{"id":14637,"date":"2026-08-28T09:58:00","date_gmt":"2026-08-28T09:58:00","guid":{"rendered":"https:\/\/www.incredmoney.com\/blog\/?p=14637"},"modified":"2026-08-31T10:00:48","modified_gmt":"2026-08-31T10:00:48","slug":"rays-of-belief-ipo","status":"publish","type":"post","link":"https:\/\/www.incredmoney.com\/blog\/rays-of-belief-ipo\/","title":{"rendered":"Rays of Belief IPO: Where Care Meets a Child\u2019s Potential"},"content":{"rendered":"

Rays of Belief (Mom\u2019s Belief) is filing an IPO of \u20b9125 Cr on 1st Sep, 2026. It ranks first in India and seventh globally by number of centres for neurodevelopmental disorder care. The company has nearly doubled its centre count from 71 to 139 in two years, while 3 recently acquired US centres alone now account for ~42% of revenue.<\/em><\/p>\n

IPO Summary<\/h1>\n
\n
\n
\"\"<\/picture><\/div>\n<\/figure>\n<\/div>\n

Introduction<\/h2>\n

A child with a neurodevelopmental disorder in India often waits years for a diagnosis, even longer for treatment nearby.<\/p>\n

Each child with NDDs (Neuro-Developmental Disorders) requires unique treatments and interventions. Such NDDs include Autism Spectrum Disorder (ASD), Attention-Deficit Hyperactivity Disorder (ADHD), etc.<\/p>\n

Rays of Belief built its business on closing that gap<\/mark><\/strong>. Under its brand Mom\u2019s Belief, it runs intervention centres for children with unique needs.<\/p>\n

Based on the number of healthcare centres, it\u00a0ranks\u00a0<\/mark>first in India<\/mark><\/strong>\u00a0and seventh globally\u00a0<\/mark>in the wider behavioural health space.<\/p>\n

It is now going live in an IPO consisting entirely of a Fresh Issue of \u20b9125 Cr, from 1st to 3rd Sep, 2026.<\/p>\n

Business Model Explained<\/h2>\n

Rays of Belief runs a network of therapy centres for children with neurodevelopmental disorders.<\/p>\n

Each child gets an intervention plan built around their specific condition and its severity. Parents and families are trained to act as co-therapists, extending the clinical work done inside the centre into the home.<\/p>\n

They operate\u00a0<\/mark>136 centres across 57 cities<\/mark><\/strong>\u00a0plus 3 centres in the United States following a recent acquisition.<\/mark><\/p>\n

\n
\n
\"\"<\/picture><\/div>\n<\/figure>\n<\/div>\n

The company earns revenue through five channels.<\/p>\n

    \n
  • Company Learning<\/mark>:\u00a0<\/strong>Centres\u00a0<\/strong>owned and run directly by it.<\/li>\n
  • Company Learning<\/mark>:\u00a0<\/strong>Centres run in partnership with licensed professionals.<\/li>\n
  • Centres of Excellence and Research<\/mark><\/strong>\u00a0&\u00a0<\/mark>School Collaboration Centres<\/mark>.<\/strong><\/li>\n
  • Export of services<\/mark><\/strong>\u00a0(mainly research support and clinical innovation work).<\/li>\n
  • Overseas centres<\/mark><\/strong>, added after a recent acquisition of Mom\u2019s Belief US Inc.<\/li>\n<\/ul>\n

    Clients pay either on a per-session basis or through the purchase of therapy plans.<\/p>\n

    Unit Economics (per Child Served)<\/h2>\n
    \n
    \n
    \"\"<\/picture><\/div>\n<\/figure>\n<\/div>\n
      \n
    • Revenue per child nearly tripled from FY24 to FY26<\/mark><\/strong>, rising from \u20b932,755 to \u20b988,725, driven mainly by the unique American Healthcare revenue model.<\/li>\n
    • Adj. EBITDA margin nearly tripled<\/strong>, from 5% in FY24 to 15% in FY26,\u00a0indicating that the newer US revenue lines carry better unit economics\u00a0<\/mark>than the older, domestic centre-led business.<\/li>\n<\/ul>\n

      Operating Metrics<\/h2>\n
        \n
      • Centre Network:<\/mark>\u00a0Total centre count nearly doubled in two years<\/strong>, from 71 in FY24 to 139 in FY26, with the entry of 3 new international centres.<\/li>\n<\/ul>\n
        \n
        \n
        \"\"<\/picture><\/div>
        Source: RHP<\/figcaption><\/figure>\n<\/div>\n
          \n
        • Children Served:<\/mark>\u00a0<\/strong>The number of enrollments rose to 9,205 in FY26, surpassing the previous\u00a0year’s<\/strong>\u00a0mark of 8,585 children.\u00a0However, the company has not crossed its first-year enrollment mark of 9,344 children, which indicates<\/strong>\u00a0that the number of fresh enrollments is decreasing.<\/li>\n<\/ul>\n
          \n
          \n
          \"\"<\/picture><\/div>
          Source: RHP<\/figcaption><\/figure>\n<\/div>\n
            \n
          • Revenue by Segment:<\/mark><\/strong>\u00a0Domestic centre operations contribute ~32% of revenue, while export services contribute ~26%, and the newly acquired overseas centres contribute ~42% of revenue as they run the practice of treating allergies, asthma, and immunology and are billed under US healthcare rates.<\/li>\n<\/ul>\n
            \n
            \n
            \"\"<\/picture><\/div>
            Source: RHP<\/figcaption><\/figure>\n<\/div>\n

            The Financial Stuff<\/h2>\n
            \n
            \n
            \"\"<\/picture><\/div>\n<\/figure>\n<\/div>\n
              \n
            • Revenue<\/strong>\u00a0rose from \u20b932 Cr in FY24 to \u20b982 Cr in FY26, a two-year CAGR of 63%, mostly due to the overseas acquisition.<\/li>\n
            • Adj. EBITDA margin<\/strong>\u00a0nearly tripled to 15% in FY26 from 5% in FY24, while\u00a0PAT margin<\/strong>\u00a0swung the other way, peaking at 16% in FY25 on a one-off deferred tax credit before settling at 6% in FY26.<\/li>\n<\/ul>\n

              Rays of Belief\u2019s Peers<\/h2>\n
              \n
              \n
              \"\"<\/picture><\/div>\n<\/figure>\n<\/div>\n
                \n
              • Rays of Belief\u2019s PAT margin of 6% sits above three of the six peer companies.<\/li>\n
              • Its RoE of 22% is the second-highest amongst its peers.<\/mark><\/li>\n
              • Its Debt\/Equity of 0.12x is among the lowest in the set, close to Addus HomeCare\u2019s 0.11x.<\/li>\n<\/ul>\n

                Key Risks<\/h2>\n

                Leasehold centres with sunk fit-out costs:
                \n<\/strong>All of the company\u2019s Indian centres, plus the newly acquired US centres, sit on leased premises, with lease terms running from 11 months to three years. A large share of the capital spent on each centre goes into immovable fit-outs, civil work, and interiors that cannot move if the lease ends, running 30% to 37% of total capex for Company Learning Centres depending on the tier of the city.<\/p>\n

                A lengthening collection cycle:
                \n<\/strong>Trade receivables rose from 0.6% of revenue in FY24 to 22% of revenue in FY26. Receivable days stretched from 2 to 81 over the same period.<\/p>\n

                Conclusion<\/h2>\n
                \n
                <\/div>\n<\/div>\n

                Rays of Belief has built India\u2019s largest network of centres for children with neurodevelopmental disorders, and turned that scale into rising margins. The open question is whether the newer, higher-margin overseas and export revenue keeps growing at this pace.<\/p>\n","protected":false},"excerpt":{"rendered":"

                Rays of Belief (Mom\u2019s Belief) is filing an IPO of \u20b9125 Cr on 1st Sep, 2026. It ranks first in India and seventh globally by number of centres for neurodevelopmental disorder care. The company has nearly doubled its centre count from 71 to 139 in two years, while 3 recently acquired US centres alone now […]<\/p>\n","protected":false},"author":9,"featured_media":14638,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[59],"tags":[2],"class_list":["post-14637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ipo","tag-blog"],"acf":[],"yoast_head":"\nRays of Belief IPO: Review, Financials, Business & Risks | InCred Money<\/title>\n<meta name=\"description\" content=\"Explore the Rays of Belief IPO, including its business model, financial performance, unit economics, operating metrics, peers and key investment risks at InCred Money\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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