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Arohan Financial IPO

Arohan Financial Services Ltd.

IPO Details

Bidding DatesMin. InvestmentLot SizePrice Range
To be announced------
Issue SizeIPO Doc
NA
DRHP PDF

About Company

Arohan Financial Services Limited is a leading NBFC-MFI (micro-finance institution) with operations in financially under-penetrated low income states of India. It provides income-generating loans and other financial inclusion-related products to customers who have limited or no access to financial services. It offers a broad range of products to financially underserved customers. The financial products are classified into credit and insurance products.
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Founded
1991
Managing Director
Manoj Kumar Nambiar

Strengths & Risks

  • Largest NBFC-MFI in Eastern India and fifth largest NBFC-MFI in India with a focus on the low-income states.
  • Seasoned business model incorporating its well-established risk management framework, loan approval processes, and recovery drives.
  • Customer-centric approach with diverse product offerings.
  • Advanced and scalable technology-enabled infrastructure.
  • Diverse borrowing relationships and access to multiple sources of capital.
  • Management consists of professionals who have experience in microfinance, consumer finance, investment banking, retail banking, consulting, and insurance.
  • Inability to control the level of non-performing assets in the future, or its impairment of financial instruments allowance is insufficient to cover future loan losses.
  • Any disruption in its funding sources.
  • Vulnerability to interest rate risk and an inability to manage the same.
  • Asset-liability mismatches that could expose it to interest rate and liquidity risks
  • Any failure in its IT systems.
  • Geographic concentration in low-income states like West Bengal, Bihar, Assam, and Odisha.
  • Inability to maintain its capital adequacy ratio.
  • Any downgrade in its credit ratings resulting in an increase in its finance costs.
  • Any changes in laws and regulations applicable to Non-Banking Finance Companies (NBFCs).
  • Highly competitive industry – the financing industry.
  • Operational risks including fraud, petty theft, embezzlement, or other misconduct since it deals with large volumes of cash.
  • Inability to measure or verify customer credit-worthiness or repayment ability data and information.
  • Exposure to credit, market, and liquidity risks including in respect of its residual MSME lending business.
  • Inability to develop or implement effective risk management frameworks.
  • Inability to protect or use its intellectual property rights.
  • Failure to detect money-laundering and other illegal or improper activities fully or on a timely basis.

Financials

*All values are in Rs. Cr
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Top IPO FAQs

What is the Arohan Financial Services Limited IPO?

The issue size of the Arohan Financial Services Limited IPO combines a fresh issue of Rs.850 crores and an offer for sale of 2,70,55,893 equity shares.

What are the open and close dates of the Arohan Financial Services Limited IPO?

Arohan Financial Services Limiteds IPO date yet to be announced.

What is the lot size and minimum order quantity of the Arohan Financial Services Limited IPO?

Arohan Financial Services Limited IPO price and quantity yet to be announced.

What are the allotment dates for the Arohan Financial Services Limited IPO?

Arohan Financial Services Limited IPO allotment date yet to be announced.

Who is the registrar of Arohan Financial Services Limited IPO?

Link Intime India Private Limited

Where is the Arohan Financial Services Limited IPO getting listed?

The Arohan Financial shares are proposed to be listed on the BSE and NSE.
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