amit@unlistedkraft.in
+91-9599071664
+91-9599071664
IKF Finance Limited Unlisted Shares
DRHP Status : Not Filed
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Fundamentals About IKF Finance Limited
Downloads & Investor Documents
All documents are provided for informational purposes and are subject to regulatory disclosures.
Key Financials of IKF Finance Limited
| P&L Statement | 2023 | 2024 | 2025 |
|---|---|---|---|
| Interest Earned | 366 | 567 | 775 |
| Other Income | 12 | 19 | 98 |
| Interest Expended | 192 | 285 | 420 |
| Operating Expenses | 98 | 144 | 213 |
| Provisions and contingencies | 6.2 | 20 | 49 |
| PAT | 62 | 102 | 143 |
| EPS | 9.61 | 14.55 | 20.38 |
| Gross NPA | 2.83 | 2.35 | 2.24 |
| Net NPA | 2.25 | 1.8 | 1.5 |
| Financial Ratios | 2023 | 2024 | 2025 |
|---|---|---|---|
| Advances | 2689 | 4143 | 5695 |
| Book Value | 113.41 | 134.96 | 155.26 |
| P / B | 3.75 | 3.15 | 2.74 |
| ROE (%) | 8.48 | 10.78 | 13.13 |
| Assets | 2023 | 2024 | 2025 |
|---|---|---|---|
| Fixed Assets | 6 | 3.5 | 5 |
| Cash and Balances | 339 | 83 | 320 |
| Investments | 213 | 125 | 14 |
| Advances | 2689 | 4143 | 5695 |
| Other Assets | 97 | 126.5 | 216 |
| Total Assets | 3344 | 4481 | 6250 |
| Liabilities | 2023 | 2024 | 2025 |
|---|---|---|---|
| Share Capital | 64.5 | 70.1 | 70.15 |
| FV | 10 | 10 | 10 |
| Reserves | 667 | 876 | 1019 |
| Borrowings | 2397 | 3384 | 4856 |
| Deposits | 0 | 0 | 0 |
| Other Liabilities | 481.5 | 150.9 | 304.85 |
| Total Liabilities | 3610 | 4481 | 6250 |
About Company
IKF Finance Limited, established in 1991 and headquartered in Andhra Pradesh, is an RBI-registered, non-deposit-taking NBFC specializing in vehicle and SME financing across nine Indian states. As an unlisted entity (delisted in 2015), it offers investment opportunities through unlisted shares, supported by strong financial growth (₹142.82 cr profit in FY25) and a focus on rural/semi-urban financial inclusion
The following table shows a 10-point analysis of IKF Finance Limited. We will discuss each point in detail after this table.
| Parameter | Key Numbers | Insights |
|---|---|---|
| Business Overview | Established 1991 · NBFC | A non-banking financial company primarily engaged in vehicle financing and MSME lending, serving underserved borrower segments across India. |
| Industry & Market Position | 165+ branches across India | Strong presence in South India with expanding footprint in western and central states through branch network expansion. |
| Loan Portfolio | Vehicle finance 78% · SME finance 22% | The majority of the lending portfolio consists of secured vehicle loans, which generally carry relatively lower credit risk. |
| Customer Reach | 2 lakh+ customers served | The company has built a large borrower base including small transport operators and first-time vehicle buyers. |
| Assets Under Management | ₹3,775+ crore AUM (FY24) | Rapid expansion in loan book supported by increasing demand for vehicle and MSME financing. |
| Revenue Growth Trend | FY24 revenue about ₹586 crore | Revenue growth supported by strong disbursement growth and expansion of the lending portfolio. |
| Profitability | FY24 PAT about ₹76.97 crore | Healthy profitability supported by interest income growth and efficient portfolio management. |
| Asset Quality | GNPA ~2.35% · NNPA ~1.80% | Asset quality remains stable, reflecting disciplined underwriting and risk management practices. |
| Management & Governance | Promoter-led NBFC | Led by experienced promoters with decades of experience in financial services and asset financing. |
| Future Outlook | Expansion of loan portfolio | Continued branch expansion and technology-driven lending are expected to support long-term growth. |
Company Overview
(i) IKF Finance Limited is a non-banking financial company headquartered in Hyderabad, providing credit solutions primarily focused on vehicle financing and MSME lending.
(ii) The company was incorporated in 1991 and has grown over three decades to become a recognized NBFC serving underserved borrowers including small transport operators and first-time vehicle buyers.
(iii) IKF Finance offers a diversified lending portfolio including commercial vehicle loans, used car loans, tractor loans, construction equipment finance, and MSME loans.
(iv) The company operates through a network of 165+ branches across multiple Indian states, with strong presence in southern India and expansion into western and central regions.
(v) IKF Finance also operates a subsidiary, IKF Home Finance, which focuses on home loans, loan-against-property, and refinancing solutions.
Challenges in IKF Finance Limited’s Business
- Exposure to vehicle financing segment: A significant portion of the company’s loan book is linked to vehicle finance, making the portfolio sensitive to economic cycles and transportation sector demand.
- Regulatory framework for NBFCs: NBFCs operate under regulatory oversight of the Reserve Bank of India, and regulatory changes may impact capital requirements and lending practices.
- Asset quality management: Maintaining low non-performing assets is critical in lending businesses, particularly when expanding the loan portfolio aggressively.
Financial Review of IKF Finance Limited
Here are some highlights of the financial performance of IKF Finance Limited over the past few years.
FY25 Performance
• Total income increased to about ₹873 crore.
• Profit after tax grew to around ₹143 crore.
• Loan book expanded to approximately ₹5,694 crore.
• Earnings per share improved to about ₹20.36.
FY24 Performance
• Revenue increased to around ₹586 crore.
• Net profit stood at approximately ₹76.97 crore.
• Assets under management crossed ₹3,775 crore.
• Net NPAs remained low at around 1.80%.
FY23 Performance
• Total income reported around ₹287 crore.
• Net profit stood at about ₹50 crore.
• Total assets were approximately ₹2,763 crore.
• Net NPA recorded around 2.25%.
Quick Summary
IKF Finance Limited is a well-established NBFC with more than three decades of experience in vehicle and MSME financing. The company has built a strong customer base through its branch network and secured lending approach, positioning it for steady growth in India’s expanding credit market.
Click Here to visit the official website of IKF Finance Limited.
Promoters of IKF Finance Limited
The following are the active promoters/leadership associated with the company:
| Name | Designation | LinkedIn Profile |
|---|---|---|
| V. G. K. Prasad | Chairman | View Profile |
| K. Vasumathi Devi | Managing Director | - |
Shareholding Pattern of IKF Finance Limited
| Name | Holding |
|---|---|
| Vupputuri Gopala Kishan Prasad | 27.98% |
| India Business Excellence Fund-IIA | 18.39% |
| Vistra ITCL (India) Limited | 11% |
| Accion Digital Transformation Fund | 7.87% |
| Teachers Insurance And Annuity Association Of America | 7.87% |
| Other | 26.88% |
Promoters of IKF Finance Limited
| Name | Designation | Experience | Linkedin Profile |
|---|---|---|---|
| Vasumathi Devi Koganti | Managing Director | 25+ |  |
| V.G.K Prasad | Chairman | 30+ | |
| Ch.Sreenivasa Rao | CFO | 25+ | |
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Frequently Asked Questions
IKF Finance Limited unlisted shares are equity shares of IKF Finance Limited that are not listed on NSE or BSE and are traded privately in the unlisted share market.
Yes, investors can buy IKF Finance Limited unlisted shares through private market platforms that facilitate transactions in unlisted securities.
Yes, an active demat account is required to receive and hold IKF Finance Limited unlisted shares.
Yes, IKF Finance Limited unlisted shares can be sold in the private market before a potential IPO depending on buyer availability.
Yes. If IKF Finance Limited gets listed in the future, pre-IPO investors are generally subject to a six-month lock-in period after listing as per SEBI regulations.
If IKF Finance Limited shares are held for more than two years, gains are taxed at 20% with indexation. If sold earlier, gains are treated as short-term capital gains and taxed according to the investor’s income slab.
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