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Informist, Saturday, Jul. 25, 2026

 

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--SBFC Finance Apr-Jun net profit INR 1.30 bln vs INR 1.01 bln year ago 
--SBFC Finance Apr-Jun revenue INR 4.91 bln vs INR 3.88 bln year ago 
--SBFC Finance provision coverage ratio 42.22% on Jun 30 
--SBFC Finance liquidity coverage ratio 216.73% on Jun 30 
--SBFC Finance AUM at INR 119.22 bln on Jun 30, up 27% on year 
--SBFC Finance disbursements INR 8.09 bln on Jun 30, up 3% on qtr 
--SBFC Finance gross NPA ratio 2.66% on Jun 30 vs 2.61% qtr ago 
--SBFC Finance net NPA ratio 1.55% on Jun 30 vs 1.54% qtr ago

 

By Nandini Sinha

 

MUMBAI – SBFC Finance Ltd. posted robust year-on-year growth in net profit for the June quarter on year, supported by a healthy rise in interest income. However, a rise in the non-banking finance company's total expenses ate into its bottom line.

 

SBFC Finance's net profit for the June quarter rose nearly 29% on year to INR 1.30 billion. Sequentially, it rose only 6%. The bottom line was above the Street's estimate of INR 1.28 billion.

 

The lender's interest income for the reporting quarter was INR 4.60 billion, up nearly 30% on year and nearly 9% on quarter. Revenue from operations grew nearly 27% on year to INR 4.91 billion.

 

The total expenses rose nearly 26% on year to INR 3.17 billion, limiting the growth in net profit. Finance costs surged to INR 1.52 billion, up nearly 22% from a year ago, while impairment on financial instruments rose nearly 68% to INR 416.87 million. Employee benefits expenses rose over 26% on year to 888.64 million, up from INR 703.19 million in the year-ago quarter.

 

SBFC Finance's assets under management rose 27% on year and 6% on quarter to INR 119.22 billion, supporting its profitability. Disbursements to secured micro, small, and medium enterprises rose to INR 8.09 billion, up 3% on quarter.

 

The Mumbai-based lender's asset quality deteriorated on quarter. Its gross non-performing asset ratio rose to 2.66% as on Jun. 30 from 2.61% a quarter ago while the net non-performing asset ratio rose to 1.55% from 1.54% as on Mar. 31.

 

The lender's credit cost rose 34 basis points on year to 1.45%. Its cost of borrowing fell 90 bps on year to 8.42%. The provision coverage ratio for the June quarter was 42.22% as on Jun. 30, up from 41.64% at the end of the March quarter. 

 

The lender's liquidity coverage ratio was 216.73% as on Jun. 30, up sharply from 145.36% a quarter ago. The capital adequacy ratio for the June quarter stood at 31.95%.

 

SBFC Finance announced its financial results for the June quarter Saturday. Friday, its shares had ended at INR 92.18 apiece on the National Stock Exchange, up nearly 2% from Thursday.  End

 

Edited by Rajeev Pai

 

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