Shalibhadra Finance Limited has announced its financial results for Q4 and FY26, reporting steady growth across key performance indicators alongside its long-term expansion roadmap.
The company reported total Assets Under Management (AUM) of Rs 219.66 crore in FY26, reflecting a 24.81 per cent year-on-year growth. Disbursements for the period stood at Rs 138.52 crore, supported by continued lending momentum across its retail portfolio.
Net Interest Income (NII) rose to Rs 35.95 crore, marking a 15.03 per cent increase over the previous year, while Profit After Tax (PAT) grew 21.67 per cent year-on-year to Rs 19.48 crore. The company also reported an improvement in profitability metrics, with PAT margin increasing to 47.40 per cent.
Asset quality metrics showed GNPA at 2.94 per cent and NNPA at 1.17 per cent. The company’s return on assets stood at 8.65 per cent, while book value increased to Rs 171.98.
Shalibhadra Finance highlighted that its growth has been driven by a retail lending model focused on secured lending products and disciplined underwriting. The company also emphasised its strong capital position, stating that with a net worth of Rs 172 crore, it has the capacity to scale AUM further through debt-led expansion.
As part of its growth strategy, the company is expanding into high-potential micro Loan Against Property (LAP) of under Rs 5 lakh, along with new secured lending products such as home loans, property loans, salaried personal loans and tractor loans.
The NBFC is also investing in technology and automation to improve risk management and operational efficiency, while enabling faster processing of smaller-ticket loans. It plans to further strengthen AI-led initiatives to enhance productivity and data-driven decision-making.
On the distribution side, Shalibhadra Finance currently operates 61 branches and plans to expand to 70 branches in CY2026 and 100 branches over the next three years. The company is also entering new geographies including Karnataka and Goa, with further expansion planned into Rajasthan and Madhya Pradesh.
Commenting on the performance, Vatsal M. Doshi, Managing Director, Shalibhadra Finance, said FY26 has been a year of steady progress for the company as it continues to strengthen its retail lending franchise. He added that the organisation is focused on disciplined growth, asset quality and expansion into new products and markets.
He further stated that the company is targeting an AUM of Rs 500 crore by FY29, driven by branch expansion, deeper market penetration and increased productivity across its operating network.
Send news announcements/press releases to:
editor@thefoundermedia.com
