What does Genesis Finance Company Limited do?

Genesis Finance Company Limited is a New Delhi-based Non-Banking Financial Company (NBFC) incorporated in 1990. It focuses on providing differentiated financial services to India's 50 million MSMEs and the developing middle class using technology-driven lending models. The company operates from its registered office at 4, MMTC/STC Market, Geetanjali, New Delhi.

What makes Genesis Finance different from other NBFCs?

Genesis Finance's differentiated model is based on using new technologies to assess creditworthiness and deliver financial services to MSMEs and middle-class borrowers who are traditionally underserved by conventional banks. This technology-first approach to MSME lending is designed to reduce operational costs and improve credit decision quality.

Is Genesis Finance Company Limited listed on a stock exchange?

Genesis Finance Company Limited has CIN prefix 'L' indicating historical listed status, potentially on the Delhi Stock Exchange. Since SEBI derecognised DSE in 2017, the company's current listed status may be affected. Investors should verify with BSE/NSE and SEBI records.

What is the website for Genesis Finance Company?

The company's website is genesisfinance.net, where further information about its business model, products, and services may be available.

What is the share price of Genesis Finance Company Limited?

Genesis Finance Company Limited trades at approximately ₹15.75 per share in the unlisted market. This is above the ₹10 face value, suggesting some market premium for the company's MSME-focused fintech NBFC positioning.

Is Genesis Finance Company Limited planning an IPO?

There is no publicly available information confirming that Genesis Finance Company Limited is planning an IPO in the near term, though its technology-driven MSME lending model would be well-positioned for capital market interest if execution can be demonstrated.

How do I buy Genesis Finance Company Limited unlisted shares here?

Raise an enquiry on any company with the quantity you want. Our desk sources the shares and comes back with a firm price and allocation. You accept the allocation, transfer the funds to the desk's published bank account, and once we verify payment the shares are transferred into your demat.

Who am I actually transacting with?

You transact with the desk, not with an anonymous counterparty. When you buy, you buy from the desk; when you sell, you sell to the desk. Shares always route through the desk's own demat account, so there's one accountable party for the whole trade.

How do I pay, and is there a payment gateway?

Payment is by direct bank transfer to Prospire Network Private Limited's published account (CIN U82300UP2025PTC233622), shown to you in-app at the payment step. There is no card gateway and no escrow. Never pay to a personal account or to any account shared over phone, WhatsApp or email — even if the person claims to be from our team.

How long does settlement take?

After you accept an allocation, you have a short window to pay (typically 2 days). Once payment is verified, shares are usually credited to your demat within 2–3 business days, subject to depository timelines and any company-level restrictions. Timeframes are typical, not guaranteed.

There are no separate platform fee lines and no GST on the transfer — the desk's margin is built into the buy/sell price you're quoted. The only statutory add-on on a purchase is stamp duty on the consideration, shown transparently in your cost breakdown.

Is there a minimum ticket size for Genesis Finance Company Limited?

Minimums vary by company and depend on the lot the desk can source. Raise an enquiry and the desk will confirm the available quantity and the minimum for that name.

What KYC do I need, and do I need a demat account?

You'll share your demat details when you enquire so we can settle directly. Full KYC — PAN and a client-master / demat statement — is required before the transfer step, when shares actually change hands. Yes, you need an active demat account to hold unlisted shares.

Are there lock-ins on unlisted or pre-IPO shares?

Some shares carry statutory or company-imposed lock-ins — for example, a post-listing lock-in on pre-IPO stock — and transfers can be subject to the company's articles or approvals. Where a lock-in applies, we'll flag it before you commit.

How do I sell Genesis Finance Company Limited shares I already hold?

Raise a sell enquiry with the company, quantity and your target price. The desk confirms a buying price, you transfer your shares into the desk's demat, and once the credit is verified we pay you out by bank transfer to your registered account. The desk never pays out before your shares are received.

Unlisted shares are illiquid, may be hard or impossible to sell, and are not covered by exchange settlement guarantees or investor-protection funds. Pricing is indicative, not live. Read the full Risk Disclosure before you enquire, and invest only what you can afford to lock away.

Genesis Finance Company Limited Unlisted Share Price | Buy Genesis Finance Company Limited Pre-IPO Shares — wisefolio

Unlisted shares are illiquid and carry higher risk than listed securities. Prices are indicative, not live. Read the risk disclosure.

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Genesis Finance Company Limited Unlisted Share Price | Buy Genesis Finance Company Limited Pre-IPO Shares — wisefolio | wisefolio

Investment Thesis

Genesis Finance Company Limited represents a thematically attractive MSME-focused NBFC with a technology-differentiated positioning. With over 35 years of history and a clear mission to serve India's underbanked MSME market, it has strategic relevance. However, limited financial transparency, potential listing status concerns, and intense competitive dynamics mean investors must conduct thorough due diligence. The genesisfinance.net digital presence suggests active business operations.

Pros

Incorporated in 1990, Genesis Finance Company has over 35 years of operational history in financial services, providing institutional longevity in the Indian NBFC landscape
The company's articulated mission to serve India's 50 million MSMEs using technology-differentiated lending models positions it in one of the highest-growth segments of Indian financial services
MSME lending is a key government and RBI priority under initiatives like PM Mudra Yojana, Emergency Credit Line Guarantee Scheme (ECLGS), and SIDBI schemes — providing a conducive regulatory environment
Located in Geetanjali, New Delhi — a prime South Delhi area — with strong proximity to Delhi NCR's large MSME ecosystem in manufacturing, trading, and services sectors
A technology-driven NBFC model with focus on underserved middle-class and MSME borrowers aligns with the fastest-growing credit market in India, which is estimated to have a credit gap of ₹25–37 lakh crore
Share price at ₹15.75 indicates some market value above face value, suggesting the company has generated modest investor confidence in its business model

Cons

Small unlisted NBFC competing in MSME lending against fintech-backed challengers (Lendingkart, NeoGrowth, Aye Finance) and large NBFCs (Bajaj Finance, IIFL, Five Star Business Finance) with vastly superior technology, capital, and distribution
MSME sector credit quality is inherently volatile — high NPAs in MSME portfolios during economic downturns (as seen during COVID-19) can rapidly stress small NBFCs' balance sheets
Limited financial disclosure with no publicly available audited results, making portfolio quality, NPA levels, and capital adequacy impossible to independently verify
Technology-driven lending requires significant and continuous investment in digital infrastructure, data analytics, and cybersecurity — challenging for small NBFCs with limited capital
CIN prefix 'L' suggests historical listing (possibly on Delhi Stock Exchange), which was derecognised by SEBI in 2017, potentially removing formal listed status
Fundraising limitations as an unlisted/delisted entity — unable to access equity capital markets easily, constraining loan book growth potential

Business Segments

MSME Lending

Technology-driven credit products for micro, small, and medium enterprises including working capital loans, business term loans, and equipment financing for MSMEs in Delhi NCR and beyond

Consumer Finance

Financial products for India's developing middle class including personal loans, consumer durable financing, and other retail credit products

Revenue Model

Genesis Finance Company Limited earns revenue primarily through interest income on its MSME and consumer loan portfolio. The spread between borrowing costs and lending rates constitutes the Net Interest Margin (NIM). Processing fees, prepayment penalties, and documentation charges contribute to non-interest income. A technology-driven model reduces operational costs compared to traditional branch-based NBFCs, potentially supporting better margins if portfolio quality is maintained.

Detailed Analysis

Growth outlookExpansion plans, industry tailwinds & headwinds11

Growth Plans

India's MSME credit gap of ₹25–37 lakh crore provides a massive addressable market for differentiated technology-driven lenders

Government programmes (PM Mudra, ECLGS) facilitate MSME credit penetration and provide risk mitigation tools

Potential strategic partnership with a larger NBFC or bank for co-lending arrangements under RBI co-lending guidelines

Potential BSE SME platform relisting to regain capital market access

Recent Developments

Technology-Driven MSME Lending Model

Genesis Finance continues to position itself as a technology-differentiated NBFC targeting the large underpenetrated MSME credit market in India, aiming to leverage digital underwriting and collections to expand its loan book.

Ongoing

Comparable Companies

CompanyTypeTickerMkt Cap

Five Star Business Finance LimitedListedFIVESTAR~₹14,000 Cr

Ugro Capital LimitedListedUGROCAP~₹3,000 Cr

Five Star Business Finance LimitedListed

FIVESTAR · ~₹14,000 Cr

Ugro Capital LimitedListed

UGROCAP · ~₹3,000 Cr

Frequently Asked Questions

About Genesis Finance Company Limited

Genesis Finance Company Limited is a New Delhi-based Non-Banking Financial Company (NBFC) incorporated on 3 December 1990. With CIN L65910DL1990PLC040705 and website genesisfinance.net, the company is among the first 25 NBFCs to have been registered with the Reserve Bank of India, giving it a legacy of over three decades in India's financial services sector. The company provides working capital loans and financing solutions to MSMEs and individual consumers across seven states in India. Its product range includes loans against property, loans against vehicles, loans against jewellery, and personal loans. With an authorised capital of Rs 470 million and paid-up capital of Rs 463.971 million, Genesis Finance has a significant capital base relative to many regional NBFCs. The company's geographic presence across seven states makes it a meaningful regional NBFC serving underserved borrowers in semi-urban and urban markets. Its focus on secured lending (loans against property and tangible assets) provides risk mitigation through collateral coverage. With 25+ years of lending experience and one of India's earliest NBFC registrations, Genesis Finance Company occupies a distinctive position in the financial services landscape as a trusted, long-standing credit provider.

Key Milestones

1990 — Genesis Finance Company Limited incorporated in New Delhi under CIN L65910DL1990PLC040705, entering the financial services sector

Common questions about unlisted shares

How do I buy Genesis Finance Company Limited unlisted shares here?
Raise an enquiry on any company with the quantity you want. Our desk sources the shares and comes back with a firm price and allocation. You accept the allocation, transfer the funds to the desk's published bank account, and once we verify payment the shares are transferred into your demat.
Who am I actually transacting with?
You transact with the desk, not with an anonymous counterparty. When you buy, you buy from the desk; when you sell, you sell to the desk. Shares always route through the desk's own demat account, so there's one accountable party for the whole trade.
How do I pay, and is there a payment gateway?

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