SBFC Finance Limited — Investor Meet, 02-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

SBFC Finance Limited’s AUM reached INR 8,747 Cr, up 28% YoY and 7% QoQ, driven by an 83% MSME segment growing 27% YoY. Yields held steady at 17.88%, borrowing cost at 9.33%, and GNPA stable at 2.74%. Q4 PAT grew 29% YoY to INR 94 Cr, with FY25 PAT up 46% to INR 345 Cr. Branch count rose to 205. Management emphasized tech-led efficiencies, a paperless gold loan process, and cautious optimism amid macro volatility, targeting 20-25 new branches, cost reductions by 50 bps, and steady growth around 5-7% QoQ. Credit quality pressure is mainly regional, but overall asset quality remains stable. Gold loans comprise 15-17% of AUM, focused on business use.