SBFC Finance Limited — Q2FY27 earnings call summary

Filed 30 October 2026 · Official transcript

Q2 FY27 AUM grew 6% Q-o-Q to INR 12,592 Cr, +27% Y-o-Y; MSME AUM at INR 9,669 Cr, +18% Y-o-Y
Management expects stable credit costs around 1.4%, continued growth, and margin preservation
Yield stable at 18%, cost of funds 8.41%, spreads at 9.6%; PLR increased by 25 bps in October
Credit cost declined to 1.37%, provisioning at 2% of loans; GNPA at 2.64%, PCR above 42%
Gold loans stable at 23% of AUM with cautious growth; LTV around 67%, auction policy protects risks
ROE at 15.04%, ROA at 4.6%, with low leverage of 2.3x; PAT INR 139 Cr, +7% Q-o-Q and +27% Y-o-Y
Opex reduced to 4.07%, down 22 bps Q-o-Q; AI-driven collections improved efficiency
MSME disbursements grew 6% Q-o-Q to INR 855 Cr; sub-INR 7 lakh segment run down, focus on higher ticket