SBFC Finance Limited — Credit Ratings, 12-05-2025: Credit Rating

India Ratings has affirmed SBFC Finance Limited’s credit rating at IND AA-/Stable for its bank loans (₹5,000 Cr) and reduced the NCD rating amount to ₹907 Cr. This reflects SBFC’s strong capital base, diversified secured loan portfolio focused on MSME and gold loans, stable asset quality (GNPA at 2.74%), and healthy profitability (ROTA 4.6%, RoTE 12.7%). The company’s solid liquidity, pan-India reach, and experienced management underpin the rating stability. The stable outlook supports continued investor confidence and helps SBFC maintain competitive borrowing costs and strategic financial flexibility.