Finbud Financial Services Ltd IPO

Strong portfolio and diverse range of Loan products across consumer preferences.

Diversified revenue from multiple locations and geographies of India.

Strategic Partnerships with Banks and NBFCs.

Capital-efficient and scalable business model.

Experienced, aligned, and professional management team.

Our business is heavily reliant on Agent channel sales, which constitute a significant portion of our total revenue. Any disruption to Agent channel sales operations, changes in consumer preferences, or inability to effectively grow our Digital channel sales could have a material adverse effect on our business, financial performance, results of operations, and future growth prospects.

Our company has not complied with certain statutory provisions of the Companies Act. Such non-compliance may attract penalties and other actions against our Company and its Directors which could impact the financial position of us to that extent

Concentration Risk from Dependency on a Few Key Lending Partners May Adversely Affect Our Business.

Our Company has entered into certain related party transactions and may continue to do so in the future.

We do not own the registered office, corporate office including branches from which we carry out our business activities. If there are issues such as non-renewal of rent agreements, disputes regarding the use of these premises, or disruptions in business operations due to actions by our business associates, our business and operational results could be adversely affected.

Our Independent Directors have not passed the online proficiency self-assessment test conducted by Indian Institute of Corporate Affairs to approve proficiency of a person to be appointed as an Independent Director of any company

There are certain pending legal proceedings involving our Company. Any adverse outcome of such proceedings may affect our business, financial condition and reputation.

Our company has experienced delays and defaults in the payment of statutory dues, including taxes, duties, and other government levies.

Our business is subject to seasonality. Lower revenues in the festive period of any Fiscal may adversely affect our business, financial condition, results of operations and prospects.

Our business is critically reliant on partnerships with Banks and Non-Banking Financial Companies (NBFCs) for the distribution of financial products, and any disruption to these relationships or non-compliance with associated contractual obligations could adversely impact our operations, financial performance, and growth prospects.