About IBL Finance
IBL Finance is a publicly listed company based in Surat (India) founded in 2017. Personal loans are facilitated via an Android app platform. It operates on a FinTech model. Its chief executive, as recorded, is Manishbhai Patel. Its Indian entity Ibl Finance Limited reported revenue of ₹17.32 Cr. IBL Finance offers products and services including Personal Loan, Onward Lending, and Non-Convertible Debentures (NCD). Its focus areas include Financials, Non-Banking Financial Companies and Consumer Finance. Similar companies include Kissht, axio and Stashfin; 3 of its 3 listed similar companies have raised funding.
Company details
IBL Finance Limited is established as a technology-driven Non-Banking Financial Company (NBFC) in India, committed to providing financial solutions for over seven years. Services are offered in personal loans, onward lending to financial institutions, and secured non-convertible debentures (NCDs). The company operates in the consumer finance sector, focusing on accessible and customized financial products. Digital platforms are utilized to streamline loan applications and customer interactions. A customer base of over 1.8 lakh is served across the country with a focus on small-scale businesses and individual needs.
- Headquarters Surat, India
- Stage Public
- SectorsFinancial Services
- Email••••••••
- Phone•••• ••••
- Website iblfinance.in
- Social X Facebook Instagram
- Legal Name Ibl Finance Ltd.
- Market Cap₹152 Cr
IBLFL-SM · NSE
- Share Price₹61.55
0.00% today
- Revenue₹17.31 Cr
FY 2025-26 · +32.5% YoY
- EBITDA₹9.96 Cr
Margin 57.5%
- Net Profit₹2.44 Cr
FY 2025-26 · +3.4% YoY
- P/E (TTM)61.7x
P/B 2.2x
- ROE4.1%
ROCE 8.0%
- Debt / Equity0.85
Interest cover 66.0x
Associated legal entities of IBL Finance
IBL Finance is associated with 2 registered companies on The Company Check; the primary company is Ibl Finance Limited, a listed company. Each company page carries the filings, financials, charges and directors of that entity.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2026) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Ibl Finance Limited Listed CIN L65999GJ2017PLC098565 | Active | 03 Aug 2017 | Causway Road Surat, Gujarat | ₹17.3 Cr | 15 | 8 | View details |
| Ibl Finance Private Limited CIN U65999GJ2017PTC098565 | Active | 03 Aug 2017 | Surat, Gujarat | ₹3.3 Cr | 31 | 3 | View details |
Products & Services of IBL Finance
IBL Finance offers a comprehensive portfolio of products and services, including Personal Loan, Onward Lending, and Non-Convertible Debentures (NCD).
Personal loans are provided for individual financial needs.
Funds are offered to financial institutions for lending.
Secured NCDs are issued with attractive interest rates.
Apps and channels of IBL Finance
IBL Finance publishes 1 mobile app with over 1M+ downloads.
Board of directors of Ibl Finance Limited (IBL Finance)
Ibl Finance Limited is the primary company behind IBL Finance. The boards of the 2 registered companies of IBL Finance currently have 6 directors; the longest-serving is Mansukhbhai Kunvarjibhai Patel, appointed in 2017. 8 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Mansukhbhai Kunvarjibhai Patel DIN 07838306 | Director | 03 Aug 2017 | 9 yrs 2 mo | Ibl Finance Private Limited, Ibl Finance Limited |
| Manishbhai Mansukhbhai Patel DIN 07840184 | Director | 03 Aug 2017 | 9 yrs 2 mo | Ibl Finance Private Limited, Ibl Finance Limited |
| Piyush Mansukhbhai Patel DIN 07838311 | Director | 03 Aug 2017 | 9 yrs 2 mo | Ibl Finance Private Limited, Ibl Finance Limited |
| Ajaykumar Arvindbhai Baldha DIN 08527085 | Director | 29 Apr 2023 | 3 yrs 5 mo | Ibl Finance Limited |
| Bipinkumar Hirpara DIN 08249274 | Director | 29 Apr 2023 | 3 yrs 5 mo | Ibl Finance Limited |
| Hitisha Mehulkumar Chanchad DIN 10173778 | Director | 29 Apr 2023 | 3 yrs 5 mo | Ibl Finance Limited |
People of IBL Finance
1 people are tracked at IBL Finance (1 in leadership).
| Name | Role | Group |
|---|---|---|
| CEO | Leadership |
Complete people profiles for IBL Finance
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
- Full employee list
- Team structure
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IPO & Listings of IBL Finance
IBL Finance is a publicly listed company on the NSE with ticker symbol IBLFL in India, operating in the Finance sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.
- IPO date16 Jan 2024
- Listed onNSE: IBLFL
- Listed entityIBL Finance Ltd.
- Exchange sectorFinance
- ISININE0O7401018
- Share price₹60.20 (-4.82% on the day) · 2026-10-14
- Market capitalisation₹156 Cr
- Price to earnings61.3
- EPS (diluted, trailing year)₹0.98
- Volume (last session)2,000
Financials of IBL Finance
Exchange-reported figures of Ibl Finance Limited, the listed company behind IBL Finance (NSE: IBLFL-SM).
Financial Highlights
FY 2025-26 · StandaloneRevenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 17.31 | 13.06 | 14.22 | 13.33 | 3.27 | 1.13 | 1.07 |
| Revenue growth | +32.5% | -8.2% | +6.7% | +307.7% | +189.4% | +5.6% | - |
| EBITDA | 9.96 | 6.70 | 3.71 | 4.14 | 0.70 | (0.02) | 0.00 |
| EBITDA margin | +57.5% | +51.3% | +26.1% | +31.1% | +21.4% | -1.8% | 0.0% |
| Profit before tax | 3.20 | 2.99 | 3.04 | 2.86 | 0.56 | (0.09) | (0.04) |
| Net profit | 2.44 | 2.36 | 2.29 | 2.04 | 0.42 | (0.10) | (0.05) |
| Net profit margin | +14.1% | +18.1% | +16.1% | +15.3% | +12.8% | -8.9% | -4.7% |
| EPS (₹) | 0.99 | 0.95 | 0.92 | 2.25 | 1.31 | (0.30) | (0.16) |
| Balance sheet | |||||||
| Total assets | 124 | 110 | 64.58 | 20.76 | 10.01 | 3.17 | 3.23 |
| Net worth | 61.10 | 58.66 | 56.30 | 20.67 | 3.55 | 3.13 | 3.23 |
| Total debt | 57.85 | 44.17 | 4.91 | 0.09 | 6.41 | 0.00 | 0.00 |
| Cash & bank | 3.68 | 2.83 | 5.20 | 1.04 | 1.28 | 0.41 | 0.57 |
| Net working capital | 79.19 | 46.97 | 45.72 | 20.49 | 9.86 | 2.89 | 2.29 |
| Cash flow | |||||||
| Cash from operations | (3.40) | (45.90) | (30.51) | (7.75) | (5.64) | (0.81) | (0.63) |
| Cash from investing | (0.54) | (0.61) | (1.58) | (0.13) | 0.12 | 0.66 | 0.60 |
| Cash from financing | 4.80 | 44.14 | 36.25 | 7.65 | 6.39 | 0.00 | 0.50 |
Financial Statements
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 17.31 | 13.06 | 14.22 | 13.33 | 3.27 | 1.13 | 1.07 |
| Revenue growth | +32.5% | -8.2% | +6.7% | +307.7% | +189.4% | +5.6% | - |
| Other income | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total expenses | 7.35 | 6.36 | 10.51 | 9.19 | 2.57 | 1.15 | 1.07 |
| Employee cost | 2.21 | 1.72 | 2.23 | 1.40 | 0.75 | 0.25 | 0.38 |
| EBITDA | 9.96 | 6.70 | 3.71 | 4.14 | 0.70 | (0.02) | 0.00 |
| EBITDA margin | +57.5% | +51.3% | +26.1% | +31.1% | +21.4% | -1.8% | 0.0% |
| Depreciation | 0.59 | 0.52 | 0.24 | 0.05 | 0.05 | 0.06 | 0.04 |
| Interest | 6.18 | 3.19 | 0.43 | 1.23 | 0.09 | 0.01 | 0.00 |
| Profit before tax | 3.20 | 2.99 | 3.04 | 2.86 | 0.56 | (0.09) | (0.04) |
| Tax | 0.76 | 0.64 | 0.75 | 0.82 | 0.14 | 0.01 | 0.01 |
| Net profit | 2.44 | 2.36 | 2.29 | 2.04 | 0.42 | (0.10) | (0.05) |
| Net profit margin | +14.1% | +18.1% | +16.1% | +15.3% | +12.8% | -8.9% | -4.7% |
| EPS (₹) | 0.99 | 0.95 | 0.92 | 2.25 | 1.31 | (0.30) | (0.16) |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 24.73 | 24.73 | 24.73 | 9.09 | 3.26 | 3.26 | 3.26 |
| Reserves & surplus | 36.37 | 33.93 | 31.57 | 11.58 | 0.29 | (0.13) | (0.03) |
| Shareholders' funds (net worth) | 61.10 | 58.66 | 56.30 | 20.67 | 3.55 | 3.13 | 3.23 |
| Secured loans | 57.85 | 44.17 | 4.91 | 0.00 | 0.00 | 0.00 | 0.00 |
| Unsecured loans | 0.00 | 0.00 | 0.00 | 0.09 | 6.41 | 0.00 | 0.00 |
| Total debt | 57.85 | 44.17 | 4.91 | 0.09 | 6.41 | 0.00 | 0.00 |
| Total liabilities | 124 | 110 | 64.58 | 20.76 | 10.01 | 3.17 | 3.23 |
| Assets | |||||||
| Gross block | 2.97 | 2.50 | 1.92 | 0.37 | 0.27 | 0.20 | 0.17 |
| Net block | 1.61 | 1.64 | 1.53 | 0.17 | 0.12 | 0.09 | 0.12 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash & bank balances | 3.68 | 2.83 | 5.20 | 1.04 | 1.28 | 0.41 | 0.57 |
| Loans & advances | 81.78 | 47.37 | 42.30 | 20.96 | 8.79 | 2.70 | 1.86 |
| Total current assets | 85.46 | 50.20 | 47.50 | 22.00 | 10.07 | 3.11 | 2.43 |
| Total current liabilities | 6.27 | 3.23 | 1.78 | 1.51 | 0.21 | 0.22 | 0.14 |
| Net working capital | 79.19 | 46.97 | 45.72 | 20.49 | 9.86 | 2.89 | 2.29 |
| Total assets | 124 | 110 | 64.58 | 20.76 | 10.01 | 3.17 | 3.23 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 2.83 | 5.20 | 1.04 | 1.28 | 0.41 | 0.57 | 0.10 |
| Net cash from operating activities | (3.40) | (45.90) | (30.51) | (7.75) | (5.64) | (0.81) | (0.63) |
| Net cash from investing activities | (0.54) | (0.61) | (1.58) | (0.13) | 0.12 | 0.66 | 0.60 |
| Net cash from financing activities | 4.80 | 44.14 | 36.25 | 7.65 | 6.39 | 0.00 | 0.50 |
| Net change in cash | 0.85 | (2.37) | 4.15 | (0.24) | 0.87 | (0.16) | 0.47 |
| Closing cash | 3.68 | 2.83 | 5.20 | 1.04 | 1.28 | 0.41 | 0.57 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +32.5% | -8.2% | +6.7% | +307.7% | +189.4% | +5.6% | - |
| EBITDA growth | +48.7% | +80.6% | -10.4% | +491.4% | +3600.0% | - | - |
| PBT growth | +7.0% | -1.6% | +6.3% | +410.7% | +9998.0% | -125.0% | +9997.0% |
| Net income growth | +3.4% | +3.1% | +12.3% | +385.7% | +520.0% | -100.0% | - |
| Revenue CAGR (3Y) | +9.1% | +58.7% | +132.6% | +131.8% | - | - | - |
| EBITDA CAGR (3Y) | +34.0% | +112.3% | - | - | - | - | - |
| Profitability & leverage | |||||||
| Net income margin | +14.1% | +18.0% | +16.1% | +15.3% | +12.8% | -8.9% | -4.7% |
| Return on capital employed | +8.0% | +7.1% | +8.1% | +26.7% | +10.0% | 0.0% | 0.0% |
| Return on net worth | +4.1% | +4.1% | +5.9% | +16.9% | +12.9% | 0.0% | 0.0% |
| Debt / equity | 0.85 | 0.43 | 0.07 | 0.27 | 0.96 | 0.00 | 0.00 |
| Long-term debt / equity | 0.84 | 0.38 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest cover | 65.96 | 51.62 | 12.39 | 30.07 | 13.85 | -12.50 | 0.00 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 6.33 | 5.91 | 12.42 | 41.66 | 13.91 | 6.11 | 6.29 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS (₹) | 0.99 | 0.95 | 0.92 | 2.25 | 1.31 | (0.30) | (0.16) |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 24.70 | 23.72 | 22.77 | 22.74 | 10.90 | 9.59 | 9.90 |
Similar companies to IBL Finance
IBL Finance has 3 listed similar companies in our database, 3 of them funded. They include Kissht, axio and Stashfin.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| kissht.com | 2015 | Mumbai, India | $132.57M | 265 | Personal, business, and property loans are provided by Kissht. | |
| axio.co.in | 2013 | Bengaluru, India | $205.92M | 499 | An online lending platform for point-of-sale financing is provided. | |
| stashfin.com | 2016 | Gurugram, India | $115M | 175 | Digital lending and instant credit lines are provided to individuals. |
Detailed similar companies of IBL Finance
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Web traffic of IBL Finance
The website of IBL Finance (iblfinance.in) receives about 3K visits a month.
- Monthly visits3K
▼ 4.6% vs previous month
Top companies in Consumer and SME Loans
3 companies that operate in the same segment as IBL Finance (Consumer and SME Loans) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Consumer and SME loans are provided by Manappuram Finance. | 1992 | Valapad, Kerala, India | USD 39.98 M | USD 1.01 B | 51,650 | |
Affordable home loans are extended to low and middle-income groups. | 2010 | Mumbai, Maharashtra, India | USD 209.7 M | USD 203.79 M | 1,630 | |
Diversified lending services are provided as a non-banking financial institution. | 1994 | Mumbai, Maharashtra, India | USD 1.9 B | 36,520 |
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Related news about Ibl Finance
Complete news archive for IBL Finance
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Frequently Asked Questions about IBL Finance
IBL Finance was founded in 2017.
IBL Finance is headquartered in Surat, India. It is registered at Surat, Gujarat, India.
Manishbhai Patel is the CEO of IBL Finance, as recorded in our data.
The primary company behind IBL Finance, Ibl Finance Limited, reported revenue of ₹17.32 Cr for FY 2026, up 33% year on year.
IBL Finance Limited is established as a technology-driven Non-Banking Financial Company (NBFC) in India, committed to providing financial solutions for over seven years. Services are offered in personal loans, onward lending to financial institutions, and secured non-convertible debentures (NCDs). The company operates in the consumer finance sector, focusing on accessible and customized financial products. Digital platforms are utilized to streamline loan applications and customer interactions. A customer base of over 1.8 lakh is served across the country with a focus on small-scale businesses and individual needs.
IBL Finance offers Personal Loan, Onward Lending, and Non-Convertible Debentures (NCD).
Yes, IBL Finance is publicly traded on NSE under the ticker symbol IBLFL.
IBL Finance is associated with 2 legal entities: Ibl Finance Limited, Ibl Finance Private Limited.
The legal entities of IBL Finance currently have 9 directors, including Mansukhbhai Kunvarjibhai Patel, Manishbhai Mansukhbhai Patel, Piyush Mansukhbhai Patel and others.
Yes. IBL Finance publishes IBL : Instant Personal Loan, with over 1 million downloads.