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IKF Finance Limited
IKF Finance Limited has over three decades of experience in asset financing, establishing itself as a prominent RBI-registered NBFC in India. The group has evolved into a diversified retail financier, offering products across vehicle finance, MSME loans, and affordable housing finance.
Sector Focus
Finance NBFC
Highest Credit Rating
A+ Stable by CARE
Listing (Debt)
BSE
Date of NBFC License by RBI
1991
Business & Products
MSME Loan, Vehicle Loan, Housing Loan & LAP
Promoter
Mr. VGK Prasad
Chairman
Key Management Personnel
Ms. K Vasumathi Devi
Managing Director
Mr. Debnil Chakravarty
CEO, Ex- ICICI Bank, Citi and South Indian Bank
London Business School alumnus
Mr. Prakash Bhawnani
CFO, CFA & CS, Ex- ICICI Bank, Union Bank, Reliance Industries, Home Credit, and India Shelter Finance Corporation Ltd
Bonds issued by IKF Finance Limited
Financial Performance
| Particulars | 9M FY25 (₹ in cr) | FY24 (₹ in cr) | FY23 (₹ in cr) |
|---|---|---|---|
| NET WORTH | 1798.83 | 988.51 | 880 |
| REVENUE | 406.89 | 660.13 | 437.47 |
| PAT | 65.03 | 107.94 | 76.97 |
| CAR% | 30.86 | 20.86 | 26.50 |
| GNPA% | 2.48 | 2.24 | 2.35 |
| NNPA% | 1.66 | 1.50 | 1.80 |
| GEARING (times) | 2.31 | 3.97 | 3.10 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| CARE RATINGS LIMITED | A+ | Stable | -- |
Top Lenders to IKF Finance Limited
State Bank of India
HDFC Bank
IDBI Bank
Bank of Baroda
DBS
SIDBI
Northern Arc
Strength
Long and established track record of operations
Well-defined credit policy and improving MIS system
Healthy profitability profile
Comfortable capitalization supported by further capital raise in FY23 and FY24
Improving scale of operations
Moderately diversified resource profile with an inclination towards banks
Weakness
Geographical concentration of portfolio
Exposure to high-ticket SME financing and loans to NBFCs
Moderate asset quality characterized by high delinquency in softer buckets
News & Announcement
Important Links
Source:
Investors Presentation, Information Memorandum & Rating Rationale of IKF Finance 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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