Investor Presentation for the Quarter and Nine months ended 31st December 2025
SAHLIBHFI · price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
Awaiting price reaction for this filing.
Shalibhadra Finance, a rural-focused NBFC specializing in small-ticket vehicle financing, reported Q3 FY26 total income of ₹11.02 Cr (+31.4% YoY), net interest income of ₹9.54 Cr (+12.89% YoY), and profit after tax of ₹5.03 Cr (+6.79% YoY). Assets under management crossed the ₹200 Cr milestone to reach ₹212.49 Cr, a 37.1% rise from ₹155 Cr a year ago, supported by 58 fully-owned branches across 4 states and 190 employees. Asset quality stayed healthy with GNPA at 3.01% and NNPA at 1.13%, while capital adequacy stood strong at 79%. Management has set a near-term AUM target of ₹220 Cr by FY26 end and a 2027 vision to scale to ₹300 Cr AUM, 100 branches, and introduce Micro LAP and Home Loan products.
Shareholders see steady growth and a clear expansion roadmap, but rising cost of funds (16.8% in Q3 vs 11% in FY25) and a sharp NIM compression to 8.47% from 13.13% in FY24 are concerns. Expansion into new states and products carries execution risk, though strong CAR of 79% provides buffer.