What the business is, and whether it's a good one at a fair price.
Operates as a non-banking microfinance institution lending primarily to women through joint liability groups across 20 states in India. As of Q1 FY27, assets under management stood at ₹4,887 cr, up 11% QoQ, with Q1 disbursements of ₹1,371 cr. Portfolio yield is 24.6% and marginal cost of borrowing is 11.3%, giving a net interest margin of 12.5%. Borrowings are raised from banks (47% share), non-convertible debentures, and the Credit Guarantee Scheme (₹545 cr sanctioned, ₹200 cr drawn in Q1). The branch network spans 1,321 branches and the company employed 9,405 people as of FY26, with employee cost at 52% of revenue. Asset quality has improved, with X-bucket collection efficiency at 99.5%, gross stage-3 assets at 3.6%, and annualized credit cost at 2.1%. A pilot for individual loans has been launched in 8 Madhya Pradesh branches, and geographic expansion is being pushed into Tamil Nadu (currently ₹15 cr) and Maharashtra (₹288 cr).
Measured from the filed financials, judged against its Finance peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
Loading peers…
Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
Loading financials…
Who owns it — and is the promoter stake clean?
Loading shareholding…
Sign up to see the full company file
Governance, sustainability, compliance, earnings calls, presentations, events, reactions and the full filings feed — free with an account.
Answered from SPANDANA SPHOORTY FIN LTD's filed financials and exchange disclosures
SPANDANA SPHOORTY FIN LTD is a Finance company listed on NSE and BSE, trading under the symbol SPANDANA.
No. Over the trailing twelve months SPANDANA SPHOORTY FIN LTD reported a net loss of ₹327 Cr on revenue of ₹1,007 Cr.
Not in the latest reported year — SPANDANA SPHOORTY FIN LTD's dividend payout for FY26 was nil.
Effectively yes. It holds ₹769 Cr more cash than debt. Debt stands at 0.00× equity.
On a typical session SPANDANA SPHOORTY FIN LTD moves 1.40% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by SPANDANA SPHOORTY FIN LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
