Shalibhadra Finance Limited has informed the Exchange about Investor Presentation
SAHLIBHFI · price
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Shalibhadra Finance Limited is an RBI-registered NBFC focused on small-ticket vehicle financing in rural and semi-urban markets. For FY26, the company reported AUM of Rs 219.66 Cr (up from Rs 124 Cr in FY23), NII of Rs 35.90 Cr (up 15% YoY), and PAT of Rs 19.48 Cr (up 21.67% YoY). Asset quality remained healthy with GNPA of 2.94% and NNPA of 1.17%. The company operates 61 branches across 4 states with 1.13 lakh+ customers. Management has set a target to grow AUM to Rs 500 Cr by FY29 through branch expansion (61 to 100), geographic expansion into Karnataka, Goa, Rajasthan, and MP, and new products including Micro LAP, Home Loans, and Tractor Loans. NIMs were 11.01%, showing some compression from 12.46% in FY25, indicating margin pressure in the business.
The company demonstrates steady growth with strong asset quality and profitability metrics. The multi-year AUM target of Rs 500 Cr by FY29 provides a clear growth roadmap, but the compressed NIMs (from 12.46% to 11.01%) suggest competitive pressures in rural lending that investors should monitor. The high CAR of 78.28% gives significant headroom for growth without equity dilution.