SBFC Finance Ltd

SBFC Finance Limited will hold a board meeting on Saturday, October 24, 2026, to consider and approve the unaudited financial results for the quarter and half year ending September 30, 2026, and the trading window for designated persons and their immediate relatives will be closed from October 1, 2026, until 48 hours after the results are declared.

SBFC Finance Limited will hold a board meeting on Saturday, October 24, 2026, to consider and approve the unaudited financial results for the quarter and half year ending September 30, 2026, and the trading window for designated persons and their immediate relatives will be closed from October 1, 2026, until 48 hours after the results are declared.

SBFC Finance Ltd announced that India Ratings & Research Private Limited, India Ratings and Research (Ind-Ra), and India Ratings have affirmed the IND AA(SO)/Stable rating on the Series A1 securitised notes amounting to 376.25, with a coupon rate linked to a benchmark of three-month ICICI MCLR rate plus a yield spread of 35bp; additionally, India Ratings & Research Private Limited affirmed the Prime Trust SBL Aug 22 rating, and has noted the N/A rating for Pass-through certificates (PTCs) issued by Prime Trust SBL Aug 22 [SPV under ABS transaction] originated by SBFC Finance Limited backed by a pool of asset-backed securities, with no enhancements, assignments, or withdrawals reported across any of the listed instruments.

SBFC Finance Ltd announced that CARE Ratings Limited has reaffirmed various instruments, including Bank Facilities amounting to an unspecified amount with a revision in outlook from stable to positive, Long Term Bank Facilities of Rs 6,000.00 with a rating of CARE AA-; Positive (previously CARE AA-; Stable), Commercial Paper of Rs 200.00 with a rating of CARE A1+, and Non-convertible Debentures of Rs 400.00 with a rating of CARE AA-; Positive, alongside enhancements to Long Term Bank Facilities previously enhanced from Rs 2,500.00 to Rs 6,000.00; additionally, CARE Ratings Ltd. has reaffirmed Tier II Bonds of Rs 500 Crore with a CARE AAA; Stable rating under continuous monitoring, Working Capital of Rs 200 Crore with a CARE A1+; Stable rating with a review due in Q3 2024, and Long term bank loan facilities of INR 500 crore with a revised rating of CARE 1A; Stable; CareEdge Ratings provided opinions as of a specific date, while noting that CARE Ratings is undertaking continuous monitoring for certain facilities and that data is unavailable from another agency, and that one rating is currently under the designation of ISSUER NOT COOPERATING.

SBFC Finance Ltd announced that ICRA Limited has revalidated the rating of “ICRA AA-; Stable” for its outstanding Non-convertible Debentures amounting to Rs 400.00 crore, with an outlook remaining Stable, and has also indicated a rating of [ICRA]AA- (Stable) for additional NCDs yet to be placed; furthermore, ICRA has validated the rating of [ICRA]A- (Stable) for Non-Convertible Debentures also amounting to Rs 400.00 crore, noting applicability to the Financial Sector Regulator and exclusion from SEBI's grievance redressal mechanisms, while separately assigning an AA- (Stable) rating.

SBFC Finance Limited has granted stock options to employees under three schemes, 2023-I, 2023-II, and 2023-III, alongside earlier schemes. A total of 231,125 shares were issued across these schemes, with exercise prices ranging from Rs. 55 to Rs. 87.33 per share, and a corresponding premium of Rs. 45 and Rs. 77.33 respectively. The options will vest and be exercisable on September 3, 2026, and the shares issued will rank pari passu with existing shares. The total issued share capital post-grant for schemes 2023-I and 2023-II is Rs. 11,08,99,94,420, while for scheme 2023-III it is Rs. 11,09,02,25,670, all carrying the same ISIN INE423Y01016. The filing date for scheme 2023-III was April 1, 2024.

SBFC Finance Ltd announced rating actions and enhancements across several instruments, as detailed by India Ratings and Research Private Limited, India Ratings, and India Ratings & Research Pvt. Ltd. India Ratings and Research Private Limited assigned an IND AA+ (SO)/Stable rating to Series A1 Securitised Notes and received a rating letter for the ABS of Horizon Trust LAP June 2026, with information subsequently uploaded to the company website; additionally, India Ratings converted the Securitised Notes (SNs) of Horizon Trust LAP June 2026, amounting to 2,176.02, to a final rating of IND AA+(SO)/Stable, linked to ICICI 6M MCLR and maturing on August 20, 2040. India Ratings upgraded a Bank Loan of 500 crore to IND AAA, citing a strong market position and improving profitability, while also noting a Senior Director rating for HorizonTrustLAPJune2026 with a maturity date of August 25, 2026, and acknowledging that insufficient information precluded a full rating based on their belief.

SBFC Finance Limited disclosed stock option grants totaling 1,203,436 equity shares across three plans: SBFC Stock Option Policy 2023 - I, SBFC Stock Option Policy 2023 - II, and SBFC Stock Option Policy 2023 - III. The filings, made September 12, 2023, and April 1, 2024, detail exercise prices ranging from Rs 55 to Rs 87.33, with a premium of Rs 45 to Rs 77.33 per share. All shares, carrying an ISIN of INE423Y01016, are slated for allotment on July 31, 2026, and will rank pari passu with existing shares. The total issued share capital will increase to 11,082,067,150 post the grants, with listing fees to be paid as applicable.

Total income increased 26.52% year on year to Rs 491.57 crore in the quarter ended 30 June 2026. Profit before tax stood at Rs 174.12 crore in Q1 FY27, up 28.30% from Rs 135.71 crore posted in the corresponding quarter of the previous year. The net interest margin (NIM) to average assets under management (AUM) stood at 10.68% in Q1 FY27, slightly up from 10.25% in Q1 FY26. The pre-provisioning operating profit for Q1 FY27 stood at Rs 216 crore, registering a 34.4% increase from Rs 161 crore in Q1 FY26. The company made a total ECL provision of Rs 204 crore for the quarter ended 30 June 2026. The gross Non-Performing Assets (NPA) stood at 2.66% as of 30 June 2026, compared to 2.78% as of 30 June 2025 and 2.61% as of 31 March 2026. The company's net non-performing assets (NPA) stood at 1.55% as of 30 June 2026, down from 1.57% as of 30 June 2025, but higher than 1.54% recorded on 31 March 2026. The secured MSME disbursal value stood at Rs 809 crore in Q1 FY27. Meanwhile, assets under management (AUM) grew 27% YoY to Rs 11,922 crore. SBFC Finance specializes in secured MSME loans, loans against gold, affordable home loans, and loan management. The scrip shed 0.14% to Rs 92 on the BSE.Powered by Capital Market - Live

Net profit of SBFC Finance rose 28.97% to Rs 130.12 crore in the quarter ended June 2026 as against Rs 100.89 crore during the previous quarter ended June 2025. Sales rose 26.43% to Rs 489.37 crore in the quarter ended June 2026 as against Rs 387.07 crore during the previous quarter ended June 2025. ParticularsQuarter EndedJun. 2026Jun. 2025% Var. Sales489.37387.07 26 OPM %67.7168.64 - PBDT178.97140.74 27 PBT174.12135.70 28 NP130.12100.89 29 Powered by Capital Market - Live