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Finnable Credit Private Limited
Finnable Credit Private Limited (FCPL) was incorporated on August 12, 2015, and received its NBFC registration from the Reserve Bank of India (RBI) as a Base Layer NBFC. The company provides unsecured personal loans targeting salaried individuals through a fully digital platform with quick turnaround and paperless processing.
Sector Focus
Finance (NBFC)
Highest Credit Rating
BBB+ Stable by CARE
Listing (Debt)
BSE
Date of NBFC License by RBI
2017
Business & Products
Lending - loans for salaried individuals
Promoter
Mr. Nitin Gupta
Mr. Amit Arora
Key Management Personnel
Mr. Nitin Gupta
Co-Founder & CEO
Mr. Amit Arora
Co-Founder & Director
Bonds issued by Finnable Credit Private Limited
Financial Performance
| Particulars | H1 FY26 (₹ in cr) | FY25 (₹ in cr) |
|---|---|---|
| AUM | 3110 | 2757 |
| NET WORTH | 532.77 | 272.83 |
| REVENUE | 65.56 | 35.10 |
| PAT | 9.36 | (0.28) |
| CAR% (Tier 1) | 47.60 | 33.62 |
| GNPA% | 0.28 | 0.15 |
| NNPA% | 0.04 | 0.01 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| CARE Ratings | BBB+ | Stable | as on 30th September, 2025 |
Top Lenders to Finnable Credit Private Limited
AU Small Finance Bank
IDFC First Bank
Northern Arc
Oxyzo Financial Services Limited
Strength
Increase in scale of operations driven by technology led underwriting model
Adequate capitalisation levels
Experienced founders and management team
Asset Quality – Healthy but yet to be tested across multiple cycles
Weakness
Moderate track record of operations
Moderate-but-improving profitability
Concentrated resourced profile with higher cost of funds
Regulatory risk related to the digital lending space
Source:
Investor Presentation, Information Memorandum & Rating Rationale of Finnable Credit Private Limited
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India Bond Private Limited
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
Registered Address: 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz - (East), Mumbai – 400 098.
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