| Category | Sub (×) | Offered | Bid For |
|---|---|---|---|
| QIB | — | Not more than 50% of the Offer | — |
| NII / HNI (Total) | — | Not less than 15% of the Offer | — |
| Retail Investors | — | Not less than 35% of the Offer | — |
| Market Maker * | 1× | — | — |
| Total ** | — | — | — |
| Metric | 31 Mar 2026 | 31 Mar 2025 | 31 Mar 2024 |
|---|---|---|---|
| Revenue | 85.70 | 71.37 | 63.78 |
| PAT | 21.63 | 18.13 | 12.15 |
| EBITDA | 65.62 | 52.25 | 41.60 |
| Net Worth | 179.92 | 158.24 | 105.08 |
| Total Assets | 588.98 | 361.86 | 300.52 |
| Reserves | 96.62 | 74.99 | 41.11 |
| Borrowings | 388.22 | 187.80 | 182.42 |
Incorporated in September 2015, IFL Finance Limited is a non-deposit taking, non-banking financial company (NBFC-ICC) registered with the Reserve Bank of India (RBI), primarily engaged in providing secured retail loans with a strong focus on gold loans. The company also offers home loans and loans against property (LAP), catering to the financing needs of individuals, self-employed professionals, small business owners, traders, and borrowers in the informal sector. Following its transition from a housing finance company to an NBFC-ICC in 2025, the company strategically shifted its focus towards expanding its gold loan portfolio.
As of March 31, 2026, the company operated 88 branches across Delhi, Rajasthan, Madhya Pradesh, Uttar Pradesh, and Haryana, serving over 33,000 active borrowers. Gold loans accounted for 84.77% of its total loan portfolio, supported by technology-enabled operations, streamlined loan processing, disciplined risk management, and a customer-centric approach. The company has witnessed strong growth in its loan book, driven by secured lending, efficient underwriting practices, and an expanding branch network.
Led by an experienced management team headed by Mr. Gopal Bansal, a Chartered Accountant with over 23 years of experience in finance and lending, IFL Finance combines strong asset quality, prudent credit assessment, and technology-driven operations to deliver formal credit solutions efficiently.
As of March 31, 2026, the company employed 328 professionals across sales, collections, operations, audit, finance, IT, administration, and management functions.
Strengths