Gilada Finance

What Gilada Finance does

Gilada Finance & Investments Limited is a BSE-listed (BOM:538788), RBI-regulated Non-Banking Financial Company based in India with a headcount in the 11–50 range. Its existing core business is a small, traditional NBFC lending operation, which reported Q3 FY2025 quarterly sales of Rs 1.91 crore (+11.70% YoY), net profit of Rs 0.60 crore (+20% YoY), and an operating margin of 56.54%, indicating a high-margin but sub-scale book.

The company is being repositioned around a strategic joint venture with HARLEY of LONDON INDIA (HOLI), backed by the Delamore & Owl Group, to launch India's first dedicated Wellness Finance ecosystem. Through this JV, Gilada will offer three instruments: the HOLNESS CareCredit Fund (individual healthcare credit), the HOLNESS SME Growth Fund (financing for wellness SMEs), and a Convertible Debenture Programme. The strategic intent is to capture India's under-served healthcare/wellness financing demand — a market projected at USD 10.4 billion by 2030 in the context of 62% out-of-pocket healthcare expenditure — and to extend the platform into the GCC, UK, and Singapore within 24 months.

Name

Gilada Finance

Legal name

Gilada Finance & Investments Limited

Website

https://giladafinance.com

Company type

Public

Operating status

Operating

Headcount range

11–50 employees

Short description

Gilada Finance & Investments Ltd is a BSE-listed, RBI-regulated Indian NBFC repositioning itself as a healthcare and wellness financier through a JV with HARLEY of LONDON INDIA, serving individual patients and wellness SMEs via dedicated credit and debenture products.

Ownership category

akta.pro rank

Product category

Healthcare Financing

NAICS

Finance and Insurance (52), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Miscellaneous Business Credit Institution (6159), Finance Services (6199)

akta.pro primary industry

Debt Advisory & Financing Advisory (FSAEAGAD)

akta.pro secondary industries

Capital Raising Advisory (Equity & Equity-Linked) (FSAEAGAC), Corporate Finance & Capital Advisory (BPAHADAB)

Keywords

• Healthcare financing
• NBFC lending services
• Wellness finance solutions
• SME growth funding
• Convertible debenture programme

Headquarters

HQ city

Bangalore

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Healthcare and Wellness Financing: Gilada Finance generates revenue through providing financing instruments including the HOLNESS CareCredit Fund, HOLNESS SME Growth Fund, and Convertible Debenture Programme targeting India's healthcare financing market. As an RBI-regulated NBFC, the company earns interest income and fees from its lending and fund management operations.
2. Non-Convertible Debentures (NCDs): The company issues Non-Convertible Debentures as part of its capital-raising and financing activities, generating proceeds from debenture issuance.

Go-to-market motion1 record

Distribution channels1 record

Core offering

Gilada Finance & Investments Limited operates as a BSE-listed, RBI-regulated Non-Banking Financial Company (NBFC). Through a strategic joint venture with HARLEY of LONDON INDIA (HOLI) backed by Delamore & Owl Group, the company offers specialized financing instruments — the HOLNESS CareCredit Fund for individual healthcare credit, the HOLNESS SME Growth Fund for wellness-sector SME financing, and a Convertible Debenture Programme — targeting India's healthcare and wellness financing market.

Product overview

Gilada Finance & Investments Ltd operates as a BSE-listed and RBI-regulated NBFC. Through a strategic joint venture with HARLEY of LONDON INDIA (HOLI), backed by Delamore & Owl Group, the company has launched India's first dedicated Wellness Finance ecosystem. This ecosystem introduces three financing instruments: the HOLNESS CareCredit Fund (healthcare credit), HOLNESS SME Growth Fund (wellness sector SME financing), and a Convertible Debenture Programme. The ecosystem is positioned as a new asset class targeting India's healthcare financing market.

Differentiator

Problem solved

Functional benefit

Products and services

• HOLNESS CareCredit Fund A financing instrument under the Wellness Finance ecosystem targeting individual healthcare-related credit needs, part of India's first dedicated Wellness Finance ecosystem backed by a BSE-listed and RBI-regulated NBFC framework. Aimed at individuals seeking financing for healthcare expenses.
• HOLNESS SME Growth Fund A financing instrument designed to support small and medium enterprise growth within the wellness and healthcare sector, offered as part of the strategic joint venture between Gilada Finance and HARLEY of LONDON INDIA. Targets healthcare SMEs needing working capital and growth financing.
• Convertible Debenture Programme A convertible debenture programme introduced under the Wellness Finance ecosystem, providing flexible financing options for healthcare and wellness sector participants in India. Targets institutional investors and qualified participants in healthcare-related capital raising.
• Wellness Finance Ecosystem India's first dedicated Wellness Finance ecosystem, positioning Wellness Finance as a new asset class. Created through a strategic joint venture between Gilada Finance & Investments Ltd and HARLEY of LONDON INDIA (HOLI), backed by Delamore & Owl Group. Operates under a BSE-listed and RBI-regulated NBFC framework.

Segments1 record

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• HARLEY of LONDON INDIA (HOLI)flagshipStrategic or Co-development Partner · 23 June 2026HOLI (HARLEY of LONDON INDIA) and Gilada Finance announced a strategic joint venture to create India's first dedicated Wellness Finance ecosystem, positioning Wellness Finance as a new asset class backed by a BSE-listed and RBI-regulated NBFC framework. The partnership introduces three financing instruments: HOLNESS CareCredit Fund, HOLNESS SME Growth Fund, and Convertible Debenture Programme. Plans include expansion into GCC, UK, and Singapore markets within 24 months.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Auxilo Finserve: Indian NBFC focused on education loans to students. Closely comparable to Gilada's specialty-finance NBFC model targeting a defined healthcare/wellness vertical with structured loan products.
• HDFC Credila: RBI-regulated Indian NBFC specializing in education and adjacent human-capital financing. Highly comparable to Gilada as a vertically focused NBFC that issues structured credit products under HDFC group backing.
• Incred Finance: Indian digital NBFC offering consumer and SME credit including healthcare financing. Comparable to Gilada as a digitally enabled NBFC serving healthcare and SME credit segments.

Emerging players

• MPOWER Financing: Specialty cross-border fintech lender for high-borrower-potential international students and healthcare professionals. Comparable as an emerging vertical-specific human-capital/healthcare financing player with international footprint.

Broad incumbents

• Synchrony Financial (CareCredit): US-based consumer finance company operating CareCredit, a dedicated healthcare financing product. Highly relevant as the most established 'healthcare-as-asset-class' financing franchise globally that Gilada is attempting to emulate in India.
• Cholamandalam Investment and Finance: Large listed Indian NBFC under Murugappa Group providing vehicle, SME, and consumer loans. Comparable as a diversified incumbent competing for the same healthcare/SME credit wallet.
• Shriram Finance: Large Indian NBFC focused on SME and retail credit. Comparable as an incumbent NBFC that could easily extend into wellness/healthcare financing categories targeted by Gilada.
• Muthoot Finance: India's largest gold-loan NBFC and diversified financial services group. Comparable as an established BSE-listed NBFC that raises capital through debentures and competes for similar retail credit demand.
• Bajaj Finance: India's largest listed NBFC offering consumer, SME, and commercial credit including healthcare financing at scale. Relevant as a broad incumbent competitor with overlapping products and vastly deeper balance sheet.
• IIFL Samasta Finance: IIFL group NBFC offering microfinance, SME, and housing loans. Comparable as a listed Indian NBFC that could enter the healthcare/wellness financing segment and compete with Gilada's offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gilada Finance