non-Executive Independent Director |
| Khushboo Rawat | Non-Executive Independent Director |
IFL Finance Book Running Lead Manager
Aryaman Financial Services Limited
ipo@afsl.co.in
IFL Finance Registrar to the Offer
Skyline Financial Services Private Limited
ipo@skylinerta.com
IFL Finance Strengths
Technology-enabled operations
The company leverages a scalable technology platform to streamline the entire lending lifecycle, including customer onboarding, credit appraisal, loan processing, servicing, and portfolio management. Its digital infrastructure enhances operational efficiency, improves customer experience, strengthens risk management, and supports scalable business growth
Strong asset qality & risk management framework
The company follows a disciplined credit assessment and collateral evaluation framework with structured underwriting, prudent lending practices, and active portfolio monitoring. Its risk management and collection processes have helped maintain healthy asset quality, improve recovery efficiency, and keep NPAs under control
Focused geographical presence
The company has built a strong reputation through transparent practices, customer-centric service, and long-term relationships, driving repeat business and customer trust. Its network of 88 branches across North India, with a strong presence in Delhi NCR and Rajasthan, enhances customer accessibility, loan servicing, and market reach
IFL Finance Risks
Risk of loan portfolio mix
The company's financial performance and asset quality depend on the composition of its loan portfolio across gold loans, home loans, and loans against property. Any significant change in the loan mix due to market, regulatory, or economic factors could adversely affect profitability, asset quality, and overall financial performance
Operational risks
The company's branch operations involve handling large volumes of cash and pledged gold, exposing it to risks such as theft, fraud, burglary, and employee misconduct. Any security breach or loss, even if partially insured, could disrupt operations, damage its reputation, and adversely affect its financial performance
Gold loan renewal & growth risk
The company's gold loan portfolio consists mainly of short-term loans, making sustained growth dependent on continuous loan disbursements and renewals. Any decline in new loan demand, customer retention, or gold prices could reduce its loan portfolio, interest income, and overall financial performance
IPO FAQs
The promoters of the company are Gopal Bansal, Sunita Bansal and India Finsec Limited.
The category allocation of qualified institutional buyers is 50.0%, the category allocation of non individual investors or high networth individuals is 15.0% and for retail investors it is 35.0%.