SBFC Finance Limited — PPTs, 26-07-2025: Investor Presentation

Here's a summary for SBFC Finance Limited's Q1 FY26 performance:

1. **Financial Highlights:**

#SBFCFinance reported strong Q1 FY26 results with Profit After Tax up 28% YoY to ₹101 Cr & AUM growing 30% YoY to ₹9,351 Cr. Asset quality remains stable with Gross NPA at 2.78% & PCR at 44.38%. RoA is 4.50% & RoE 13.53%. Operating efficiency improved with Cost-to-AUM at 4.59%.

2. **Strategic Initiatives & Growth Drivers:**

The company continues its focus on the underserved ₹5 lakh-₹30 lakh Secured MSME loan segment, tapping into a large, growing market of ₹41 lakh crore. Its pan-India presence across 16 states/2 UTs and robust tech-backed credit underwriting are key growth drivers.

3. **Business Developments:**

Secured MSME disbursal value jumped 51% YoY to ₹809 Cr, with volume up 48% YoY. Co-origination validates origination quality. The company maintains a diversified loan book with no single industry exceeding 10% exposure, minimizing concentration risk. Collections are 99% digital via in-house teams.

4. **Market Position & Competitive Advantage:**

SBFC maintains a strong market position with an experienced management team and a high-quality collateralized loan book (42.2% LTV). Over 85% of AUM is from customers with CIBIL scores above 700, reflecting strong borrower quality.

5. **Investor Implications:**

Solid performance across growth, profitability, and asset quality suggests positive growth potential for investors. #Investing #FinancialServices