What we do Supra Pacific Financial Services Limited is an NBFC providing vehicle, gold, microfinance, business, and personal loans primarily across Kerala, Maharashtra, Karnataka, and Tamil Nadu. |
Founded in 1,986 |
Market share Established regional player with growing branch network in Southern and Western India, focusing on microfinance and secured lending segments. |
Problem solved Facilitates financial inclusion by offering accessible credit solutions to individuals and small businesses underserved by traditional banks. |
Top clients or who we serve Primarily serves retail customers including women in Joint Liability Groups through microfinance; operates B2C credit services across multiple states. |
Key management Joby George (Managing Director) leads with a seasoned leadership team including executive and independent directors. |
Our journey and innovations Incorporated in 1986, changed to financial services in 2022; expanded microfinance to empower women and broadened geographical presence. |
Where we operate Operates 66 branches across Kerala, Maharashtra, Karnataka, and Tamil Nadu, focusing on metro and district-level markets. |
Top products or what we offer Offers vehicle loans, gold loans, microfinance loans, business loans, and personal loans to diverse customer segments. |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue is primarily recurring from interest on diverse loan portfolios. |
Our industry position Consistently growing NBFC with a 32.31% capital adequacy ratio, rated BBB- with stable outlook by Infomerics. |
Financial highlights FY2024-25 revenue Rs. 47.4 crore, net profit Rs. 1.14 crore, doubling profit over previous year; strong capital adequacy of 32.31%. |
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Whats driving growth Growth driven by expansion in microfinance and secured lending, plus geographic and product diversification. |
Our future plans Plans to expand microfinance loans especially to women and broaden branch footprint in metros and key states. |
Our green promise - |
Our people and values Employs 278 staff, recognized multiple years as a Great Place To Work emphasizing employee well-being and inclusion. |
Key challenges ahead Managing credit risks and regulatory compliance while scaling operations sustainably in competitive markets. |
Interesting facts Has been part of the promoter group of Mid-East Portfolio Management for 15+ years; recently transformed management control. |
Risks and strategy Risks include credit and market risks addressed by robust risk management policies and an active risk committee. |
