SBFC Finance Limited — PPTs, 24-01-2026: Investor Presentation

**1. Business Performance:**

SBFC Finance showed strong Q3 FY26 results. Profit after tax (PAT) jumped 34% year-on-year to ₹118 Cr, while Assets Under Management (AUM) grew 29% YoY to ₹10,478 Cr. The secured MSME segment drives this, forming 81% of AUM.

**2. Growth Drivers or Strategy:**

The company's growth stems from its pan-India network of 230 branches and a robust, tech-enabled credit underwriting system. They focus on the ₹5-30 lakh MSME loan segment, which is expanding at a 24% CAGR, utilizing digital tools for efficiency.

**3. Recent Developments:**

A significant milestone was AUM crossing ₹10,000 Cr this quarter. SBFC maintains excellent asset quality, with over 88% of AUM from customers having CIBIL scores above 700 and all loans fully secured.

**4. Key Financial Metrics:**

Quarterly Return on Assets (RoA) was 4.67% and Return on Equity (RoE) reached 14.56%. Gross Non-Performing Assets (NPA) stood at 2.71%, with Net NPA at 1.48%.

**5. Management Commentary / Outlook:**

The company's experienced management team continues to focus on granular, high-quality collateralized lending within a high-growth market, indicating a clear path for sustained expansion.