IBL Finance, a small-cap non-banking financial company (NBFC) with shares priced under ₹100, is generating buzz among investors. The firm recently revealed a significant achievement, reaching ₹100 crore in assets under management (AUM). This milestone was outlined in an official announcement, highlighting the company’s ambitious growth trajectory.

Strategic Collaborations to Enhance Growth

IBL Finance is not resting on its laurels. The company is actively pursuing partnerships with 36 national NBFCs as part of its comprehensive expansion strategy. Such collaborations are expected to bolster its market presence and operational efficiency.

• AUM Progression:
  • FY 2022-23: ₹17.85 crore
  • FY 2023-24: ₹56.18 crore
  • FY 2024-25: ₹104.99 crore

Lending Initiatives to Drive Profitability

In an effort to solidify its position as a reliable lender, IBL Finance has initiated lending to well-established and profitable NBFCs. The company has successfully disbursed ₹154 crore to this initiative, aligning with its long-term vision of becoming a sustainable lender focused on micro, small, and medium enterprises (MSMEs).

An official statement from IBL Finance noted, “By providing loans to NBFCs, we gain valuable insights into diverse retail lending portfolios across various regions. This strategy not only helps lower our cost of credit but also enhances our asset quality.”

Improvements in Asset Quality

IBL Finance has made significant strides in reducing its non-performing assets (NPAs). The figures reflect a downward trend:

• FY 2022-23: 3.94%
• FY 2023-24: 1.90%
• FY 2024-25: 1.99%

Future Plans for Fundraising

To further augment its AUM, IBL Finance is planning to secure additional capital through various debt instruments. This includes:

• Term loans
• Non-convertible debentures (NCDs)
• Bonds
• Commercial papers

Funds will be sourced from banks, financial institutions, and a diverse array of investors, positioning the company for sustained growth.

Stock Performance Insights

As of the latest trading session, IBL Finance shares closed at ₹54, reflecting a decline of 1.82% from the previous close of ₹55. In terms of market performance, the stock reached a 52-week high of ₹91.70 on September 23, 2024, while the lowest point was recorded at ₹45.45 on March 12, 2025. The company’s market capitalization stood at ₹133.55 crore as of the close of trading on May 5.

With a clear vision and strategic plans in place, IBL Finance is poised to continue its upward trajectory in the competitive NBFC landscape. Investors keen on small-cap opportunities should keep a close eye on this evolving company.