Arohan Financial IPO
Arohan Financial
Arohan Financial IPO Details
| Bidding Dates | Min. Investment | Lot Size | Price Range |
|---|---|---|---|
| To be announced | -- | -- | -- |
| Issue Size | IPO Doc |
|---|---|
| 0 | DRHP PDF |
About Arohan Financial
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.;
Parent Organisation
Arohan Financial
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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Application details
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For Arohan Financial IPO, eligible investors can apply as
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