Social Worth Technologies Ltd. IPO Details
Social Worth Technologies was incorporated on October 24, 2015. The company operates a technology-driven digital consumer financing platform that provides affordable credit solutions for consumption, education, healthcare, and insurance needs. It leverages AI, machine learning, and data science to enhance customer onboarding, risk management, underwriting, fraud detection, and collections
| Bidding Dates |
|---|
| To Be Announced |
| Minimum Investment | Minimum Lot | Maximum Lot | Lot Size | Number of Shares | Issue Price Band | Post Issue Promoter Holding % | Issue Size | IPO Document |
|---|---|---|---|---|---|---|---|---|
| - | - | - | - | 40.1 M | - | - | ₹7,500.0 M | DRHP DOC |
Social Worth Technologies issue details
Social Worth Technologies has 40.1 M shares on offer
Social Worth Technologies IPO issue size is ₹ 7,500.0 M
| Day | Retail Individual Investor | HNI (NII) Investors | Qualified Institutional Buyers |
|---|---|---|---|
| Category Reservation | 35% | 15% | 50% |
Social Worth Technologies IMPORTANT IPO DATES
| Issue Open Date | - |
| Issue close Date | - |
| Allotment Date | - |
| Refund Date | - |
| Demat Account Credit Date | - |
| Listing Date | - |
| Listing on Exchange(s) | NSE and BSE |
Social Worth Technologies NUMBER OF SHARES ON OFFER
Social Worth Technologies FINANCIALS
| Period | Revenue from Operations (Rs in crore) | Net Profit (Rs in crore) | Cash Flow from Operations (Rs in crore) | Free Cash Flow (Rs in crore) | Margins |
| FY26 | 1,584.5 | 257.5 | -1,719.0 | -1,723.4 | 40.9% |
| FY25 | 1,208.9 | 113.7 | -872.5 | -876.3 | 29.5% |
| FY24 | 771.9 | 101.2 | -946.7 | -949.5 | 34.4% |
Social Worth Technologies INFORMATION ON IPO ISSUE
About Social Worth Technologies
Social Worth Technologies was incorporated on October 24, 2015. The company operates a technology-driven digital consumer financing platform that provides affordable credit solutions for consumption, education, healthcare, and insurance needs. It leverages AI, machine learning, and data science to enhance customer onboarding, risk management, underwriting, fraud detection, and collections
Object of the Issue
- Investment in their material subsidiary, ESPL for augmenting its capital base, to meet its onward lending requirement
- General corporate purposes
Social Worth Technologies - MANAGEMENT & LEADERSHIP
| Name | Designation |
|---|---|
| Akshay Mehrotra | Managing Director & Group CEO |
| Ashish Sohan Goyal | Chairperson, Executive Director & Group Chief Financial Officer |
| Hemant Kaul | Non-Executive Director |
| Simit Batra | Non-Executive Nominee Director |
| Subhasri Sriram | Non-Executive Independent Director |
| Hemant Kamala Jalan | Non-Executive Independent Director |
| Raj Dutta | Non-Executive Independent Director |
| Aseem Dhru | Non-Executive Independent Director |
Social Worth Technologies Book Running Lead Manager
Kotak Mahindra Capital Company Limited
fibe.ipo@kotak.com
Axis Capital Limited
fibe.ipo@axiscap.in
DAM Capital Advisors Limited
fibe.ipo@damcapital.in
JM Financial Limited
fibe.ipo@jmfl.com
Social Worth Technologies Registrar to the Offer
MUFG Intime India Private Limited
fibe.ipo@in.mpms.mufg.com
Social Worth Technologies Strengths
Diversified distribution model
The company operates a diversified digital lending platform focused on India's middle-income segment, offering credit across personal consumption, education, healthcare, insurance, travel, solar, and e-commerce. Its broad product portfolio and exposure to large, growing markets support strong loan growth and reduce dependence on any single lending segment
High customer retention
The company focuses on retaining existing borrowers by continuously assessing their credit profiles and offering additional financing based on repayment behavior. This customer-centric lending approach supports repeat borrowing, strengthens portfolio quality, and drives sustainable loan growth
Risk management & underwriting
The company uses AI, machine learning, and in-house technology to automate underwriting, risk assessment, fraud detection, and collections, enabling data-driven credit decisions. Its continuously updated scoring models and automated processes support efficient lending while maintaining portfolio quality and risk controls
Social Worth Technologies Risks
Depend on AI
The company relies heavily on AI-driven credit assessment, underwriting, and fraud detection models to support lending decisions. Any limitations in data quality, model accuracy, or access to critical data could adversely affect asset quality, increase credit risk, and impact the company’s financial performance
Regulatory risks
The company operates in a highly regulated financial services environment and must comply with evolving RBI, IRDAI, and digital lending regulations. Any regulatory changes or non-compliance could increase compliance costs, restrict operations, attract penalties, and adversely affect the company’s financial performance
Cybersecurity risks
The company’s digital lending platform is exposed to risks from identity theft, cyber fraud, and misuse of digital channels despite advanced fraud detection and verification systems. Any failure to effectively prevent or detect fraudulent activities could result in financial losses, regulatory issues, and reputational damage
IPO FAQs
The category allocation of qualified institutional buyers is 50.0%, the category allocation of non individual investors or high networth individuals is 15.0% and for retail investors it is 35.0%.