Investor Presentation for the year ended March 31, 2025.
SAHLIBHFI · price
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Shalibhadra Finance, a rural-focused NBFC in Gujarat, Maharashtra, MP, and Rajasthan, reported strong FY25 results with AUM growing 34% YoY to INR 1,800 Mn and disbursements rising 16% to INR 1,076 Mn. Profit after tax jumped 34% YoY to INR 160 Mn, with NII up 14% to INR 293 Mn and pre-provision operating profit up 23% to INR 232 Mn. Asset quality stayed healthy with GNPA at 2.87% and NNPA at 0.74%, while cost-income ratio improved from 28.3% to 25.6% and capital adequacy remained strong at 85.7%. The company has 53 branches across 41 districts, 108,737 customers, and a 99.89% collection efficiency. Management outlined a roadmap to scale AUM to INR 2,750 Mn and branch count to 100+ by FY27, with new products like used tractor loans, salaried personal loans, and affordable housing loans, plus geographic expansion into Karnataka and Goa.
The presentation reinforces a positive growth and profitability story with a clear multi-year expansion plan, strong capital headroom (CRAR 85.7%) to fund 3x AUM growth without capital infusion, and anticipated benefits from lower borrowing costs. This should be supportive of investor sentiment, though the stock remains a small-cap NBFC dependent on rural credit cycles.