What we do SBFC Finance Limited is an NBFC lending primarily to MSMEs offering secured MSME loans, loan against gold, and loan management services in India. |
Founded in 2,008 |
Market share Strong presence in underserved MSME credit markets with AUM of ₹10,478 crore and 230 branches across 17 states and 2 union territories. |
Problem solved Provides collateral-backed credit solutions to underserved small businesses and individuals needing short-term liquidity. |
Top clients or who we serve Targets micro and small enterprises, largely in tier II and III cities, catering to retail and small business customers (B2C). |
Key management MD & CEO Aseem Dhru, Executive Director Mahesh Dayani, CFO Narayan Barasia; professional, experienced leadership team. |
Our journey and innovations Founded in 2008, rebranded, expanded AUM to ₹10,478 crore by 2025, IPO raised ₹1025 crore in 2023, introduced subsidiary in home finance segment. |
Where we operate Operates pan-India with 230 branches in 17 states and 2 union territories, focusing on underserved credit markets. |
Top products or what we offer Secured MSME loans, Loan against Gold, unsecured personal and business loans, and loan management services for third parties. |
Top brands No specific brands, key offerings are secured MSME loans and gold loans with strong underwriting and collections. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily from interest on loans (recurring) and fee-based loan management services. |
Our industry position Well-positioned NBFC in MSME lending segment with growing AUM and upgraded credit ratings. |
Financial highlights FY 2025 revenue ₹1,306 crore, PAT ₹345 crore with 28% revenue growth and 46% profit increase year on year. |
Geographical revenue split Mainly derives income from operations across multiple Indian states, primarily in underserved MSME markets. |
Order book - |
Whats driving growth Growth driven by expanding MSME lending, strong risk management, geographic expansion, and diversification into gold loans. |
Our future plans Plans to expand branch network, launch home finance subsidiary, and increase secured lending portfolio. |
Our green promise Implements CSR initiatives focusing on education and healthcare; committed to sustainable corporate governance. |
Our people and values Employee-centric with training programs and stock option schemes; emphasis on inclusive and ethical workplace. |
Key challenges ahead Maintaining asset quality and managing credit risk amid economic uncertainties and regulatory compliance. |
Interesting facts Achieved ₹1000 crore AUM in gold loans by FY 2025; listed on NSE and BSE in 2023. |
Risks and strategy Focuses on disciplined underwriting, diversified borrowing, continuous risk assessment, and strong collection strategies to mitigate risks. |
