SBFC Finance Limited — PPTs, 26-04-2025: Investor Presentation

**Financial Highlights**

Profit after tax surged 46% to ₹345 crore for FY25, driven by a 28% year-over-year rise in Assets Under Management (AUM) to ₹8,747 crore. Interest income on loans increased by 34.8% to ₹1,167 crore. The cost-to-AUM ratio improved to 4.65% from 5.34% in the previous year, reflecting enhanced operational efficiency.

**Strategic Initiatives and Growth Drivers**

The company has continued to focus on securing MSME loans, with a clear ticket size ranging between ₹5 lakh and ₹30 lakh, positioned within a growing market segment projected to expand at a CAGR of 24%. This tailored approach aids in better risk management and revenue generation.

**Business Developments**

SBFC operates 205 branches across 16 states and 2 Union Territories, providing access to 171,325 customers. A consistent increase in disbursement value and volume indicates strong demand for its offerings.

**Market Position and Competitive Advantage**

With a Gross NPA ratio of only 2.74% and a well-diversified portfolio, the firm maintains a sound credit quality. The company’s credit rating stands at AA-, reflecting its stable outlook in the competitive financial services landscape.

**Investor Implications**

The robust growth figures and improved operational metrics suggest a positive outlook for SBFC, making it an attractive option for investors seeking exposure in the MSME financing sector. The company’s continuous efforts in operational enhancements and market expansion are likely to foster growth in the upcoming quarters.