Figures last updated 21 Oct 2026, 9:30 AM IST · How we work · Report an error
What the company does and where it sits in its industry
Vaibhav Vyapaar is a non-banking financial company registered with the Reserve Bank of India that primarily provides unsecured personal loans to salaried and self-employed individuals. The company operates a fully digital lending platform, extending credit both on a direct lending and co-lending basis. In addition to its core lending operations, the company generates revenue by offering its proprietary application and technology services to other non-banking financial companies. The business operates through a technology-driven model that facilitates credit access using a paperless, scalable, and customer-centric process. Through its digital lending application, LoanFront, the company offers a range of financial services, including instant personal loans and specialized salaried loans. By focusing on technology integration and digital onboarding, the company streamlines the entire loan lifecycle from customer acquisition and credit assessment to loan disbursement and collections across its target retail borrower segments.
Vaibhav Vyapaar Limited is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). The company primarily provides unsecured personal loans to salaried individuals and self-employed individuals through its fully digital lending platform under the brand 'LoanFront', both on a direct lending and co-lending basis.
In parallel, the company generates revenue by offering application and technology services to other NBFCs. Its technology-driven operating model enables credit access through a paperless, scalable, and customer-centric process, catering to retail borrowers across urban and semi-urban regions of India.
The company offers unsecured personal loan services, including instant flexi loans to self-employed individuals and salaried loans to salaried individuals, alongside application and technology services to other NBFCs.
The company operates a digital lending model originating loans on its own balance sheet and through co-lending partnerships with other NBFCs via the 'LoanFront' platform, earning interest income, processing fees, foreclosure charges, and platform service fees.
The company operates in the non-banking financial services sector as a technology-enabled NBFC serving underbanked customer segments across multiple geographies in India.
Who controls the company, and how much of it they hold
ITHA VENKATA RAGHAVA GOWRINATH, CAPFRONT TECHNOLOGIES PRIVATE LIMITED
Points to weigh, drawn from the offer document and the figures on the other tabs
The company has established a technology-enabled digital lending platform, LoanFront, through which it undertakes customer acquisition, digital onboarding, credit assessment, loan origination, servicing, and collections, with approximately 86 lakh registered users and repeat borrowers making up 75% of the portfolio as of March 31, 2026.
The company operates a proprietary digital lending platform, 'LoanFront', designed in line with RBI digital lending guidelines and featuring a modular architecture facilitating integrations with payment gateways, credit bureaus, and verification providers.
The company is led by promoters and senior management possessing over 17 years of experience in technology-led operations and digital lending, supported by experienced professionals across finance, analytics, compliance, and risk management.
The company utilizes automated workflows, internally developed credit assessment models, and multiple data parameters including credit bureau and alternative data to evaluate borrower creditworthiness and manage portfolio quality.
Results of operations substantially depend on net interest income, and any volatility in interest rates could adversely affect lending operations, net interest margin, and borrowing costs.
The entire AUM consists of unsecured personal loans to salaried and self-employed individuals with relatively higher risk profiles, where lack of collateral increases non-recovery risk upon borrower default.
A significant portion of Assets Under Management is concentrated in southern states, with the top five states accounting for 77.09% of overall AUM as of July 31, 2026.
The company witnessed negative net cash flows from operating activities in Fiscal 2026 (₹-1,843.74 lakhs) and Fiscal 2024 (₹-434.14 lakhs), which could adversely affect financial condition if continued.
Customer acquisition, digital onboarding, and lending operations are heavily dependent on the uninterrupted availability and security of the 'LoanFront' platform and third-party API service providers.