5 Fintech IPOs Coming: Should You Invest?
A fresh wave of fintech startups — including lending apps and investment platforms — are heading to India's stock market. Before you apply for their IPOs, here's what every middle-class investor must know.
Paytm's 2021 IPO wiped out ₹55,000 crore in market value within weeks — bigger than many cities' annual budgets.
Your favourite loan or investment app may soon list — here's what that means for you
Key Takeaways
Check profitability first: before applying to any fintech IPO, verify whether the company has reported net profits for at least 2 consecutive years — loss-making IPOs carry higher risk.
Compare valuations: use the Price-to-Earnings or Price-to-Book ratio to see if the IPO price is reasonable versus listed peers like PB Fintech or One97 Communications.
Avoid over-allocating: never put more than 5–10% of your investable surplus into any single IPO — especially in high-growth but volatile fintech names.
A fresh wave of fintech startups — including lending apps and investment platforms — are heading to India's stock market. Before you apply for their IPOs, here's what every middle-class investor must know.
Here's what happened: Several Indian fintech startups including digital lending platforms are filing IPO papers with SEBI or planning listings by 2026–27.. Unlike the 2021 IPO boom driven by hype and gross merchandise value, this new batch faces investors demanding real profits and sustainable growth.. Retail investors who lost money in earlier fintech IPOs are now more cautious, making this a very different market test for these companies..
What you should do: Check profitability first: before applying to any fintech IPO, verify whether the company has reported net profits for at least 2 consecutive years — loss-making IPOs carry higher risk.. Compare valuations: use the Price-to-Earnings or Price-to-Book ratio to see if the IPO price is reasonable versus listed peers like PB Fintech or One97 Communications.. Avoid over-allocating: never put more than 5–10% of your investable surplus into any single IPO — especially in high-growth but volatile fintech names..
If a fintech IPO lists at a premium, avoid chasing it on Day 1. Wait 3–6 months — post-listing volatility in fintech stocks often creates a much better entry price.
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This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.