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IBL Finance Ltd. is an India-based fintech Non-Banking Financial Company (NBFC) engaged in providing diverse financial solutions. The company's primary operations involve offering personal loans and financing solutions to a broad client base. Its product portfolio includes instant personal loans, micro, small, and medium enterprise (MSME) loans, business loans, gold loans, microfinance, vehicle finance, education loans, agricultural loans, and loans against property. IBL Finance also provides "buy now pay later" services and non-convertible debentures. Additionally, the company engages in onward lending, providing financing to other financial institutions such as NBFCs and NBFC-Microfinance Institutions. The company targets MSME enterprises, self-employed and salaried individuals, and other financial institutions. It particularly focuses on serving underserved segments of the market that have limited access to traditional banking services. IBL Finance operates a predominantly digital lending model, leveraging technology, artificial intelligence, and data analytics for credit assessment, digital verification, and efficient loan disbursement, primarily through its mobile application. The company maintains a presence across various Indian states, with a notable operational focus in Western India.

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