Finbud Financial Services Limited is an India-based financial technology and retail credit distribution company that operates a hybrid digital and agent-assisted loan aggregation platform under the flagship brand Finance Buddha. Founded in 2012 and headquartered in Bengaluru, Karnataka, India, the company specializes in sourcing, evaluating, and processing credit and financial products for individual retail consumers as well as micro, small, and medium-sized enterprises (MSMEs) across pan-India markets. Finbud Financial Services Limited structures its core operations across retail loan aggregation; direct non-banking financial lending; and third-party financial product distribution. Its portfolio of products and services includes unsecured personal loans for salaried and self-employed individuals; small business loans and working capital credit facilities; secured home loans and loans against property (LAP); vehicle finance; education loans; credit card distribution; life and general insurance products; digital credit assessment and borrower pre-qualification services; and end-to-end loan application management comprising document verification, underwriting support, and lender disbursement coordination. The company delivers these offerings through a proprietary phygital architecture that connects its ZAP digital origination platform and customer-facing web portal with an extensive nationwide direct selling agent (DSA) network. In addition to intermediated credit distribution, the company conducts direct balance-sheet lending through its wholly-owned subsidiary, LTCV Credit Private Limited, a Reserve Bank of India-registered Non-Banking Financial Company (NBFC) operating under the brand name Equall. In recent developments, Finbud Financial Services Limited completed its initial public offering (IPO) on the NSE Emerge platform of the National Stock Exchange of India in November 2025 under the ticker FINBUD, raising approximately INR 71.68 crore through a fresh issue of equity shares to fund working capital, platform technology enhancements, and capital infusion into its NBFC subsidiary. This public listing followed the company's formal conversion from a private limited company into a public limited entity in September 2024. Over the same period, the company expanded its institutional partnerships across Indian scheduled commercial banks and non-banking financial institutions, broadened its digital distribution channels, and expanded its portfolio into retail insurance intermediation.