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Vaibhav Vyapaar IPOUPCOMING
Vaibhav Vyapaar Limited is an RBI-registered NBFC providing unsecured personal loans through its digital lending platform, LoanFront, serving salaried and self-employed individuals across India. As of July 2026.
Opens
13 Oct 26Closes
15 Oct 26Allotment
16 Oct 26Refund
19 Oct 26Demat
19 Oct 26Listing
21 Oct 26Bidding opens
in 2 days
13 – 15 Oct
Bids until 4:00 PM on the closing day.
Overview
Price band
₹51-54
Lot size
2000 shares
Min. investment
₹2,16,000
Issue size
₹42.10 Cr
77.96 L shares
Fresh issue
₹42.1 Cr
77.96 L shares
Face value
₹5 / share
Issue type
Book Built Issue
Listing at
NSE
Reservation
| Category | Shares offered | % of issue |
|---|---|---|
| Market Maker | 3,90,000 | 5% |
| Anchor Investor | 22,00,000 | 28.22% |
| QIB | 14,94,000 | 19.16% |
| NII (HNI) | 11,16,000 | 14.32% |
| B-HNI | 7,44,000 | 9.54% |
| S-HNI | 3,72,000 | 4.77% |
| Individual | 25,96,000 | 33.3% |
| Total | 77,96,000 | 100% |
Lot size & investment
| Application | Lots | Shares | Amount |
|---|---|---|---|
| Retail (Min) | 2 | 4,000 | ₹2,16,000 |
| Retail (Max) | 2 | 4,000 | ₹2,16,000 |
| S-HNI (Min) | 3 | 6,000 | ₹3,24,000 |
| S-HNI (Max) | 9 | 18,000 | ₹9,72,000 |
| B-HNI (Min) | 10 | 20,000 | ₹10,80,000 |
Vaibhav Vyapaar Live GMP
Not enough GMP history yet to draw a trend.
Subscription
Live category-wise bids appear here once bidding opens on 13 Oct 26. Reserved share of the issue:
Financials
(₹ in crores)
Key performance indicators
As of 31 Jul 2026ROE
7.87%
PAT Margin
16.7%
ROCE
12.44%
EBITDA Margin
41.72%
Debt to Equity Ratio
0.8
Price to Book Value
2.25
RoNW
6.37%
Valuation vs listed peers
EPS Pre IPO
₹0.97
EPS Post IPO
₹3.2
P/E Pre IPO
53.61
P/E Post IPO
16.25
Buzz AI analysis
From this IPO's filings and market data · educational, not investment advice
Revenue growth FY24 → FY26
+47.8%
Profit growth FY24 → FY26
+337.8%
ROCE
12.44%
- PAT margin 16.7% and ROCE 12.4%.
Strengths & risks
- Digital Lending Platform with the LoanFront app.
- Strong Customer Base with 86 lakh registered users.
- High Repeat Borrowers contributing around 75% of the loan portfolio.
- AUM Growth of 48.95% in FY2026.
- Multiple Revenue Streams through direct lending, co-lending and technology services.
Buzz score · Watch
From GMP, subscription and issue size
Objects of the issue
| Purpose | Amount (₹ Cr) |
|---|---|
| Augment the capital base of the company. | 32 |
| General Corporate Purposes. | - |
Company & documents
Vaibhav Vyapaar Limited is an RBI-registered Non-Banking Financial Company (NBFC) engaged in providing unsecured personal loans to salaried and self-employed individuals through its digital lending platform, “LoanFront.”
Incorporated in February 2009, the company offers technology-enabled lending services covering customer onboarding, KYC verification, credit assessment, underwriting, loan disbursement and repayment management. Its services primarily cater to retail borrowers across urban and semi-urban regions of India.
The company operates through direct lending and co-lending arrangements with other NBFCs and also generates revenue by providing application and technology services to financial institutions. Its loan offerings range from ₹1,500 to ₹2 lakh, with repayment tenures of 3 to 24 months, depending on the borrower category. Following its acquisition by Capfront Technologies Private Limited in October 2019, the company expanded its digital lending operations.
As of March 31, 2026, the LoanFront platform had approximately 86 lakh registered users and had disbursed around 24 lakh loans to 5 lakh customers. By June 2026, the application had recorded over 1.14 crore downloads and ₹1,500 crore in cumulative loan disbursements.
As of July 31, 2026, the company reported AUM of ₹81.24 crore. Its lending operations span multiple Indian states, with a significant presence in Tamil Nadu, Karnataka, Telangana, Andhra Pradesh and Maharashtra.
As of July 31, 2026, the Company had 56 employees, including 17 employees in technology, 11 in operations and 11 in risk functions.
Registrar
Company contact
Vaibhav Vyapaar Limited
Arch Square-X2, Unit-1406 14th Floor, EP-GP Block, Sector V, Bidhannagar Bidhan Nagar CK Market, North 24 Parganas, Saltlak, Kolkata, West Bengal, 700091
Phone: 9986611345
Email: investors@vaibhavvyapaar.com
Book running lead managers
- GetFive Advisors Pvt. Ltd.
Promoters
- Itha Venkata Raghava Gowrinath
- CapFront Technologies Pvt.Ltd.