Investor Presentation for the quarter ended 30 September 2025
SAHLIBHFI · price
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Shalibhadra Finance, a rural-focused NBFC specializing in small-ticket vehicle loans, reported Q2FY26 total income of ₹9.49 Cr (+25% YoY), net interest income of ₹8.33 Cr (+15% YoY), and profit after tax of ₹4.75 Cr. Assets under management grew to ₹191 Cr, up from ₹142 Cr a year earlier, with a strong capital adequacy ratio of 78.7% and a very low debt-to-equity ratio of 0.25x. Asset quality remains healthy with NNPA at 0.99%, though gross NPA edged up to 3.07% due to RBI tightening NPA recognition from 150 to 120 days. Cost-to-income ratio improved to 25.3% and opex-to-AUM fell to 1.28%, reflecting better operating efficiency. Management outlined a 2027 roadmap targeting 100 branches (vs 57 today), ₹300 Cr AUM, entry into Goa and Karnataka, and new products in micro-LAP and home loans.
For retail investors, this presentation signals steady, well-capitalized growth in the rural vehicle-finance space with improving efficiency and ambitious multi-year targets. Short-term watchpoints are the slight uptick in gross NPAs from regulatory changes and the execution risk of nearly doubling branches and AUM by 2027 without equity dilution.