Enbee Trade & Finance
Enbee Trade & Finance Limited is a BSE-listed Mumbai-based NBFC providing unsecured two-wheeler, personal, and business loans to individuals and MSMEs in underserved regions of India, with a small operational footprint and a digital-first, direct-to-consumer lending model.
- Company typePublic
- Founded1985
- HeadquartersMumbai, India
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Enbee Trade & Finance does
Enbee Trade & Finance Limited is a BSE-listed Non-Banking Financial Company (NBFC) headquartered in Mumbai, India. Founded in 1985, the company offers three core unsecured loan products: two-wheeler loans for vehicle financing, personal loans for individual needs (medical, education, travel, home repairs), and business loans for MSME working capital and expansion. The stated target market is individuals and micro/small/medium enterprises (MSMEs) in underserved regions of India, with a stated focus on Maharashtra.
The company's technology platform supports paperless loan processing, fast disbursement, and online EMI calculation tools. Customer acquisition is direct-to-consumer through a website (enbeetrade.com), phone, email, and the Mumbai Lower Parel office — there is no evidence of third-party distribution or partner channels. Credit assessment relies on CIBIL integration for score retrieval, with eligibility and pricing determined by income, credit history, loan amount, and tenure. The pricing model is opaque and quote-based rather than publicly disclosed.
Revenue mechanics consist of interest income and fees on the loan book across the three product lines. The company's reported customer base is modest at 750+ borrowers, and operational scale is small (11-50 employees). Capital structure activity has been elevated, with rights issues conducted in 2023, 2024, and 2025, alongside ongoing promoter share restructuring in 2026 among members of the Narendra Galla family. Leadership comprises Amarr Narendra Galla (Chairman & Managing Director), Yogesh Mule (CFO), and Hiren Mehta (Chief Business Officer).
Enbee Trade & Finance firmographics
Firmographics- Name
- Enbee Trade & Finance
- Legal name
- Enbee Trade & Finance Limited
- Website
- https://enbeetrade.com
- Company type
- Public
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Enbee Trade & Finance Limited is a BSE-listed Mumbai-based NBFC providing unsecured two-wheeler, personal, and business loans to individuals and MSMEs in underserved regions of India, with a small operational footprint and a digital-first, direct-to-consumer lending model.
- Ownership category
- akta.pro rank
Enbee Trade & Finance industry classification
Industry- Product category
- Non-Banking Financial Services / Consumer Lending
- NAICS
- Miscellaneous Financial Investment Activities (523999), Sales Financing (52222)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Asset-Based Lending (ABL) (FSANADAD)
Keywords
Where Enbee Trade & Finance is headquartered
LocationHeadquarters
- HQ city
- Mumbai
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
Enbee Trade & Finance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Two-Wheeler Loans: Financing options for two-wheelers (motorcycles and scooters) with structured monthly repayments
- Personal Loans: Unsecured personal loans for individual needs including medical bills, education, travel, home repairs, with fixed monthly installments (EMIs)
- Business Loans: Capital loans for business expansion, inventory, equipment, cash flow management, and debt consolidation for MSMEs
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quote-based lending rates |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
Enbee Trade & Finance product offering
Product offeringCore offering
Enbee Trade & Finance Limited is a BSE-listed NBFC that extends unsecured loans to individuals and MSMEs in India. Its three core offerings are Two Wheeler Loans for vehicle financing, Personal Loans for individual consumption needs, and Business Loans for working capital and expansion of micro and small enterprises, all processed through a paperless, digitally-enabled application workflow.
Product overview
Enbee Trade & Finance Limited is a BSE-listed Non-Banking Financial Company (NBFC) offering three core unsecured loan products: Two Wheeler Loans for vehicle financing, Personal Loans for individual needs, and Business Loans for enterprise capital requirements. The company targets individuals and MSMEs in underserved regions, providing fast disbursements with minimal paperwork through a transparent, digitally-enabled lending process.
Differentiator
Problem solved
Functional benefit
Products and services
- Two Wheeler Loan Unsecured loan product enabling individuals to finance the purchase of motorcycles or scooters through structured monthly repayments, making vehicle ownership accessible without full upfront payment.
- Personal Loan Flexible unsecured loan for personal financial needs including medical expenses, education, travel, home repairs, or other individual requirements, repaid through fixed monthly installments (EMIs).
- Business Loan Capital financing solution for business purposes including new business establishment, operational expansion, equipment or inventory purchase, and debt consolidation, tailored for sole proprietors, partnerships, and private companies.
Quantifiable outcome
- 750+ satisfied customers served
Companies that use Enbee Trade & Finance
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
Enbee Trade & Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Enbee Trade & Finance partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- BSE LimitedcoreEnbee Trade & Finance is listed on BSE (Bombay Stock Exchange). BSE serves as the primary stock exchange for regulatory compliance, trading, and shareholder disclosures under SEBI regulations.
Scale indicators4 records
Recent moves5 records
Expansion highlights4 records
Enbee Trade & Finance competitors and assessment
Company assessmentDirect peers
- Sundaram Finance: Established Indian NBFC with vehicle finance, personal loans, and MSME lending — comparable product mix and BSE listing profile to Enbee.
- Shriram Finance: Major Indian NBFC specializing in small business, two-wheeler, and used-vehicle financing targeting underserved segments — strong product and customer overlap with Enbee.
- Mahindra & Mahindra Financial Services: NBFC focused on vehicle and equipment financing, including two-wheelers and tractors, with rural and semi-urban penetration — directly comparable market segment to Enbee.
- Cholamandalam Investment and Finance Company: One of India's largest NBFCs focused on vehicle finance (including two-wheelers) and small business loans — directly comparable to Enbee's two-wheeler, personal, and business loan products.
- Five Star Business Finance: NBFC focused on secured small business loans to MSMEs in India — comparable target segment and NBFC business model to Enbee's MSME lending book.
Broad incumbents
- Muthoot Finance: Large Indian NBFC offering consumer and MSME credit products including personal and business loans — comparable NBFC structure with significantly broader reach.
- Bajaj Finance: India's largest consumer-facing NBFC with two-wheeler, personal, and business loans — directly overlapping products but at vastly larger scale and broader geographic reach.
- IIFL Finance: Diversified Indian NBFC offering personal loans, business loans, and gold loans — broad overlap with Enbee's product portfolio but operating at materially larger scale.
- Manappuram Finance: Diversified NBFC with personal, business, and vehicle loans across India — comparable business model and product breadth to Enbee.
Emerging players
- Spandana Sphoorty Financial: Indian microfinance and small business NBFC targeting underserved borrowers — analogous mission and customer base to Enbee's underserved-region focus.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Enbee Trade & Finance social profiles
Digital presenceEnbee Trade & Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Enbee Trade & Finance leadership team
Management profileNumber of profiles
Profiles3 records
Enbee Trade & Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Enbee Trade & Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Enbee Trade & Finance
What does Enbee Trade & Finance do?
Enbee Trade & Finance Limited is a BSE-listed NBFC that extends unsecured loans to individuals and MSMEs in India. Its three core offerings are Two Wheeler Loans for vehicle financing, Personal Loans for individual consumption needs, and Business Loans for working capital and expansion of micro and small enterprises, all processed through a paperless, digitally-enabled application workflow.
Is Enbee Trade & Finance a public or private company?
Enbee Trade & Finance is a public company. It is classified as public and is currently operating.
When was Enbee Trade & Finance founded?
Enbee Trade & Finance was founded in 1985. It employs 11 to 50 people.
Where is Enbee Trade & Finance based?
Enbee Trade & Finance is headquartered in Mumbai, India, in the Asia region.
How does Enbee Trade & Finance make money?
Three revenue lines are on record. Two-Wheeler Loans are the primary driver. The others are personal Loans and business Loans.
Who are Enbee Trade & Finance's main competitors?
Direct peers on record are Sundaram Finance, Shriram Finance, Mahindra & Mahindra Financial Services, Cholamandalam Investment and Finance Company and Five Star Business Finance. Broad incumbents are Muthoot Finance, Bajaj Finance, IIFL Finance and Manappuram Finance. Spandana Sphoorty Financial is listed as an emerging player.
Does Enbee Trade & Finance have an API?
No public API is recorded for Enbee Trade & Finance.
What industry is Enbee Trade & Finance in?
Enbee Trade & Finance's product category is Non-Banking Financial Services / Consumer Lending. Its primary akta.pro industry code is FSANADAD, Asset-Based Lending (ABL). Its NAICS code is 523999 and its SIC code is 6163.