Infinity Fincorp: 10 Key Things You Must Know

Overview

Infinity Fincorp Solutions Private Limited is a Mumbai-based non-banking financial company (NBFC) established in 2016 that focuses on providing secured loans customized for micro, small, and medium enterprises (MSMEs) across underserved Tier 2 and Tier 3 cities in India. Known for its niche in lending against residential and commercial property, Infinity Fincorp empowers entrepreneurs and small business owners who often face difficulties in accessing credit from traditional banks. Its innovative, flexible lending solutions and steady growth trajectory have positioned it as a significant player in India’s financial inclusion ecosystem. As you explore this article, discover insights into its business model, growth, investment backing, and impact on MSMEs.

1. Origin and Foundation

Infinity Fincorp was incorporated in November 2016 as a subsidiary of the National Bulk Handling Corporation with seed capital advised by True North, a reputable private equity fund. Registered as an NBFC with the Reserve Bank of India in August 2017, the company was set up to address financing gaps in the MSME sector, particularly in less penetrated markets of western and southern India. By 2025, it has grown into a company managing assets worth over ₹1,200 crore with a focus on secured loans, reflecting a deliberate strategy of steady expansion and customer outreach.

2. Core Business Model and Products

The company primarily provides business loans backed by residential or commercial property—known as loan against property (LAP)—targeting traders, retail outlets, dairy and grocery stores, medical shops, and other small enterprises. Approximately 98.81% of its loan book comprises loans secured against self-occupied residential properties. With an average loan ticket size of around ₹3.5 to ₹4 lakhs, Infinity Fincorp caters to a credit segment often underserved by traditional lenders, addressing critical working capital and business growth needs.

3. Geographic Presence and Operations

Infinity Fincorp operates through a network of more than 120 branches spanning eight states across western and southern India, including Maharashtra, Gujarat, Madhya Pradesh, Rajasthan, Andhra Pradesh, Telangana, Tamil Nadu, and Karnataka. Andhra Pradesh, Telangana, and Tamil Nadu alone account for approximately 75% of its Assets Under Management (AUM). This regional focus in Tier 2 and Tier 3 towns enables the company to tap into markets with unmet credit demand while driving financial inclusion.

4. Major Investment and Ownership Changes

In 2025, Swiss-based private equity giant Partners Group acquired a majority stake in Infinity Fincorp for approximately $230 million (₹1,950 crore), including a primary capital infusion of around ₹600 crore ($70 million). This deal, which outbid competing PE firms such as Advent International and Creador, marked Partners Group’s entry into India's MSME lending space and signaled strong investor confidence in Infinity’s business model and growth prospects. Existing investors such as Jungle Ventures and True North have also participated in the company’s funding rounds.

5. Financial Growth and Performance

Infinity Fincorp has experienced robust growth in recent years. As of December 31, 2024, its AUM reached ₹1,082.65 crore, reflecting over 59% growth in FY24 and further expansion in the first nine months of FY25. The company reported a Profit After Tax (PAT) of ₹25.72 crore for FY24, increasing to ₹32.23 crore for the first nine months of FY25. Its capital adequacy ratio stood impressively at around 42.71% as of late 2024, significantly above the regulatory minimum, demonstrating financial stability and operational strength.

6. Target Customers and Impact

Infinity Fincorp’s lending focus on MSMEs involves serving small traders, shopkeepers, dairy farmers, and other self-employed entrepreneurs often overlooked by traditional banking channels. By offering access to relatively small and secured loans, Infinity helps boost business activities, generate employment, and support the economic vitality of smaller towns. This community-centric approach aligns with its mission to empower underserved entrepreneurs and foster inclusive economic development.

7. Technology and Customer Experience

The company leverages technology to streamline loan origination, customer onboarding, and servicing processes, making it easier for MSMEs to access credit efficiently. Continued investment in technological infrastructure is a key priority supported by the recent capital infusion. This focus on modernizing operations aims to reduce turnaround times and enhance the overall borrower experience, helping Infinity scale while maintaining credit quality.

8. Caution Against Fraud and Customer Safety

Infinity Fincorp actively warns customers to be vigilant against fraudulent activities by third parties impersonating the company using its name, logo, or false loan applications via phone calls, emails, SMS, or social media. The company emphasizes that all genuine communications will come only from official email domains ending with “@infinityfincorp.com” and urges customers to report suspicious incidents to authorities. This stance reflects its commitment to protecting customers and maintaining trust.

9. Regulatory Compliance and Ratings

The NBFC is regulated by the Reserve Bank of India and maintains a solid compliance record. Its credit facilities and instruments have received favorable ratings from CARE Ratings Limited, with an upgraded rating of CARE A; Stable and CARE A1 for various instruments as of early 2025. These ratings underscore the company’s credible financial management, adequate capitalization, and satisfactory risk profile.

10. Future Outlook and Growth Strategy

Infinity Fincorp aims to scale its AUM to ₹2,400 crore in the current financial year and target ₹4,000 crore by 2027. The company plans to deepen penetration in existing markets, especially southern India, while exploring expansion opportunities in newer geographies. With immense backing from global investors and a strong leadership team focused on MSME financial inclusion, Infinity is positioned to become a leading impact-driven financier enabling sustainable growth for India’s underserved entrepreneurs.

Conclusion

Infinity Fincorp’s journey from a niche NBFC to a fast-growing MSME financier backed by global investors reflects its pivotal role in bridging credit gaps in India’s underserved markets. By focusing on secured, need-based lending to small enterprises and embracing technology, the company not only supports economic empowerment but also maintains financial robustness and regulatory compliance. As Infinity looks to the future, the question remains whether it can continue to innovate and expand while sustaining asset quality and customer trust in a dynamic financial landscape.