Sbfc Finance Limited

About Sbfc Finance Limited bond.

This comprehensive profile covers key factual information about Sbfc Finance Limited. SBFC Finance Limited is registered with the Reserve Bank of India (RBI) as a systematically important non-deposit taking nonbanking financial company (NBFC-ND-SI). The company commenced its operations in September 2017 after acquiring the secured retail portfolio from Karvy Financial Service Ltd along with its branch infrastructure and staff. The company is into the lending business and offers products, such as secured MSME loans and loan against gold (LAG) with majority of the customers being lowand middle-income small business customers, salaried or working-class individuals and self-employed customers in urban and semi-urban areas in India, comprising Tier-2 and Tier-3 cities. Unsecured loans like personal loans and business/professional loans have been discontinued from September 2022. As on March 31, 2024, the operations of the company are spread across 16 states and two union territories with total 183 branches in 149 cities. The company is backed by the promoters, viz., SBFC Holdings Pte Ltd, Clermont Financial Pte Ltd. EPS in Mar-2024 was 2.21. Current ratio in Mar-2024 was 1.87. Debt/Equity in Mar-2024 was 1.53. Debt/EBITDA in Mar-2024 was 12.93. Interest coverage ratio in Mar-2024 was . Operating Cashflow to total debt in Mar-2024 was -0.27. Total revenue for March-2024 was ₹1,019.92. Net income for March-2024 stood at ₹237.11. Total assets as of Mar-2024 were ₹7,062.80. Operating cash flow for Mar-2024 was ₹-1,155.17. The company’s borrowing relationships include Proposed (₹N/A Cr). Peers and comparison entities consist of Sbfc Finance Limited, Indian Railway Finance Corp Limited, Power Finance Corporation Limited, REC Limited. As of Dec 2024, promoters hold N/A% while others hold N/A% of equity. Key strengths include: Strong promoter supported by experienced leadership; Improving operations with stable profit margins; Pre-eminent business profile; Healthy financial profile with strong coverage indicators; Liquidity: Superior. Key risks include: Regulatory challenges in various geographies, stiff competition from IT majors; Exposure to workforce attrition; Currency risk exposure; Competitive pricing challenges stemming from intense rivalry with domestic and global IT giants. Leadership team details include Mr.Mahesh Dayani (Chief Business Officer), Mr.Narayan Barasia (Chief Financial Officer), Mr.Sumeet Ghai (Chief Human Resource Officer), Mr.V M Maneesh (Chief Operating Officer), Mr.Pankaj Poddar (Chief Risk Officer), Mr.Sanket Agrawal (Chief Strategy Officer), Mr.Ganesh Vaidya (Chief Technology Officer), Mr.Jay Mistry (Company Secretary & Chief Compliance Officer), Mr.Viney Vaid (Head - Credit), Mr.Shanesh Jain (Head - Internal Audit), Mr.Neeraj Swaroop (Chairperson & Independent Director), Mr.Rajesh Mannalal Agrawal (Independent Director), Ms.Surekha Marandi (Independent Director), Mr.Ravi Venkatraman (Independent Director), Mr.Koni Uttam Nayak (Independent Director), Mr.Aseem Dhru (Managing Director & CEO), Mr.John Mescall (Nominee Director), Mr.Jonathan Tadeusz Tatur (Nominee Director). This detailed corporate overview is structured to provide a thorough understanding of all available data points, enhance search visibility, and support investor analysis.