About
SBFC Finance Limited, a non-banking financial company, engages in fund-based financing activity in India. The company offers secured loans for micro, small, and medium enterprises (MSME); loans against gold; unsecured personal loans and unsecured business loans; and loan management services. It also operates as a corporate agent of insurance products. It serves entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals, and other individual customers. SBFC Finance Limited was incorporated in 2008 and is headquartered in Mumbai, India. SBFC Finance Limited operates as a subsidiary of SBFC Holdings Pte. Ltd.
Key Metrics
as of Sep 2026Market Cap11,093 Cr
P/E32.10
Div Yield0.00 %
Book Value₹29.40
52w High₹123.00
52w Low₹79.60
Face Value₹10.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 160.00 | 138.00 | 127.00 | 131.00 | 123.00 | 113.00 | 105.00 | 100.00 | 94.00 | 91.00 | 90.00 | 83.00 | 75.00 |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00 | 0.00 | 0.00 | 0.00 | 1.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 4.00 | 4.00 | 4.00 | 3.00 | 3.00 | 3.00 |
| Interest | 152.00 | 147.00 | 136.00 | 129.00 | 125.00 | 118.00 | 106.00 | 100.00 | 95.00 | 88.00 | 85.00 | 89.00 | 89.00 |
| Profit before tax | 174.00 | 164.00 | 158.00 | 146.00 | 136.00 | 126.00 | 117.00 | 110.00 | 105.00 | 97.00 | 86.00 | 71.00 | 63.00 |
| Tax % | 25.00 | 25.00 | 25.00 | 25.00 | 26.00 | 25.00 | 25.00 | 24.00 | 25.00 | 24.00 | 25.00 | 26.00 | 25.00 |
| Net Profit | 130.00 | 123.00 | 118.00 | 109.00 | 101.00 | 94.00 | 88.00 | 84.00 | 79.00 | 73.00 | 64.00 | 53.00 | 47.00 |
| EPS in Rs | 1.18 | 1.11 | 1.08 | 1.00 | 0.93 | 0.87 | 0.81 | 0.78 | 0.73 | 0.68 | 0.60 | 0.49 | 0.51 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Expenses | 516.00 | 409.00 | 338.00 | 247.00 | 210.00 | 149.00 | 134.00 | 89.00 |
| Other Income | 0.00 | 0.00 | 1.00 | 5.00 | 1.00 | 1.00 | 0.00 | 0.00 |
| Interest | 539.00 | 421.00 | 352.00 | 278.00 | 222.00 | 239.00 | 244.00 | 50.00 |
| Depreciation | 20.00 | 17.00 | 13.00 | 13.00 | 12.00 | 10.00 | 8.00 | 2.00 |
| Profit before tax | 604.00 | 459.00 | 316.00 | 201.00 | 87.00 | 114.00 | 59.00 | 35.00 |
| Tax % | 25.00 | 25.00 | 25.00 | 26.00 | 26.00 | 25.00 | 39.00 | 30.00 |
| Net Profit | 451.00 | 345.00 | 237.00 | 150.00 | 65.00 | 85.00 | 36.00 | 24.00 |
| EPS in Rs | 4.07 | 3.18 | 2.21 | 1.67 | 0.77 | 1.03 | 0.46 | 0.36 |
| Dividend Payout % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1,106.00 | 1,085.00 | 1,072.00 | 890.00 | 807.00 | 797.00 | 742.00 | 676.00 |
| Reserves | 2,619.00 | 2,105.00 | 1,706.00 | 838.00 | 480.00 | 408.00 | 270.00 | 204.00 |
| Other Liabilities | 199.00 | 141.00 | 289.00 | 280.00 | 288.00 | 258.00 | 140.00 | 71.00 |
| Total Liabilities | 11,085.00 | 8,596.00 | 7,063.00 | 5,747.00 | 4,515.00 | 4,231.00 | 4,208.00 | 1,793.00 |
| Fixed Assets | 314.00 | 308.00 | 300.00 | 296.00 | 299.00 | 301.00 | 294.00 | 270.00 |
| CWIP | 2.00 | 1.00 | 2.00 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 192.00 | 327.00 | 427.00 | 607.00 | 848.00 | 1,484.00 | 1,879.00 | 167.00 |
| Other Assets | 10,577.00 | 7,961.00 | 6,334.00 | 4,843.00 | 3,368.00 | 2,446.00 | 2,035.00 | 1,356.00 |
| Total Assets | 11,085.00 | 8,596.00 | 7,063.00 | 5,747.00 | 4,515.00 | 4,231.00 | 4,208.00 | 1,793.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -1,893.00 | -1,415.00 | -1,155.00 | -1,245.00 | -822.00 | -275.00 | -383.00 | -368.00 |
| Cash from Investing Activity | 131.00 | 176.00 | 158.00 | 206.00 | 652.00 | 375.00 | -1,863.00 | 146.00 |
| Cash from Financing Activity | 1,977.00 | 1,281.00 | 1,037.00 | 1,071.00 | 183.00 | -187.00 | 2,291.00 | 395.00 |
| Net Cash Flow | 216.00 | 41.00 | 40.00 | 32.00 | 13.00 | -87.00 | 45.00 | 173.00 |
| Free Cash Flow | -1,907.00 | -1,427.00 | -1,167.00 | -1,253.00 | -831.00 | -290.00 | -389.00 | -376.00 |
| CFO/OP % | -148.00 | -144.00 | -156.00 | -243.00 | -244.00 | -64.00 | -104.00 | -421.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|
Corporate Actions
No corporate actions recorded.
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update5 May from icra
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Rating update16 Apr from fitch
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Rating update23 Jan from care
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Rating update9 Oct 2025 from care
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Rating update22 Sep 2025 from icra
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Rating update27 May 2025 from care