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- Important
- Financial Update
- Fund Raise
- Board Meeting
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Here's a summary of Shalibhadra Finance Limited's investor presentation:
**Business Performance:** Shalibhadra Finance continues to focus on its niche in rural and semi-urban vehicle financing, specializing in small-ticket loans for two-wheelers, three-wheelers, and four-wheelers. The company has demonstrated consistent growth in its Assets Under Management (AUM), reaching ₹220 Cr in FY26, with two-wheeler financing forming the largest segment of its portfolio.
**Growth Drivers or Strategy:** Key strategies include expanding its branch network to 100 locations by FY29, diversifying its product offerings into areas like Home Loans and Loan Against Property, and investing in technology and automation for enhanced efficiency and risk management. The company also aims to optimize its cost of borrowings by increasing reliance on nationalized banks.
**Recent Developments:** While no specific product launches or capacity expansions were highlighted, the presentation emphasizes the company's transition towards a diversified and technology-driven retail lending platform under its "Shalibhadra 2.0" initiative.
**Key Financial Metrics:** For FY26, Net Interest Income (NII) stood at ₹35.90 Cr, and Profit After Tax (PAT) was ₹19.48 Cr. The company maintained healthy asset quality with GNPA at 2.94% and NNPA at 1.17%. Networth was ₹172 Cr.
**Management Commentary / Outlook:** Management anticipates accelerating AUM growth to ₹500 Cr by FY29, driven by geographic expansion, new product introductions, and technological enhancements. They are committed to sustainable growth, strong governance, and creating long-term stakeholder value, with a clear roadmap for scaling the business.