What we do S I Capital & Financial Services Ltd is a Non-Deposit taking NBFC and Full-Fledged Money Changer providing diversified loans and foreign exchange services to retail and corporate clients. |
Founded in 1,994 |
Market share A niche player in Kerala with four branches, showing improved profitability and asset quality. |
Problem solved Facilitates financial inclusion by offering customized personal, business loans, and forex services to diverse customer segments including SMEs. |
Top clients or who we serve Retail customers, high net-worth individuals, micro-enterprises, SMEs; offers B2B and B2C financial solutions. |
Key management - |
Our journey and innovations Incorporated in 1994; became subsidiary of Sharewealth Securities Ltd in 2019; steadily reduced NPAs and returned to profitability in 2024-25. |
Where we operate Primarily operates in Kerala, India, with four branches and association with Thrissur-based Sharewealth Securities Ltd. |
Top products or what we offer Personal finance, gold loans, two-wheeler and used car loans, SME business loans, and foreign exchange services. |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue mainly from interest and financial services, moderately recurring with cyclical elements according to loan demand. |
Our industry position Small but steadily growing non-systemic NBFC with improving financials and focused regional presence. |
Financial highlights FY 2024-25 revenue Rs. 2.56 crore; net profit Rs. 0.17 crore; improved from prior losses; NPA reduced to Rs. 0.63 crore. |
Geographical revenue split Revenue mainly from Kerala region, India. |
Order book - |
Whats driving growth Loan portfolio expansion, effective NPA recovery, and capital infusion driving recent profitability and growth. |
Our future plans Focus on operational standardization, profitability enhancement, and selective capital raising to support business growth. |
Our green promise Supports energy conservation and go-green initiatives by purchasing energy-efficient equipment. |
Our people and values Governed by experienced board with commitment to corporate governance and workplace safety, including zero tolerance for harassment. |
Key challenges ahead Managing credit risk, improving asset quality, and sustaining profitability amid competitive NBFC sector. |
Interesting facts First corporate member of NSE & BSE from cultural capital Thrissur; associate company of Sharewealth Securities Ltd. |
Risks and strategy Credit and operational risks managed via robust risk management frameworks and Board-level oversight. |
