Five-Star Business Finance IPO

Five-Star Business Finance Limited

₹13,950 /31 sharesMinimum Investment

Five-Star Business Finance IPO Listing Details

Listed OnIssue PriceListing PriceListing Gains
BSE & NSE₹474.00₹473.00-₹1.00 (0.21%)

Five-Star Business Finance IPO Details

Bidding DatesMin. InvestmentLot SizePrice Range
9 Nov ‘22 - 11 Nov ‘22₹13,95031₹450 - ₹474
Issue SizeIPO Doc
1960.00Cr
RHP PDF

Subscription Status As on 11 Nov '22, 5:30 PM

  • Qualified Institutional Buyers
    1.77x
  • Non-Institutional Investor
    0.61x
  • Retail Individual Investor
    0.11x
  • Total
    0.70x

About Five-Star Business Finance

Parent Organisation
Five-Star Business Finance Limited
Founded
1984
Managing Director
Lakshmipathy Deenadayalan

Strengths & Risks

  • Fastest AUM growth among its compared peers with strong return and growth metrics and a significant potential addressable market;
  • Among the select institutions to develop an underwriting model that evaluates the cash flows of small business owners and self-employed individuals in the absence of traditional documentary proofs of income;
  • Strong on-ground collections infrastructure leading to its ability to maintain a robust asset quality;
  • Ability to successfully expand to new underpenetrated geographies through a calibrated expansion strategy;
  • 100% in-house sourcing, comprehensive credit assessment, and robust risk management and collections framework leading to good asset quality;
  • Access to diversified and cost-effective long-term financing with a conservative approach to asset liability and liquidity management; and
  • Experienced and cycle-tested leadership with an experienced longstanding promoter, a professional management team, and supported by marquee investors.
  • The continuing impact of the COVID-19 pandemic
  • Any disruption in its sources of capital
  • The risk of non-payment or default by its borrowers
  • A substantial portion of its customers are first-time borrowers which increases the risks of non-payment or default
  • Inability to meet its obligations, including financial and other covenants under its debt financing arrangements
  • Any deterioration in the performance of any pool of receivables securitized to banks and other institutions
  • Volatility in interest rates for both its lending and treasury operations which could cause its net interest income (NII) and net interest margin (NIM) to vary and consequently affect its profitability

Financials

*All values are in Rs. Cr
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