Key Highlights:
- IIFL Samasta Finance Limited is a leading NBFC-MFI focused on providing microloans to low-income women in rural and semi-urban India.
- The company operates in 22 states with over 1,600 branches and serves more than 3.4 million customers.
- As of FY2025, its assets under management (AUM) stood at around ₹11,100.83 crore with a net profit of ₹20.42 crore
- It maintains a strong capital adequacy ratio (CRAR) of ~32.38% and a diversified funding profile
- The company has recorded a 44% AUM CAGR over three years but faces risks from regional concentration and sectoral challenges.
Overview:
IIFL Samasta, a microfinance entity that was acquired by India Infoline (IIFL) in 2016, is one of India’s largest MFIs. Established in March 2008, the company has become a prominent name in providing innovative and affordable financial products for women in underserved segments of society, both in rural and semi-urban areas.
With a wide range of loans tailored for underserved individuals who lack access to traditional banking services, IIFL Samasta operates across the country, effectively providing responsible financial products and services that act as catalysts for sustainable and inclusive economic growth.
Management:
Venkatesh N – (MD)
He has over 20 years of experience in the financial services industry as an entrepreneur. Venkatesh was also the founder of the erstwhile PNV Techno Acquisitions Pvt. Ltd. that marketed financial products, and Affluence Edifice, that provided wealth management services for individuals. He holds a bachelor’s degree in the Computer Science and has completed the Harvard Business School- ACCION Program on Strategic Leadership in Microfinance.
Kapish Jain – (CEO)
Mr Kapish Jain is an accomplished financial analyst with over two decades of experience. He is driven by a passion for finance and a desire to positively impact the world through his work. In his professional journey, Mr Jain has garnered knowledge in financial analysis, business finance and the skills on how to best optimize capital and superior return for its stakeholders. His specializations include Business Finance, Strategy, and fundraising, Investor Relations, Accounts, Taxation, Private Equity, Investor Relations, Business planning, and all areas of financial control, i.e., Prevention of Money Laundering. As a financial analyst, he performs financial analysis and business reviews to support effective decision-making.
He has a proven track record in delivering superior financial performance and improving processes through data-driven insights. He has received several recognitions for his outstanding work throughout his career. He has been a speaker for India's top CFOs on multiple forums including the Finance and Marketing conclave of IIM Amritsar. Mr Jain's financial expertise, strong work ethic and commitment to excellence make him an asset to the organization.
Key Financials: FY25
All figures in INR crore
Particular |
Amount |
AUM |
11100.83 |
Cash & Bank Balances |
658.65 |
Borrowings |
12875.24 |
Total Assets |
9617.75 |
Revenue |
2522.87 |
Profit After Tax |
20.42 |
PAT Margin |
0.81 |
Total Net worth |
2033.92 |
Return on Equity |
1.02 |
NNPA |
6.64 |
NIM |
17.35 |
CRAR |
32.38 |
Lenders:
The prominent lenders in IIFL Samasta include:
Banks:
- Axis Bank
- ICICI Bank
- The Hongkong and Shanghai Banking Corporation
- State Bank of India
- IDFC Bank
- DBS bank
NBFCs and DFIs:
- NABARD
- Small Industries Development bank of India
- JM Financial
- NABARD
Disclaimer:
Investments in debt securities/municipal debt securities/securitized debt instruments are subject to risks including delay and/or default in payment. Read all the offer-related documents carefully.