Vaibhav Vyapaar Limited
Key dates
Issue reservation
₹42 CrLot ladder — how much to bid
1 lot = 2000 sharesIssue details
Share-wise
by category| Category | Book Size | Subscription | No. of Times |
|---|---|---|---|
| QIB (Ex. Anchor) | 14,94,000₹8.07 Cr | 16,34,000₹8.82 Cr | 1.09× |
| HNI | 11,16,000₹6.03 Cr | 48,32,000₹26.09 Cr | 4.33× |
| HNI (10L+) | 7,44,000₹4.02 Cr | 39,36,000₹21.25 Cr | 5.29× |
| HNI (2-10L) | 3,72,000₹2.01 Cr | 8,96,000₹4.84 Cr | 2.41× |
| Retail | 25,96,000₹14.02 Cr | 39,96,000₹21.58 Cr | 1.54× |
| Total | 52,06,000₹28.11 Cr | 1,04,62,000₹56.49 Cr | 2.01× |
*QIB Book Size EXCLUDES the anchor portion of 22,00,000 shares, from the actual anchor allotment.
Application-wise
| Category | Req 1× | Total | Times |
|---|---|---|---|
| HNI (10L+) | 37 | 178 | 4.81× |
| HNI (2-10L) | 62 | 136 | 2.19× |
| Retail | 649 | 999 | 1.54× |
Total applications: 1,313
Subscription Demand
in ₹ crore| Category | Applied |
|---|---|
| QIB | 8.82 |
| FIIs | 2.00 |
| Others | 6.83 |
| HNI | 26.09 |
| HNI (10L+) | 21.25 |
| HNI (2-10L) | 4.84 |
| Retail | 21.58 |
| Total | 56.49 |
Amounts at the upper band (₹54). Times figures are computed from the shares this page shows so Book × Times = Subscribed always cross-checks.
Particulars | FY26 | FY25 | FY24 |
Total Assets | 84.23 | 55.04 | 61.18 |
Total Income | 37.64 | 25.34 | 25.46 |
PAT | 1.97 | 1.48 | 0.45 |
Net Worth | 29.19 | 27.22 | 25.74 |
Reserves & Surplus | 21.14 | 23.19 | 21.71 |
Total Borrowings | 46.8 | 22.66 | 26.76 |
Capital Augmentation: Approximately ₹32 crore allocated to strengthen capital adequacy and expand the digital personal lending portfolio.
General Corporate Purposes: Funds for operational expenses, business activities, and strategic requirements.
Issue Expenses: Funds to cover IPO-related costs and fees.
Incorporated in February 2009, Vaibhav Vyapaar Limited is a Non-Banking Financial Company (NBFC) offering unsecured personal loans to salaried and self-employed individuals through its digital lending platform, LoanFront. Its services include direct and co-lending, digital loan processing, credit assessment, and technology solutions for other NBFCs, primarily serving borrowers across urban and semi-urban India.
Acquired by CapFront Technologies Private Limited in October 2019, the Company has expanded its technology-driven lending operations. As of July 31, 2026, it reported Assets Under Management (AUM) of ₹812.41 crore, net worth of ₹471.96 crore, and a debt-to-equity ratio of 0.80. The Company had 56 employees across technology, operations, risk, and other functions, supported by an experienced management team.
Company strengths
Technology-enabled digital lending platform with end-to-end loan processing capabilities.
Focus on underserved segments and first-time borrowers.
Strong understanding of target markets and customer needs.
Diversified lending operations through direct lending and co-lending partnerships.
Disciplined credit underwriting practices and robust risk management framework.
Promoters
Registered office & contact
Vaibhav Vyapaar Limited.
Address - Arch Square-X2, Unit-1406
14th Floor, EP-GP Block, Sector V, Bidhannagar
Bidhan Nagar CK Market, North 24 Parganas, Saltlak
Kolkata, West Bengal, 700091
📞 9986611345
✉️ investors@vaibhavvyapaar.com
Filed with SEBI / the exchange by the issuer. Opens on the issuer's or the regulator's site.
What is the minimum investment in the Vaibhav Vyapaar Limited IPO?
One lot of 2000 shares — ₹2,16,000 at the upper price band of ₹54.
How many bids can I place?
Up to 3 bids per application. Retail applications are capped at ₹2,00,000; above that you must apply in the HNI category.
When are the funds debited?
Funds are blocked via a UPI mandate at application and debited only on allotment. If shares are not allotted, the block is released automatically.
When will the shares list?
Tentative listing on 2026-10-21 on NSE SME.