FINNABLE CREDIT PRIVATE LIMITED

ISIN: INE14H407116

YTM Icon11.50%
YTM
₹ 9,978.86
Min Investment
Monthly
Payout
₹ 10,000
Face Value
11.00%
Coupon
26 Aug 2028
Maturity Date
Currently subscribedLot Size : 50 Units available
0% Completed

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About The Issuer

Finnable Credit Private Limited (FCPL) is a fintech-driven NBFC focused on providing unsecured personal loans to salaried professionals and emerging middle-income borrowers in India. The company operates through a fully digital lending platform and partnerships with fintech distribution channels. Founded in 2015 and headquartered in Bengaluru, Finnable leverages data-driven underwriting models and digital onboarding to deliver quick turnaround consumer credit products. The company primarily offers short-tenor personal loans and consumer financing products with digital sourcing and servicing infrastructure. Its lending strategy focuses on prime and near-prime salaried customers in urban markets while maintaining risk controls through analytics-based credit assessment.

Metric
FY25
Loan Book / AUM (₹ cr)
~3110
Net Worth (₹ cr)
~510
CRAR (%)
40
On-Book Gearing (x)
0.76x
Return on Managed Assets (%)
1.63%
💡Issuer Health Summary

Key financial indicators to assess stability & repayment capacity.

Key Risks & Disclosures

Unsecured Lending Exposure:The company’s portfolio primarily consists of unsecured personal loans to salaried borrowers, making it sensitive to economic downturns, employment shocks, and consumer credit cycles.
Asset Quality Sensitivity:Digital lending portfolios may experience volatility in delinquencies during economic stress periods due to borrower profile concentration.
Funding Concentration:Growth depends on wholesale borrowings, NCD issuances, and institutional funding sources. Liquidity tightening could impact expansion.
Competitive Digital Lending Market:Competition from fintech lenders, banks, and NBFCs in the unsecured personal loan segment may exert pressure on yields and borrower acquisition costs.
Regulatory Risk:RBI guidelines on digital lending, data privacy, and customer protection could impact underwriting models and operational processes.

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Trade & Settlement

Trade date
16 Apr 2026
Orders placed after 4 PM will be executed on the next business day.Weekends & exchange holidays are skipped.

Totals (For Selected Units)

Price per Unit
₹9,978.86
Investment amount
₹9,978.86
Total Interest
₹2,017.86
Total Receivable
₹12,017.86

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