Incorporated in August 2017, IBL Finance Limited is a technology-driven Non-Banking Financial Company (NBFC) providing digital lending solutions to retail customers through personal loans and to financial institutions through term loans. The Company operates a technology-enabled lending platform supported by digital processes, data analytics and proprietary credit assessment models. These capabilities enable digital customer onboarding, credit evaluation, loan servicing and portfolio monitoring, while the Company focuses on responsible lending, prudent risk management and operational efficiency.

IBL Finance initially focused on providing digital personal loans to self-employed individuals, salaried professionals and small business entrepreneurs. It has subsequently diversified into term lending to financial institutions engaged in retail and MSME lending, thereby broadening its borrower base and geographic presence. The Company continues to focus on technology-led innovation, financial inclusion, disciplined underwriting and sustainable growth.

The Company's equity shares were listed on the NSE Emerge platform in January 2024 following an initial public offering that raised approximately ₹33.50 crore. The Company continues to strengthen its lending franchise through technology, risk management and governance practices, with a focus on creating long-term value for its stakeholders.