SBFC Finance Limited — Investor Meet, 31-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

SBFC Finance reported robust Q3 FY26 with AUM at INR10,478 Cr (29% YoY, 5% QoQ) and PAT at INR118 Cr (34% YoY, 8% QoQ). MSME loans grew 25% YoY, Gold loans 48% YoY. Yield was 17.78%, with a 9.04% spread, stable QoQ. Opex improved, driving cost-to-income to 35%. GNPA stood at 2.71% with 46.2% PCR.

Management highlighted caution due to rising household debt and tightened lending filters, impacting Q3 disbursements but expects Q4 improvement. FY26 AUM growth guidance remains 5-7% QoQ. Aseem Dhru transitions to Non-Executive Vice Chairman, ensuring leadership continuity. The company focuses on efficiency, diversification, and aiming for 15% ROE. Tone: Cautious yet confident.