IBL Finance share price & results
- Mar 2026
- Mar 2026
Surat-based, technology-driven NBFC lending digitally to self-employed/salaried individuals and to MSMEs via institutional tie-ups with other NBFCs, MFIs and HFCs.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 9.0 | +27.0% YoY | Quarterly, as filed | Quarter to Mar 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Mar 2026 | Not in the filed figures for the quarter to mar 2026. No older figure is substituted. | ||
| Net profit | 1.2 | +20.0% YoY | Quarterly, as filed | Quarter to Mar 2026 | Profit after tax as filed. |
| Return on equity | −0.0 pts | Trailing twelve months | TTM · period unavailable | Not in the analysed materials. No older figure is substituted. | |
| Free cash flow margin | Fiscal year | FY ending Mar 2026 | Not in the analysed materials. No older figure is substituted. | ||
| Revenue growth (YoY) | +40.7 pts | Trailing twelve months | TTM · period unavailable | Not in the analysed materials. No older figure is substituted. |
Price
Performance −9.2% 1Y
1Y: ₹67.85 on 24 Oct 2025 → ₹61.6. High ₹70.85 (10 Dec 2025), low ₹45.15 (2 Feb 2026).
- Previous close
- ₹61.55
- Market cap
- ₹151 Cr
- 52-week range
- ₹45.15 – ₹70.85
- One year
- −9.35%
- Price to earnings (FY ending Mar 2026)
- 61.89×
- Return on equity (FY ending Mar 2026)
- 4.07%
Overview
- Symbol
- NSE:IBLFL
- Sector
- Financial Services
- Exchange
- NSE
- Currency
- INR
What IBL Finance Ltd does
Based on the company's own presentations, annual report and earnings calls.
IBL Finance Limited is a non-deposit-taking Base Layer NBFC that runs a 'Phygital' lending model combining a fully digital mobile-app loan process with on-ground service. It offers small-ticket digital personal loans (up to INR 50,000, disbursed within 30 minutes) to self-employed and salaried customers, and larger MSME/institutional loans (up to INR 5 crore) to NBFCs, MFIs and HFCs for onward lending. During FY25 it also launched Secured Non-Convertible Debentures as a funding instrument.
Segments
- Digital Personal Loans
- MSME / Financial Institution (FI) Lending
- Assets Under Management (AUM)
- INR 105 Cr
- Cumulative disbursement (since inception)
- INR 255 Cr
- Cumulative loans disbursed
- 1.86 Lakh+
- NBFC partner network (institutional lending)
- 36+
- States/UTs covered (loan portfolio)
- 10 (Maharashtra, Rajasthan, Delhi/NCR, Uttar Pradesh, West Bengal, Gujarat, Punjab, Karnataka, Tamil Nadu, Rest of India)
- Secured share of loan portfolio
- 88%
Fundamentals
Ratios, each with its period
Current values with the period they cover; the trend reads across the 6 fiscal years held (Mar 2021 to Mar 2026).
Financials
What the filings say
Net profit, year on year: +20% (quarter to mar 2026 against mar 2025).
| Line item | Sept 2022 | Sept 2023 | Mar 2024 | Sept 2024 | Mar 2025 | Sept 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Sales | 6 | 7 | 8 | 6 | 7 | 8 | 9 |
| Expenses | 4 | 5 | 6 | 3 | 3 | 4 | 4 |
| Other income | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 1 | 2 | 3 | 3 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1 | 2 | 1 | 2 | 1 | 2 | 2 |
| Tax rate | 25.9% | 21.3% | 29.1% | 22.3% | 19.2% | 26.2% | 21.1% |
| Net profit | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| EPS (₹ per share) | 2.64 | 0.73 | 0.38 | 0.55 | 0.40 | 0.50 | 0.49 |
| Line item | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sept 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity capital | 3 | 9 | 25 | 25 | 25 | 25 |
| Reserves | 0 | 12 | 32 | 34 | 35 | 36 |
| Borrowings | 6 | 0 | 5 | 44 | — | 58 |
| Other liabilities | 0 | 2 | 5 | 10 | 8 | 11 |
| Total liabilities | 10 | 22 | 66 | 113 | 105 | 130 |
| Fixed assets | 0 | 0 | 2 | 2 | 2 | 2 |
| Capital work in progress | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Other assets | 10 | 22 | 65 | 111 | 104 | 128 |
| Total assets | 10 | 22 | 66 | 113 | 105 | 130 |
| Line item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Cash from operations | -1 | -6 | -8 | -31 | -46 | -3 |
| Cash from investing | 1 | 0 | -0 | -2 | -1 | -1 |
| Cash from financing | 0 | 6 | 8 | 36 | 44 | 5 |
| Net cash flow | -0 | 1 | -0 | 4 | -2 | 1 |
| Free cash flow | -1 | -6 | -8 | -32 | -47 | -4 |
| Line item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Return on equity | −3.1% | 12.9% | 16.9% | 5.9% | 4.1% | 4.1% |
| Dividend payout | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Ownership
Who owns it
Promoters hold 63.20% as of Mar 2026; institutions added 0.00 pts since Sept 2025.
- Promoters 63.20%
- Foreign institutions 0.00%
- Public 36.80%
Who bought this quarter
since Sep 2025
Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.
- +3.23 pp 5.52% held
- newly disclosed 1.03% held
- +0.10 pp 1.34% held
The same filing shows 0 holders trimming and 1 off the list — both are in the register beside this.
Who is on the register
Named in the Mar 2026 filing
Every holder of IBL Finance Ltd above SEBI's 1% disclosure line, and what changed since Sep 2025.
| Holder | Stake | Change |
|---|---|---|
| 11.81% | unchanged | |
| 11.24% | unchanged | |
| 7.89% | unchanged | |
| 7.85% | unchanged | |
| 7.41% | unchanged | |
| 5.73% | unchanged | |
| 5.52% | +3.23 pp | |
| 3.85% | unchanged | |
| 3.28% | unchanged | |
| 3.23% | unchanged | |
| 2.69% | unchanged | |
| 1.35% | unchanged |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
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