Vaibhav Vyapaar (SME)

Minimum Investments

₹2,00,000

Price Range

₹50 - ₹52

Issue Size

₹40.54 Cr

Lot Size

2000shares

This stock belongs to the SME (Small & Medium Enterprises) segment which usually has low liquidity and hence, is also riskier. It will be traded in a lot size of 2000 shares after listing.

Proceeds of this IPO to be used for

Augment the capital base of the company

General corporate purpose

Strengths & Weaknesses

Customer relationship

The company engages with customers through its application and uses its understanding of market and economic trends to assess financial needs across geographies. This helps it offer products suited to customers’ requirements, income patterns and cash flows

Digital lending platform

The company operates “LoanFront,” a digital lending platform used to maintain customer records and track funds disbursed to different borrower categories. The platform is designed in accordance with RBI digital lending guidelines

Risk management

The company uses underwriting models and credit checks to assess borrowers’ creditworthiness and repayment capacity before lending. It monitors its loan portfolio, reviews credit policies and follows up on repayments to manage portfolio quality and default risk

Customer retention risk

The company’s growth depends on attracting new customers, retaining existing ones and increasing AUM by offering relevant financial products and a good customer experience. Failure to meet evolving customer needs or provide attractive terms could lead to customer loss, increased competition and adversely affect business performance

Capital intensive

The company requires substantial funding through debt and equity to meet its capital needs and relies on timely access to financing at suitable terms. Any disruption in funding sources, difficulty meeting debt obligations or delayed customer repayments could adversely affect its financial performance and cash flows

Depend on vendors

The company relies on third-party software vendors and service providers for key functions such as customer verification, credit checks, payments, loan disbursal and collections. Service disruptions, security breaches, errors or regulatory non-compliance by these vendors could delay operations, increase costs and adversely affect business performance

Financials

Income Statement

Also called a profit and loss statement, an income statement shows a company’s income, expenses, and how much profit or loss it has made over a specific accounting period. It provides a clear view of how well the business is running.

Particulars (in Cr)	Mar 2026	Y/Y Change
Operating Revenue	36.80	+46.91%
Other Income	0.84	+180.00%
Total Income	37.64	+48.54%
Total Expenditure	34.48	+41.78%
EBIDT	11.68	+58.48%
Depreciation	1.89	+51.20%
Interest	6.64	+30.45%
Tax	1.18	-362.22%
Net Profit	1.97	+33.11%

Balance Sheet

A balance sheet is a financial statement that details a company’s assets, liabilities, and shareholders’ equity at a given time. It helps assess how financially strong and stable the company is.

Particulars (in Cr)	Mar 2026
Total Current Assets	76.70
Total Non-Current Assets	7.53
Fixed assets	6.93
Total Assets	84.23
Total Current liabilities	47.93
Total Non Current Liabilities	7.11
Total Equity Plus Liabilities	84.23
Total Shareholder Funds	29.19
Total Debt to Equity	160.00%

Cash Flow

Cash flow highlights the cash or cash equivalents moving in and out of a company during a particular period. It provides a clear picture of how well a company manages its cash by tracking its operating, investing and financing activities.

Particulars (in Cr)	Mar 2026
Cash from Operating Activity	-18.44
Cash from Financing Activities	23.60
Cash from Investing Activities	-3.30
Net Cash Flow	1.86

About the Company

Vaibhav Vyapaar was incorporated on February 24, 2009. The company is an RBI-registered NBFC providing unsecured personal loans to salaried and self-employed individuals through a fully digital platform, including direct lending and co-lending. It also offers application and technology services to other NBFCs, using digital tools for customer verification, credit assessment, underwriting, loan disbursal and repayment

Promoter
Itha Venkata Raghava Gowrinath
Promoter
Capfront Technologies Private Limited

FAQs for Vaibhav Vyapaar IPO

Vaibhav Vyapaar IPO refers to the initial public offering of shares by Vaibhav Vyapaar. It is a process by which the company offers its shares to the public for the first time, allowing individuals to become shareholders.

For Vaibhav Vyapaar IPO the issue size is ₹41 Cr. The issue size is the total value of the shares offered to the public. It represents the amount the company aims to raise through the IPO.

For Vaibhav Vyapaar IPO the minimum investment is ₹2.0 L. The minimum investment for Vaibhav Vyapaar IPO is the smallest amount an individual can invest to participate in the offering. It is usually determined by the company and regulatory requirements.

For Vaibhav Vyapaar IPO the lot size is 2000 shares. The lot size of Vaibhav Vyapaar IPO refers to the number of shares that investors need to bid for and purchase in a single transaction. It is predetermined by the company and regulators.

To apply for Vaibhav Vyapaar IPO on PhonePe Invest, go to the home page section and click/press on the browse IPOs section to view the open and upcoming IPOs. Select the Vaibhav Vyapaar IPO from the list and click on apply now. Place your bids or choose the Cut-off Price option. Enter your UPI ID and set up your mandate to place your application.

Yes, investors can often pre-apply for some of the IPOs. Pre-application allows individuals to express their interest in participating in the IPO before the official subscription period begins. To pre- apply for Vaibhav Vyapaar IPO on PhonePe Invest, go to the home page section and click/press on the browse IPOs section to view the open and upcoming IPOs. Select the Vaibhav Vyapaar IPO from the list and click on pre-apply now. Once the IPO opens for subscription you can enter your UPI ID and set up your mandate to place your application.

The IPO application window typically remains open for 3 days, starting from the date of the IPO opening. However, this duration can vary depending on the specific IPO and the regulatory requirements.

You can apply for the IPO till 3 PM on the last day of application on PhonePe Invest.

For Vaibhav Vyapaar IPO the allotment date is 16 Oct 2026. The allotment date of Vaibhav Vyapaar IPO is the date on which shares are allocated to the successful bidders. It marks the distribution of shares to investors.

For Vaibhav Vyapaar IPO, the subscription opens on 13 Oct 2026 and closes on 15 Oct 2026. The open and close dates of an IPO indicate the period during which investors can submit their bids to participate in the offering.