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Total Issue Size
Fresh Issue + Offer For Sale
Fresh Issue (FI)
Proceeds go to the company
Offer For Sale (OFS)
Proceeds go to the existing investors
Capital base expansion
Augmenting the capital base of the company to meet future capital requirements and asset growth.
General corporate purposes
Funding routine operational expenditures and general corporate needs.
(₹ in Crore)
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Vaibhav Vyapaar Limited is an RBI registered Non Banking Financial Company (NBFC) specializing in digital retail credit solutions. Operating under its flagship mobile application LoanFront, the company provides unsecured personal loans to salaried employees, self employed professionals, and first time digital credit applicants across India. The organization manages the complete digital credit lifecycle, incorporating algorithmic underwriting, automated e-KYC verification, credit risk evaluation, and digital disbursement and collection flows. Alongside direct balance sheet lending, Vaibhav Vyapaar enters into co-lending agreements with institutional financial partners and earns platform service fees by licensing its proprietary digital lending architecture. Headquartered in Kolkata with key operations managed from Bengaluru, the company relies on automated credit assessment algorithms and technology integrations. Its primary revenue streams comprise interest income from retail loan portfolios, loan processing and servicing fees, and technology platform fees from partner financial institutions.
Ahead of opening, the company raised ₹11.88 crore from anchor investors at ₹54 per share across 22,00,000 equity shares, with key institutional allocations to Getfive Opportunity Fund-I, Tiger Strategies Fund - I, Moneywise Financial Services, and Invicta Continuum Fund.
Source: RHP • Analysis provided for informational purposes
Last Updated: 9 October 2026, 6:50 PM
Proprietary digital credit infrastructure
The LoanFront mobile platform drives end to end digital credit workflows, supporting rapid underwriting and low friction onboarding.
Algorithmic underwriting and data analytics
Direct digital borrower touchpoints yield granular analytics, enabling credit evaluation calibrated for underserved retail segments.
Diversified revenue channels
In addition to net interest margins, the company collects technology licensing and platform service fees from institutional partners.
Sensitivity to interest rate movements
Fluctuations in benchmark interest rates could narrow net interest margins and affect borrowing demand in retail loan categories.
Geographic concentration risk
A significant concentration of loan originations in specific southern states exposes portfolio performance to regional macro trends.
Cybersecurity and technical dependencies
Operating as a purely digital lender leaves operations vulnerable to IT outages, cyber threats, or data security incidents.
Vaibhav Vyapaar Limited
Arch Square-X2, Unit-1406, 14th Floor, EP-GP Block, Sector V, Bidhannagar, Salt Lake City, Kolkata, West Bengal, 700091
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