Incorporated in 2009, Vaibhav Vyapaar Limited is a non-banking financial company (NBFC) registered with the Reserve Bank of India (RBI). The company provides unsecured personal loans to salaried and self-employed individuals through its digital lending platform, operating on both direct lending and co-lending models.
The company offers personal loan products under the “LoanFront” brand through its mobile application, “LoanFront – Personal Loan App”, which enables end-to-end digital loan origination, underwriting, documentation, disbursement, and repayment. Its technology-driven infrastructure utilizes digital verification and automated credit assessment tools to support lending decisions and risk evaluation.
In addition to lending activities, Vaibhav Vyapaar generates revenue by providing application and technology services to other NBFCs. The company focuses on serving retail borrowers, including first-time borrowers and lower-income salaried professionals, across urban and semi-urban regions of India.
As of March 31, 2026, the company had assets under management (AUM) of ₹70.68 crore, a net worth of ₹27.22 crore, and a debt-to-equity ratio of 1.60. The company employed 55 personnel and leverages digital payment channels, including UPI and payment gateways, to facilitate customer repayments.
| Purpose | Amount (₹ Cr) |
|---|---|
| Augment the capital base of the company | ₹32 |
| General Corporate Purpose | — |
| Metric | 31 Mar 2026 | 31 Mar 2025 | 31 Mar 2024 |
|---|---|---|---|
| Total Assets | 84 | 55 | 61 |
| Revenue | 38 | 25 | 25 |
| PAT | 2 | 1 | 0 |
| EBITDA | 11 | 7 | 5 |
| Net Worth | 29 | 27 | 26 |
| Reserves | 21 | 23 | 22 |
| Total Borrowing | 47 | 23 | 27 |
| Category | Sub (x) | Offered | Bid For |
|---|---|---|---|
| QIB | 1.61 | 1,494,000 | 2,398,000 |
| NII / HNI | 6.65 | 1,116,000 | 7,420,000 |
| Retail (RII) | 2.70 | 2,596,000 | 7,004,000 |
| Market Maker | — | 390,000 | — |
| Total | 3.23 | 5,206,000 | 16,822,000 |
* Amount calculated at upper price band (₹54) · ** Total includes all investor categories
- 1 Initiation of Refund 19 Oct 2026
- 2 Credit of Shares to Demat 19 Oct 2026
- The IPO P/E of 16x reflects a good valuation relative to typical market ranges.
- Pre-issue EPS of ₹1 compares to post-issue EPS of ₹3 after dilution.
This IPO has relatively lower interest or stretched valuation. Proceed with thorough research and caution.
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