Last updated on November 7th, 2025 at 10:52 am
| Check Credila UDRHP filing with SEBI. | Check Credila IPO allotment status |
Credila Financial Services is a non-banking financial company (NBFC) focused on education loans for Indian students pursuing higher studies in India and abroad. It was founded to address the gap between student aspirations and financing, the company has grown rapidly in the overseas education financing niche.
Credila Financial is planning to raise around ₹5,000 crore via this IPO. Here below are the details about IPO size, price band, grey market premium (GMP), financials, strengths & risks.
Subscription date to apply for Credila Financial starts from Nov’25 . Price band for the IPO is not confirmed and is yet to be announced ~ ₹ per share.
Revenue, PAT, EBITDA of Credila Financial
| Year | 2025 |
| Networth | ~₹8694 Cr |
| Revenue: | ~ ₹ 4719.73 Cr |
| EBITDA | – |
| PAT | ~ ₹ 989.96 Cr |
| EBITDA Margin: | – |
| PAT Margin | ~19.1% |
Credila Financial Financials (Consolidated Figures)
| Year (Approx Values) | Revenue (₹ Cr) | Profit (₹ Cr) | Assets (₹ Cr) | Net Worth (₹ Cr) |
| 2023 | ₹ 1,352.2 | ₹ 275.9 | ₹ 16,446 | ₹ 2,435.1 |
| 2024 | ₹ 2,771.0 | ₹ 528.8 | ₹ 31,566 | ₹ 5,043.4 |
| 2025 | ₹ 4,719.7 | ₹ 990.0 | ₹ 48,194 | ₹ 8,694.5 |
Credila Financial IPO Grey market premium today
| Date | IPO Price | IPO GMP | GMP Trend | Estimated listing | Estimated profit per lot |
| 10-Nov | ₹ | ₹ | – | ₹ – | ₹ |
| 09-Nov | ₹ | ₹ – | – | ₹ – | ₹ |
| 08-Nov | ₹ | ₹ – | – | ₹ – | ₹ |
| 07-Nov | ₹ | ₹ – | – | – | – |
| 06-Nov | ₹ | ₹ – | – | – | – |
Credila Financial IPO Pros & Cons
Strengths:
- Clear niche leadership in overseas education-loan financing: Credila is among the few NBFCs specialised in this segment.
- Strong growth in loan book / AUM: The company’s AUM grew ~84% in FY24 to ₹28,187 crore from prior year.
- Backed by established investors: Post HDFC stake sale, new ownership includes major players (EQT, ChrysCapital) which may support expansion.
- Global education tailwinds: Growing demand for Indian students studying abroad means a large addressable market.
- Low reported asset-quality risk to date: Delinquency levels remain low in recent history.
Risks:
- Very high concentration risk: Over ~94% of AUM is for overseas education.
- Seasoning risk: A large portion of loan book still under moratorium, so actual repayment risk remains to unfold.
- Interest-rate / cost-of-fund risk: Rising borrowing costs could squeeze margins.
- Regulatory / foreign-education risk: Changes in visa, immigration or job markets abroad could impact repayment capacity.
- IPO market timing & valuation risk: As this is a large IPO (~₹5,000 crore), market subscription and listing performance may be variable.
Credila Financial : IPO date & invest detail
| IPO Open Date: | November 2025 |
| IPO Close Date: | – |
| Anchor Investor Bidding | – |
| IPO Allotment Date: | – |
| Refunds & Demat Credit | – |
| Tentative Listing Date: | – |
| IPO Category | Mainboard |
| Symbol | – |
| Face Value: | Rs. 10 per Equity Share |
| Issue Size: | ~ ₹ 5,000 Crore |
| Lot Size: | – |
Credila Financial IPO Composition & Proceeds
| Fresh Issue: | ~ ₹ 3,000 Crore |
| Offer for Sale: | ~ ₹ 2,000 Crore |
| Employee reservation | – |
| Price Range | ₹ Upcoming ₹ |
| Use of Proceeds: | No utilization |
| Repayment of borrowings | To be announced |
| Subsidiary Investment (Growth) | To be announced |
| Marketing & Promotions | To be announced |
| General Corporate Use | To be announced |
| IPO Listing on: | NSE & BSE |
| Retail Quota: | ≥ 35% |
| QIB Quota: | ≥ 35% |
| NII Quota: | ≥ 15% |
Credila Financial Lot Size details
| Application Type | Lot Size | No. of Lots | No. of Shares | Investment Amount |
| Retail(Min) | – | 1 | – | ₹ |
| Retail (Max) | – | 13 | – | ₹ |
| Small HNI (Min) | – | 14 | – | ₹ |
| Small HNI (Max) | – | 66 | – | ₹ |
| Big HNI (Min) | – | 67 | – | ₹ |
Core Offerings of Credila Financial
Credila is a specialised non-banking financial company (NBFC) focused solely on education loans.
Credila Financial’s customer reach/market share
As per Credila, till March 31 2025, it has funded over 2.26 lakh (2,26,000+) students across more than 5,200 universities in 64+ countries.
Credila Financial Promoters – Pre offer equity (Approx)
| Kopvoorn B.V. | ~63.89% |
| Moss Investments Limited | ~14.48% |
| Shinhan Bank | ~10.05% |
| HDFC Bank Limited | ~8.17% |
Lead Managers / Registrars of Credila Financial
| Lead / Book Running Lead Managers | Axis Capital Limited, Citigroup Global Markets India Private Limited, Goldman Sachs (India) Securities Private Limited, IIFL Capital Services Limited, Jefferies India Private Limited |
| Registrar (RTA) | KFin Technologies Limited |
Founding Year of Credila Financial & Managing Drector
Credila was incorporated in the year 2006.
Mr. Arijit Sanyal is currently the MD & CEO of the company.
Credila Financial FAQ
Q 1. What is the business of Credila Financial Services?
Credila is an NBFC specialising in education loans, primarily financing Indian students pursuing higher education abroad, and in India.
Q 2. When was the company founded?
The company was incorporated in 2006.
Q 3. What is the issue size and structure of the IPO?
The IPO is sized at ~ ₹5,000 crore, comprising a fresh issue of ~ ₹3,000 crore and an offer-for-sale of ~ ₹2,000 crore by existing shareholders.
Q 4. What is the use of the IPO proceeds?
The net proceeds are proposed to be used to augment the company’s capital base, support growth of its business and loan assets, and general corporate purposes.
Q 5. What are the key risks for this IPO?
Concentrated exposure to overseas education loans (hence sensitive to global job/visa environment); large part of loan book under moratorium, meaning repayment risk is yet to fully play out; rising cost of borrowing may compress margins.
Q 6. Who are the promoters?
Top promoters are Kopvoorn B.V., backed by EQT, and significant shareholding by ChrysCapital & HDFC Bank
Q 7. When is the tentative listing date?
Expected listing date is by end of Nov’25.
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Click here to visit official website of Credila Financial