Spandana Sphoorty Financial Limited — PPTs, 05-05-2026: Investor Presentation

Spandana Sphoorty's Q4FY26 turnaround saw AUM grow 12% QoQ to ₹4,420 Cr, marking resumed portfolio growth after seven quarters. The company returned to profitability with ₹5 Cr PAT, and asset quality improved, with GNPA at 3.8% and NNPA at 0.7%.

Disbursements surged 30% QoQ to ₹1,539 Cr, driven by new customer acquisition and broader product offerings. Strategic focus areas include technology adoption for efficiency and ongoing cost optimization, including branch rationalization and improved employee productivity. The Criss Financial Ltd merger is on track to unlock synergies. With robust liquidity of ₹1,438 Cr and a ~35.9% CRAR, Spandana aims for sustained growth, profitability, and strong asset quality into FY27, backed by dedicated recovery efforts.