- Total income
- ₹5,462 Cr
- Profit
- ₹353 Cr

About PB Fintech Limited
Data last updated:
PB Fintech Limited is a public limited company based in Gurgaon, Haryana, India. It operates in the online financial services segment of the internet and digital services sector. It was incorporated on 04 June 2008 and has been in existence for over 18 years.
PB Fintech is ranked #436 on the Fortune India 500 (2025). It is part of the Nifty 500 and BSE 500 indices. Its director Yashish Dahiya is #579 among India's richest people (2026). Its director Alok Bansal is #1,608 among India's richest people (2026).
The company is registered with the Registrar of Companies (ROC), Haryana, under CIN L51909HR2008PLC037998. Its GSTIN is 06AACCE0182A1ZD (Haryana). The company holds 2 GST registrations, all of them active. It is a listed company as per MCA records. Its shares are listed on BSE: 543390 and NSE: POLICYBZR.
The company has an authorised share capital of ₹155.5 Cr and a paid-up capital of ₹92.55 Cr. It was formerly known as Etechaces Marketing and Consulting Private Limited and Pb Fintech Private Limited. It is led by directors including Alok Bansal (Whole-Time Director) and Sarbvir Singh (Whole-Time Director).
Its last annual general meeting (AGM) was held on 26 September 2025, and its latest financial statements are for the year ended 31 March 2026. The registered office is at Plot No. 119 Sector 44, Gurgaon, Haryana, India – 122001.
As per the latest consolidated financials for FY 2025-26, the company reported a revenue of ₹6,794.02 Cr, a growth of 36.5% compared to the previous year. For the same year it recorded a net profit of ₹669.78 Cr (net margin 9.9%) and EBITDA of ₹508.49 Cr (EBITDA margin 7.5%). The net worth stands at ₹7,311.79 Cr (up 13.7% YoY). Total assets are valued at ₹7,769.91 Cr (up 13.8% YoY).
The company has about 162 employees on its provident fund (EPFO) records. Its group structure includes 10 subsidiaries.
The company is associated with 3 brands: Policybazaar, PB Fintech and Etechaces. Court records list 13 cases involving the company, including 9 filed by the company and 4 filed against it; 5 cases are pending. The company has 100 deals on record (47 market trades, 41 secondary share transfers, 11 funding rounds), with disclosed funding of ₹3,898.53 Cr; the latest was in July 2026. The company has 8 MSME Form 1 returns on record between 2020 and 2024, listing 33 overdue payments to 19 micro and small suppliers.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website pbfintech.in.
Company details
Name history
PB Fintech has undergone 2 name changes throughout its history. The company was previously known as Etechaces Marketing And Consulting Private Limited, and Pb Fintech Private Limited. The current legal name is Pb Fintech Limited.
| Company Name | Status |
|---|---|
| PB Fintech Limited | Current |
| Etechaces Marketing And Consulting Private Limited | Previous |
| Pb Fintech Private Limited | Previous |
CIN history
PB Fintech has 2 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is L51909HR2008PLC037998, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L51909HR2008PLC037998 | Current |
| U51909HR2008PTC037998 | Previous |
| U51909HR2008PLC037998 | Previous |
Recognitions & Rankings of PB Fintech
- Valuation
- ₹97,170 Cr
- #579 Yashish Dahiya ₹5,800 Cr
- #1,608 Alok Bansal ₹1,200 Cr
Contact details
PB Fintech Limited's registered office is in Gurgaon, Haryana. Its website is pbfintech.in. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Registered AddressPlot No. 119 Sector 44, Gurgaon, Haryana, India – 122001
- IndustryInternet, Online Financial Services
To see the full contact details of PB Fintech Limited, buy the company report.
- Company details, directors and signatories
- Historical financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Legal cases, compliance and MCA filings
Brands
PB Fintech operates multiple associated brands including Policybazaar, PB Fintech, and Etechaces. Each brand links to its own profile.
| Brand | Description | Website |
|---|---|---|
| Insurance plans are compared and purchased via an online marketplace. | policybazaar.com | |
| Online platform for insurance and lending products is operated. | pbfintech.in | |
| Digital marketing, advertising, and market research services are offered. | etechaces.com |
Business activity
The main business activity of PB Fintech is information and communication. In detail, this covers other information & communication service activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| J | Information and communication | J8 | Other information & communication service activities |
To see the full business activity and turnover split of PB Fintech Limited, buy the company report.
Financials of PB Fintech Limited
FY 2025-26 filings availablePB Fintech Limited reported revenue of ₹6,794.02 Cr (up 36.5% YoY) for FY 2025-26.
Financial Highlights
FY 2025-26 · ConsolidatedRevenue 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 | 6,794 | 4,977 | 3,438 | 2,558 | 1,425 | 887 | 771 |
| Revenue growth | +36.5% | +44.8% | +34.4% | +79.5% | +60.7% | +15.0% | - |
| EBITDA | 508 | 57.00 | (188) | (662) | (902) | (160) | (320) |
| EBITDA margin | +7.5% | +1.2% | -5.5% | -25.9% | -63.3% | -18.0% | -41.5% |
| Profit before tax | 707 | 387 | 77.11 | (488) | (833) | (142) | (295) |
| Net profit | 670 | 307 | 66.95 | (487) | (831) | (178) | (376) |
| Net profit margin | +9.9% | +6.2% | +2.0% | -19.1% | -58.4% | -20.1% | -48.7% |
| EPS (₹) | 14.48 | 7.67 | 1.48 | (10.82) | (18.53) | (6,589.55) | (80,007.63) |
| Balance sheet | |||||||
| Total assets | 7,770 | 6,825 | 6,165 | 5,736 | 5,596 | 2,123 | 1,388 |
| Net worth | 7,312 | 6,432 | 5,871 | 5,476 | 5,412 | 1,992 | 1,266 |
| Total debt | 360 | 322 | 253 | 227 | 159 | 109 | 108 |
| Cash & bank | 760 | 793 | 735 | 763 | 3,700 | 1,810 | 1,106 |
| Net working capital | 2,084 | 2,509 | 3,819 | 3,042 | 4,925 | 1,794 | 1,121 |
| Cash flow | |||||||
| Cash from operations | 41.49 | (183) | 8.65 | (299) | (1,568) | 28.71 | (364) |
| Cash from investing | 225 | 492 | 301 | 46.41 | (2,125) | (1,202) | 79.18 |
| Cash from financing | (81.24) | (72.69) | (56.83) | (42.50) | 3,621 | 759 | 1,031 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1,888 | 2,061 | 1,771 | 1,614 | 1,348 | 1,508 | 1,292 | 1,167 |
| Revenue growth (YoY) | +40.1% | +36.7% | +37.1% | +38.2% | +33.4% | - | - | - |
| Other income | 93.04 | 104 | 85.36 | 87.33 | 100 | 101 | 100 | 106 |
| EBITDA | 137 | 212 | 159 | 97.82 | 34.39 | 112 | 27.56 | (7.81) |
| EBITDA margin | +7.2% | +10.3% | +9.0% | +6.1% | +2.6% | +7.4% | +2.1% | -0.7% |
| Depreciation | 40.12 | 34.87 | 33.76 | 33.86 | 33.48 | 33.29 | 33.57 | 29.39 |
| Interest | 11.13 | 9.78 | 9.31 | 9.23 | 8.77 | 9.17 | 9.31 | 8.98 |
| Profit before tax | 179 | 272 | 201 | 142 | 92.35 | 171 | 85.08 | 60.25 |
| Tax | 15.67 | 10.74 | 11.64 | 7.17 | 7.69 | 0.78 | 13.58 | 9.27 |
| Net profit | 163 | 261 | 189 | 135 | 84.66 | 170 | 71.50 | 50.98 |
| EPS (₹) | 3.50 | 5.61 | 4.08 | 2.89 | 1.82 | 3.65 | 1.55 | 1.09 |
| 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 | 208 | 153 | 110 | 134 | 103 | 123 | 61.11 |
| Revenue growth | +35.8% | +39.1% | -17.8% | +30.0% | -16.4% | +102.0% | - |
| EBITDA | (170) | (282) | (204) | (264) | (409) | (22.55) | (57.31) |
| EBITDA margin | -81.5% | -183.8% | -185.1% | -196.9% | -396.8% | -18.3% | -93.8% |
| Profit before tax | 46.67 | 14.02 | 44.25 | (74.15) | (300) | 27.34 | 18.93 |
| Net profit | 24.40 | (6.28) | 32.22 | (85.38) | (310) | 1.97 | (19.24) |
| Net profit margin | +11.7% | -4.1% | +29.2% | -63.7% | -300.0% | +1.6% | -31.5% |
| EPS (₹) | 0.90 | 0.27 | 0.80 | (1.65) | (6.67) | 833.66 | 2,564.03 |
| Balance sheet | |||||||
| Total assets | 8,225 | 7,961 | 7,737 | 7,374 | 6,909 | 2,958 | 2,047 |
| Net worth | 8,197 | 7,958 | 7,729 | 7,363 | 6,895 | 2,941 | 2,043 |
| Total debt | 27.23 | 1.00 | 4.81 | 8.03 | 10.76 | 13.51 | 2.06 |
| Cash & bank | 226 | 577 | 504 | 489 | 3,243 | 1,751 | 1,068 |
| Net working capital | 758 | 1,463 | 2,701 | 2,070 | 4,449 | 1,771 | 1,111 |
| Cash flow | |||||||
| Cash from operations | (135) | (103) | 42.64 | (4.95) | (56.73) | 70.77 | (12.91) |
| Cash from investing | (14.56) | 316 | 95.32 | (180) | (3,748) | (1,283) | (267) |
| Cash from financing | 0.09 | (2.50) | (3.49) | (3.48) | 3,642 | 776 | 1,050 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 398 | 65.14 | 53.66 | 49.38 | 40.19 | 46.85 | 38.89 | 37.63 |
| Revenue growth (YoY) | +890.3% | +39.0% | +38.0% | +31.2% | +33.7% | - | - | - |
| Other income | 55.18 | 59.88 | 54.05 | 52.48 | 56.46 | 74.40 | 65.38 | 67.73 |
| Total expenses | 30.32 | 105 | 86.56 | 99.39 | 87.62 | 142 | 85.36 | 98.14 |
| EBITDA | 368 | (39.52) | (32.90) | (50.01) | (47.43) | (95.55) | (46.47) | (60.51) |
| EBITDA margin | +92.4% | -60.7% | -61.3% | -101.3% | -118.0% | -203.9% | -119.5% | -160.8% |
| Depreciation | 0.88 | 0.92 | 0.89 | 0.91 | 0.86 | 0.84 | 0.82 | 0.81 |
| Interest | 0.80 | 0.82 | 0.82 | 0.83 | 0.29 | 0.04 | 0.05 | 0.09 |
| Profit before tax | 421 | 18.62 | 19.44 | 0.73 | 7.88 | (22.03) | 18.04 | 6.32 |
| Tax | 13.47 | 0.84 | 3.69 | 0.04 | 0.66 | (5.32) | 4.11 | 0.93 |
Financial Statements
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1,888 | 2,061 | 1,771 | 1,614 | 1,348 | 1,508 | 1,292 | 1,167 |
| Revenue growth (YoY) | +40.1% | +36.7% | +37.1% | +38.2% | +33.4% | - | - | - |
| Other income | 93.04 | 104 | 85.36 | 87.33 | 100 | 101 | 100 | 106 |
| EBITDA | 137 | 212 | 159 | 97.82 | 34.39 | 112 | 27.56 | (7.81) |
| EBITDA margin | +7.2% | +10.3% | +9.0% | +6.1% | +2.6% | +7.4% | +2.1% | -0.7% |
| Depreciation | 40.12 | 34.87 | 33.76 | 33.86 | 33.48 | 33.29 | 33.57 | 29.39 |
| Interest | 11.13 | 9.78 | 9.31 | 9.23 | 8.77 | 9.17 | 9.31 | 8.98 |
| Profit before tax | 179 | 272 | 201 | 142 | 92.35 | 171 | 85.08 | 60.25 |
| Tax | 15.67 | 10.74 | 11.64 | 7.17 | 7.69 | 0.78 | 13.58 | 9.27 |
| Net profit | 163 | 261 | 189 | 135 | 84.66 | 170 | 71.50 | 50.98 |
| EPS (₹) | 3.50 | 5.61 | 4.08 | 2.89 | 1.82 | 3.65 | 1.55 | 1.09 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 6,794 | 4,977 | 3,438 | 2,558 | 1,425 | 887 | 771 |
| Revenue growth | +36.5% | +44.8% | +34.4% | +79.5% | +60.7% | +15.0% | - |
| Other income | 372 | 485 | 381 | 259 | 125 | 70.75 | 84.27 |
| Total expenses | 6,286 | 4,920 | 3,626 | 3,219 | 2,327 | 1,046 | 1,091 |
| Employee cost | 2,466 | 1,959 | 1,644 | 1,540 | 1,256 | 554 | 521 |
| EBITDA | 508 | 57.00 | (188) | (662) | (902) | (160) | (320) |
| EBITDA margin | +7.5% | +1.2% | -5.5% | -25.9% | -63.3% | -18.0% | -41.5% |
| Depreciation | 136 | 121 | 88.72 | 63.82 | 42.84 | 41.38 | 47.30 |
| Interest | 37.58 | 34.05 | 26.72 | 21.60 | 13.76 | 11.66 | 12.05 |
| Profit before tax | 707 | 387 | 77.11 | (488) | (833) | (142) | (295) |
| Tax | 37.24 | 34.46 | 12.70 | (0.02) | (0.48) | 8.33 | 9.19 |
| Net profit | 670 | 307 | 66.95 | (487) | (831) | (178) | (376) |
| Net profit margin | +9.9% | +6.2% | +2.0% | -19.1% | -58.4% | -20.1% | -48.7% |
| EPS (₹) | 14.48 | 7.67 | 1.48 | (10.82) | (18.53) | (6,589.55) | (80,007.63) |
| 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 | 92.54 | 91.85 | 90.24 | 90.02 | 89.90 | 1.23 | 1.11 |
| Reserves & surplus | 7,219 | 6,341 | 5,781 | 5,386 | 5,322 | 1,990 | 1,265 |
| Shareholders' funds (net worth) | 7,312 | 6,432 | 5,871 | 5,476 | 5,412 | 1,992 | 1,266 |
| Minority interest | 5.73 | 5.54 | 5.44 | 8.50 | 0.00 | 0.00 | 0.00 |
| Secured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Unsecured loans | 360 | 322 | 253 | 227 | 159 | 109 | 108 |
| Total debt | 360 | 322 | 253 | 227 | 159 | 109 | 108 |
| Total liabilities | 7,770 | 6,825 | 6,165 | 5,736 | 5,596 | 2,123 | 1,388 |
| Assets | |||||||
| Gross block | 869 | 753 | 585 | 474 | 321 | 212 | 206 |
| Net block | 441 | 418 | 359 | 313 | 205 | 125 | 147 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 3,211 | 2,173 | 1,358 | 622 | 373 | 138 | 1.99 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 1,729 | 1,000 | 634 | 677 | 361 | 173 | 179 |
| Cash & bank balances | 760 | 793 | 735 | 763 | 3,700 | 1,810 | 1,106 |
| Loans & advances | 532 | 1,422 | 3,013 | 2,120 | 1,183 | 18.70 | 24.55 |
| Total current assets | 3,020 | 3,214 | 4,382 | 3,560 | 5,244 | 2,002 | 1,309 |
| Total current liabilities | 937 | 706 | 564 | 518 | 320 | 208 | 188 |
| Net working capital | 2,084 | 2,509 | 3,819 | 3,042 | 4,925 | 1,794 | 1,121 |
| Total assets | 7,770 | 6,825 | 6,165 | 5,736 | 5,596 | 2,123 | 1,388 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 561 | 325 | 72.34 | 367 | 439 | 853 | 107 |
| Net cash from operating activities | 41.49 | (183) | 8.65 | (299) | (1,568) | 28.71 | (364) |
| Net cash from investing activities | 225 | 492 | 301 | 46.41 | (2,125) | (1,202) | 79.18 |
| Net cash from financing activities | (81.24) | (72.69) | (56.83) | (42.50) | 3,621 | 759 | 1,031 |
| Net change in cash | 186 | 236 | 253 | (295) | (71.37) | (415) | 746 |
| Closing cash | 760 | 793 | 735 | 763 | 3,700 | 1,810 | 1,106 |
| 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 | +36.5% | +44.8% | +34.4% | +79.5% | +60.7% | +15.0% | - |
| EBITDA growth | +792.1% | +130.3% | +71.6% | +26.7% | -465.2% | +50.1% | - |
| PBT growth | +82.9% | +401.5% | +9998.0% | +41.5% | -487.2% | +51.9% | +12.6% |
| Net income growth | +118.2% | +358.5% | +113.7% | +41.4% | -366.1% | +52.5% | - |
| Revenue CAGR (3Y) | +38.5% | +51.7% | +57.1% | +49.1% | +42.5% | +38.5% | +104.6% |
| EBITDA CAGR (3Y) | - | - | +5.6% | +27.4% | +39.0% | +44.9% | +36.3% |
| Profitability & leverage | |||||||
| Net income margin | +9.9% | +7.1% | +1.9% | -19.1% | -58.5% | -17.0% | -39.4% |
| Return on capital employed | +8.3% | +4.4% | +1.5% | 0.0% | 0.0% | 0.0% | 0.0% |
| Return on net worth | +7.9% | +3.7% | +0.9% | 0.0% | 0.0% | 0.0% | 0.0% |
| Debt / equity | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.07 | 0.11 |
| Long-term debt / equity | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.06 | 0.09 |
| Interest cover | 10.09 | -52.98 | -9.66 | -2.98 | -1.46 | -5.80 | -3.28 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 8.37 | 7.44 | 6.49 | 6.44 | 5.35 | 4.24 | 4.26 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 4.98 | 6.09 | 5.24 | 4.93 | 5.34 | 5.04 | 4.98 |
| EPS (₹) | 14.48 | 7.67 | 1.48 | (10.82) | (18.53) | (6,589.55) | (80,007.63) |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 158.02 | 140.06 | 130.12 | 121.67 | 120.39 | 87,304.61 | 3,32,835.79 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 398 | 65.14 | 53.66 | 49.38 | 40.19 | 46.85 | 38.89 | 37.63 |
| Revenue growth (YoY) | +890.3% | +39.0% | +38.0% | +31.2% | +33.7% | - | - | - |
| Other income | 55.18 | 59.88 | 54.05 | 52.48 | 56.46 | 74.40 | 65.38 | 67.73 |
| Total expenses | 30.32 | 105 | 86.56 | 99.39 | 87.62 | 142 | 85.36 | 98.14 |
| EBITDA | 368 | (39.52) | (32.90) | (50.01) | (47.43) | (95.55) | (46.47) | (60.51) |
| EBITDA margin | +92.4% | -60.7% | -61.3% | -101.3% | -118.0% | -203.9% | -119.5% | -160.8% |
| Depreciation | 0.88 | 0.92 | 0.89 | 0.91 | 0.86 | 0.84 | 0.82 | 0.81 |
| Interest | 0.80 | 0.82 | 0.82 | 0.83 | 0.29 | 0.04 | 0.05 | 0.09 |
| Profit before tax | 421 | 18.62 | 19.44 | 0.73 | 7.88 | (22.03) | 18.04 | 6.32 |
| Tax | 13.47 | 0.84 | 3.69 | 0.04 | 0.66 | (5.32) | 4.11 | 0.93 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 208 | 153 | 110 | 134 | 103 | 123 | 61.11 |
| Revenue growth | +35.8% | +39.1% | -17.8% | +30.0% | -16.4% | +102.0% | - |
| Other income | 223 | 300 | 252 | 195 | 114 | 56.02 | 86.88 |
| Total expenses | 378 | 435 | 314 | 398 | 513 | 146 | 118 |
| Employee cost | 137 | 169 | 238 | 382 | 484 | 130 | 76.15 |
| EBITDA | (170) | (282) | (204) | (264) | (409) | (22.55) | (57.31) |
| EBITDA margin | -81.5% | -183.8% | -185.1% | -196.9% | -396.8% | -18.3% | -93.8% |
| Depreciation | 3.58 | 3.28 | 3.05 | 3.74 | 3.90 | 3.80 | 9.20 |
| Interest | 2.83 | 0.31 | 0.69 | 1.00 | 1.18 | 2.33 | 1.44 |
| Profit before tax | 46.67 | 14.02 | 44.25 | (74.15) | (300) | 27.34 | 18.93 |
| Tax | 5.23 | 1.49 | 8.06 | 0.00 | (0.56) | 8.33 | 9.18 |
| Net profit | 24.40 | (6.28) | 32.22 | (85.38) | (310) | 1.97 | (19.24) |
| Net profit margin | +11.7% | -4.1% | +29.2% | -63.7% | -300.0% | +1.6% | -31.5% |
| EPS (₹) | 0.90 | 0.27 | 0.80 | (1.65) | (6.67) | 833.66 | 2,564.03 |
| 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 | 92.54 | 91.85 | 90.24 | 90.02 | 89.90 | 1.23 | 1.11 |
| Reserves & surplus | 8,104 | 7,866 | 7,639 | 7,273 | 6,805 | 2,940 | 2,042 |
| Shareholders' funds (net worth) | 8,197 | 7,958 | 7,729 | 7,363 | 6,895 | 2,941 | 2,043 |
| Secured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Unsecured loans | 27.23 | 1.00 | 4.81 | 8.03 | 10.76 | 13.51 | 2.06 |
| Total debt | 27.23 | 1.00 | 4.81 | 8.03 | 10.76 | 13.51 | 2.06 |
| Total liabilities | 8,225 | 7,961 | 7,737 | 7,374 | 6,909 | 2,958 | 2,047 |
| Assets | |||||||
| Gross block | 32.72 | 23.46 | 23.43 | 22.66 | 22.77 | 24.17 | 10.98 |
| Net block | 28.57 | 2.73 | 5.72 | 8.00 | 11.49 | 15.73 | 3.48 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 6,328 | 5,370 | 4,840 | 3,903 | 2,416 | 1,146 | 914 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 2.80 | 0.66 | 1.81 | 0.89 | 5.56 | 11.95 | 7.76 |
| Cash & bank balances | 226 | 577 | 504 | 489 | 3,243 | 1,751 | 1,068 |
| Loans & advances | 601 | 985 | 2,264 | 1,593 | 1,217 | 48.29 | 52.94 |
| Total current assets | 830 | 1,563 | 2,770 | 2,083 | 4,465 | 1,812 | 1,129 |
| Total current liabilities | 72.08 | 99.49 | 68.90 | 13.27 | 15.61 | 41.01 | 17.54 |
| Net working capital | 758 | 1,463 | 2,701 | 2,070 | 4,449 | 1,771 | 1,111 |
| Total assets | 8,225 | 7,961 | 7,737 | 7,374 | 6,909 | 2,958 | 2,047 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 374 | 164 | 29.43 | 218 | 381 | 817 | 47.16 |
| Net cash from operating activities | (135) | (103) | 42.64 | (4.95) | (56.73) | 70.77 | (12.91) |
| Net cash from investing activities | (14.56) | 316 | 95.32 | (180) | (3,748) | (1,283) | (267) |
| Net cash from financing activities | 0.09 | (2.50) | (3.49) | (3.48) | 3,642 | 776 | 1,050 |
| Net change in cash | (149) | 210 | 134 | (188) | (163) | (436) | 770 |
| Closing cash | 226 | 577 | 504 | 489 | 3,243 | 1,751 | 1,068 |
| 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 | +35.8% | +39.1% | -17.8% | +30.0% | -16.4% | +102.0% | - |
| EBITDA growth | +39.8% | -38.2% | +22.7% | +35.5% | -1715.6% | +60.7% | - |
| PBT growth | +232.9% | -68.3% | +9998.0% | +75.3% | - | +44.4% | +9998.0% |
| Net income growth | +488.5% | -119.5% | +137.7% | +72.4% | - | +110.2% | - |
| Revenue CAGR (3Y) | +15.8% | +14.1% | -3.7% | +30.0% | +27.4% | +16.0% | -16.5% |
| EBITDA CAGR (3Y) | -13.7% | -11.7% | +108.4% | +66.4% | +118.1% | -19.4% | - |
| Profitability & leverage | |||||||
| Net income margin | +19.9% | +8.2% | +32.8% | -55.3% | -290.4% | +15.4% | +16.0% |
| Return on capital employed | +0.4% | -0.0% | +0.5% | 0.0% | 0.0% | +0.2% | -1.1% |
| Return on net worth | +0.3% | -0.1% | +0.4% | 0.0% | 0.0% | +0.1% | -1.2% |
| Debt / equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Long-term debt / equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest cover | -1.63 | -0.11 | -0.33 | -0.37 | -0.29 | -8.84 | -2.17 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 7.42 | 6.54 | 4.79 | 5.91 | 4.40 | 7.02 | 7.88 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 120.45 | 124.24 | 81.70 | 41.60 | 11.79 | 12.52 | 10.28 |
| EPS (₹) | 0.90 | 0.27 | 0.80 | (1.65) | (6.67) | 833.66 | 2,564.03 |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 177.15 | 173.28 | 171.31 | 163.58 | 153.39 | 1,28,938.86 | 5,37,323.26 |
To see the full year-wise statements and ratios of PB Fintech Limited, buy the company report.
Board of directors of PB Fintech Limited
PB Fintech has 8 current directors and 14 former directors. Current directors are listed first, with their designation and appointment date.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Yashish Dahiya | Director | 10 Jun 2008 | 18 Years 4 Months | Current |
| Alok Bansal Also directs: PB Healthcare Services Private Limited, Aswa Trusteeship Services Private Limited, Onemi Technology Solutions Limited and 1 more | Whole-Time Director | 20 Oct 2017 | 9 Years 0 Months | Current |
| Kitty Agarwal | Nominee Director | 07 Feb 2018 | 8 Years 8 Months | Current |
| Veena Vikas Mankar Also directs: Digispice Technologies Limited, Spice Money Limited, Paisabazaar Marketing and Consulting Private Limited and 2 more | Director | 19 Jun 2021 | 5 Years 4 Months | Current |
| Sarbvir Singh Also directs: Blue Jay Finlease Private Limited, PB Pay Private Limited, Punt Partners Private Limited and 2 more | Whole-Time Director | 05 Jun 2020 | 6 Years 4 Months | Current |
| Nilesh Bhaskar Sathe | Director | 19 Jun 2021 | 5 Years 4 Months | Current |
Auditor
PB Fintech Limited is audited by Walker Chandiok & Co LLP for the financial year 2024.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| Walker Chandiok & Co LLP | FY 2024 | 001076N/N500013 |
Shareholding
Shareholding for the quarter ended Sep 2026: promoters hold 0.00%, foreign institutional investors hold 37.30%, domestic institutional investors hold 40.40% and retail and other public shareholders hold 22.30%.
| Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | |
|---|---|---|---|---|
| Promoters | 0.00% | 0.00% | 0.00% | 0.00% |
| Public | 100.00% | 100.00% | 100.00% | 100.00% |
Deals & funding
PB Fintech Limited has 100 deals on record (47 market trades, 41 secondary share transfers, 11 funding rounds), with disclosed funding of ₹3,898.53 Cr; the latest was in July 2026.
Deals on record (5 of 100)
| When | Deal | Amount | Parties |
|---|---|---|---|
| May 2026 | Market trade | ₹805.45 Cr | Buyer: Morgan Stanley Investment Management, Ghisallo Master Fund Lp, Hdfc Mutual Fund, an individual Seller: an individual |
| Jun 2025 | Market trade | ₹919.86 Cr | Buyer: Ghisallo Master Fund Lp, Icici Prudential Life Insurance Company Limited , HDFC Life Insurance Company Limited Seller: 2 individuals |
| Aug 2024 | Market trade | ₹1,668.16 Cr | Buyer: Sbi Mutual Fund, Europacific Growth Fund, Goldman Sachs Public Market Fund Seller: Tencent Cloud Europe Bv |
| May 2024 | Market trade | ₹1,858.6 Cr | Buyer: Graviton Research Capital LLP , Copthall Mauritius Investment Limited, an individual Seller: Integrated Core Strategies (Asia) Pte. Ltd., Copthall Mauritius Investment Limited, Ubs Principal Capital Asia Limited, an individual |
| May 2024 | Market trade | ₹1,109.23 Cr | Buyer: Societe Generale - Odi, Morgan Stanley Investment Management, Axis Mutual Fund Seller: 2 individuals |
To see the full deal history of PB Fintech Limited, buy the company report.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
PB Fintech Limited has 13 court cases on record: 9 filed by PB Fintech, 4 filed against it. 5 cases are pending and 8 are disposed.
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| High courts | 7 | 2 | 5 |
| District courts | 3 | 1 | 0 |
| NCLT | 3 | 1 | 0 |
Cases on record (5 of 13)
| Court | Type of case | Party | Status |
|---|---|---|---|
| NCLT, Chandigarh | Court case (C.A.(CAA)) | Filed against the company by Makesense Technologies Limited | Disposed |
| District court, Gurugram, Haryana | Civil suit | Filed by the company against Ms Ir Financial Services Pvt. Ltd. | Disposed |
| High Court of Delhi | Court case (FAO(OS) (COMM)) | Filed against the company by Godaddy Com LLC | Pending |
| High Court of Delhi | Court case (FAO(OS) (COMM)) | Filed against the company by an individual | Pending |
| High Court of Delhi | Writ petition | Filed by the company against Assistant Commissioner of Income Tax & Anr. | Pending |
To see the full case history of PB Fintech Limited, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
MSME payment delays
PB Fintech Limited has 8 MSME Form 1 returns on record between 2020 and 2024, listing 33 overdue payments to 19 micro and small suppliers. Companies must report dues to micro and small suppliers that stay unpaid for more than 45 days in a half-yearly MSME Form 1 return.
Suppliers with reported dues (5 of 19)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| Mufg Intime India Private Limited | |||
| Resurgent India Ltd | |||
| Corporate Professionals (India) Private Limited | |||
| Concept Communication Limited | |||
| Khaitan Legal Associates |
To see the full MSME payment records of PB Fintech Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Group structure & subsidiaries
PB Fintech has 10 subsidiary companies and 1 associated company. This group structure data is as of FY 2024. The table lists each entity with its relationship and holding.
| Company Name | CIN | Shares held |
|---|---|---|
| Myloancare Ventures Private Limited | U65100DL2013PTC258637 | |
| PB Financial Account Aggregators Private Limited | U67100HR2022PTC101081 | |
| MLC Finotech Private Limited | U67100HR2022PTC107092 | |
| Icall Support Services Private Limited | U72400HR2008PTC038134 | |
| Visit Internet Services Private Limited | U72900DL2012PTC231178 | |
| PB Marketing and Consulting Private Limited | U74900HR2008PTC038523 |
To see the full group structure of PB Fintech Limited, buy the company report.
Employees & EPFO
PB Fintech Limited has a workforce of 162 employees on its EPFO records as of Apr 05, 2024, across 1 active EPFO establishment.
GST
PB Fintech has 2 GST registrations: 2 active.
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 06AACCE0182A1ZD | Haryana | Active | 01 Jul 2017 |
| 27AACCE0182A1Z9 | Maharashtra | Active | 14 Dec 2017 |
To see the full GST registrations and return filing status of PB Fintech Limited, buy the company report.
Recent activity
PB Fintech Limited has 31 board changes on record since 2008: 21 appointments and 10 cessations. The latest: Jyotsana Vempati Aggarwal was appointed as Director on 11 May 2026.
22 earlier events are in the company report.
News
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Frequently asked questions
PB Fintech is an active public limited company based in Gurgaon, Haryana, India. The company works in online financial services, within the internet industry. It was incorporated on 04 June 2008 (18+ years old) and is registered under CIN L51909HR2008PLC037998. Listed on BSE: 543390 and NSE: POLICYBZR.
PB Fintech reported revenue of ₹6,794.02 Cr for FY 2025-26 (up 36.5% YoY) based on consolidated financials.
PB Fintech has 8 current directors:
- Alok Bansal - Whole-Time Director
- Sarbvir Singh - Whole-Time Director
- Yashish Dahiya - Director
- Kitty Agarwal - Nominee Director
- Veena Vikas Mankar - Director
- Nilesh Bhaskar Sathe - Director
- Dhruv Shringi - Director
- Jyotsana Vempati Aggarwal - Director
The latest financial statements of PB Fintech on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 26 September 2025. Year-wise statements from 2015 are in the company report.
The GSTIN of PB Fintech is 06AACCE0182A1ZD, registered in Haryana. The company has 2 GST registrations in all, of which 2 are active. Other active GSTINs include 27AACCE0182A1Z9 (Maharashtra).
The CIN (Corporate Identification Number) of PB Fintech is L51909HR2008PLC037998. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Yes. PB Fintech is a listed company as per MCA records. Its shares are listed on both BSE (code: 543390) and NSE (symbol: POLICYBZR).
PB Fintech has 13 court cases on record: 9 filed by the company and 4 filed against it. 5 are pending. Most are in the high courts.
PB Fintech was incorporated on 04 June 2008, making it 18+ years old. It is registered with the Registrar of Companies, Haryana.
PB Fintech has 100 deals on record (47 market trades, 41 secondary share transfers, 11 funding rounds), with disclosed funding of ₹3,898.53 Cr; the latest was in July 2026.
Jyotsana Vempati Aggarwal was appointed as Director on 11 May 2026. Gopalan Srinivasan ceased to be Director on 24 Sep 2024. Dhruv Shringi was appointed as Director on 06 Aug 2024. PB Fintech has 31 board changes on record in total.