SAHLIBHFI
Shalibhadra Finance Limited (NSE: Sahlibhfi) Q4 FY26: AUM Grows 24.81% Yoy to ₹219.66 Cr
Shalibhadra Finance Limited (NSE: SAHLIBHFI) reports Q4 FY26 results with AUM up 24.81% to ₹219.66 Cr, net interest income up 15.03% to ₹35.95 Cr.
Shalibhadra Finance Limited (NSE: SAHLIBHFI), a retail-focused NBFC catering to rural and semi-urban segments, has announced its Q4 FY26 and FY26 results. The company reported an Asset Under Management (AUM) of ₹219.66 Cr, marking a 24.81% year-over-year (YoY) growth. Disbursements stood at ₹138.52 Cr. Notably, the Gross Non-Performing Assets (GNPA) and Net Non-Performing Assets (NNPA) were recorded at 2.94% and 1.17% respectively, while Net Interest Income (NII) rose by 15.03% to ₹35.95 Cr. Shalibhadra Finance Limited is entering a new growth phase with a sharper focus on AUM expansion, driven by secured lending products, technology-led efficiency, and a stronger distribution footprint.
Entering a New Growth Phase
The company is well-positioned to achieve its target of ₹500 crore AUM over the next three years. Here are the key highlights:
1. Good Capitalisation Level
With a net worth of ₹172 crores, Shalibhadra Finance Limited can achieve an AUM of ₹1000 crores without raising further equity. The company plans to fuel its next phase of growth by raising debt through Term Loans/NCDs.
2. Expanding into High-Growth Micro LAP and Other Segments
The company is venturing into Micro LAP of under ₹5 lakh, a segment that offers meaningful potential to scale AUM with minimal competition from bigger NBFCs. New products like Home Loan, Property Loan, Salaried Personal Loan, Tractor Loan etc. will contribute to future AUM growth.
3. Long Experience in Retail Lending
Backed by more than three decades of experience across multiple economic cycles, the company has built a resilient business model that has stood the test of time, with NNPA maintained at around 1%, reflecting strong asset quality and disciplined underwriting.
4. Investment in Technology
The company has made smart investments in digitization and automation to strengthen its risk framework, improve process efficiency, and enable faster handling of smaller ticket-size loans, with further AI-led initiatives planned to enhance database churn and operational productivity.
5. On Ground Physical Infrastructure
With 61 branches today, an expansion plan to 70 branches in CY2026 and 100 branches over the next three years, along with a database of 5 lakh+ customers and strong AUM per mature branch, the company is well positioned to achieve its target of ₹500 crore AUM over the next three years. Entering new states of Karnataka and Goa. Further expansion into Rajasthan and Madhya Pradesh.
Commenting on this milestone, Mr. Vatsal M. Doshi, Managing Director, said, “FY26 has been a year of steady progress for Shalibhadra Finance Limited as we continued strengthening our retail-focused lending franchise across rural and semi-urban markets. Despite operating in a dynamic environment, we remained focused on disciplined growth, prudent underwriting, and maintaining asset quality while expanding our reach. Our continued investments in technology, branch expansion, and operational efficiencies are gradually strengthening the foundation for the company’s next phase of growth. Over the years, we have built deep expertise in serving underserved customer segments, which continues to differentiate us in the market. Looking ahead, we are entering a new growth cycle with a clear strategic roadmap. With a strong capital base, established distribution network, and planned expansion into newer geographies and products including Home Loans, Loan Against Property, Tractor Loans, and Salaried Personal Loans, we believe the company is well-positioned to scale meaningfully over the next few years. We are targeting an AUM of ₹500 crores by FY29, driven by branch expansion, deeper penetration in existing markets, introduction of new secured lending products, and increasing productivity across our physical and digital infrastructure. We remain committed to delivering sustainable growth while maintaining strong governance, healthy asset quality, and long-term value creation for all stakeholders.”
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of Shalibhadra Finance Limited
Shalibhadra Finance Limited. Here’s a quick read on where the business and the stock stand today.
Credit Services
Shalibhadra Finance Limited (sahlibhfi) Announces Expansion into Used Commercial Vehicle Financing
Shalibhadra Finance Limited (SAHLIBHFI) announces its expansion into Used Commercial Vehicle Financing, targeting rural logistics market.
Shalibhadra Finance Limited (NSE: SAHLIBHFI) is pleased to announce the launch of its Used Commercial Vehicle (UCV) Financing division. This new product line will offer two core services: financing for purchase of used commercial vehicles and refinancing of existing used commercial vehicles. The expansion marks the company’s entry into the high-yield, underserved rural logistics market. This move will help in product wise diversification of Asset Under Management (AUM) in line with the company’s long-term risk management policy.
Financing for Purchase of Used Commercial Vehicles
The new division will help rural entrepreneurs buy pre-owned transport vehicles, providing them with the necessary financial support to enter the market. This service will be a boon for those looking to start or expand their rural logistics operations.
Refinancing of Existing Used Commercial Vehicles
Additionally, the company will offer refinancing services to owners against their existing vehicles, providing working capital to help them scale their operations. This service will leverage the company’s existing infrastructure, local market expertise, and strong collection network built over the years.
Strategic Expansion
This strategic expansion is part of Shalibhadra Finance Limited’s commitment to serving India’s unbanked and underserved regions. With an asset under management of ₹220+ crores and an active customer base of more than 1 lakh, the company continues to focus on prudent, asset-backed lending, risk management, and sustainable growth.
As a result, this expansion will not only enhance the company’s market presence but also contribute to its long-term strategic goals.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of Shalibhadra Finance Limited
Shalibhadra Finance Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.
Shalibhadra gains 20.7% over three months and trades near its 52-week highs. The PEG of 0.34 is extremely low. Either the market misses the growth story, or there is a catch worth investigating. Industry-leading margins of 54.2% reflect exceptional pricing power and operational efficiency. Buyers show up with 2.2x the volume of sellers. Moreover, they dominated on 16 of recent sessions versus 14 for sellers — a healthy accumulation pattern. Both the business and the stock move in the right direction. Revenue grows at 14.0%, profits at 41.0%, and the PEG sits at 0.34 — below its growth rate. That combination is rare. Check Fundamentals of Shalibhadra Finance Limited.
Credit Services
Shalibhadra Finance Limited (NSE: Sahlibhfi) Deepens Geographic Presence with New Branch in Jamnagar, Gujarat
Shalibhadra Finance Limited (NSE: SAHLIBHFI) opens a new branch in Jamnagar, Gujarat, expanding its geographic presence and serving rural and semi-urban mark.
Shalibhadra Finance Limited (NSE: SAHLIBHFI) is pleased to announce the opening of a new branch in Jamnagar, Gujarat. This strategic move deepens the company’s geographic presence and reinforces its commitment to serving India’s unbanked and underserved regions.
Strategic Expansion
Jamnagar’s strong dual economy of massive industrial hubs and agricultural wealth drives constant daily commuting needs. The area’s steady local income and high daily commuting needs create an ideal market for the company’s specialized, small-ticket rural loan offerings.
Enhanced Presence
With this addition, Shalibhadra Finance now operates 62 branches across India (30 branches in Gujarat, 21 branches in Maharashtra, 10 branches in Madhya Pradesh, and 1 branch in Rajasthan), further reinforcing its strategic presence in western India. The company believes that small ticket asset-backed retail finance in rural areas cannot be done without physical presence. Hence, opening new branches is necessary for future expansion and growth.
Shalibhadra Finance Limited is an NBFC offering loan products like two-wheeler loans, car loans, property loans, and personal loans to underserved geographies in rural and semi-urban areas. The company has an asset under management of ₹220+ crores and an active customer base of more than 1 lakh. The company follows a prudent, asset-backed lending model with a strong focus on risk management, asset quality, and sustainable growth, supported by robust governance and technology-enabled operations.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of Shalibhadra Finance Limited
Shalibhadra Finance Limited belongs to the Financial Services › Credit Services sector. Here’s a quick read on where the business and the stock stand today.
Shalibhadra posts a 3.4% three-month gain, but softens in the last few weeks. The PEG of 0.28 is extremely low. Either the market misses the growth story, or there is a catch worth investigating. Industry-leading margins of 54.2% reflect exceptional pricing power and operational efficiency. The stock gives back 4.7% in the last month despite a positive three-month run. As a result, the earlier momentum appears to be fading. Revenue grows at 14.0% and profits at 41.0% CAGR — a genuinely strong business. Nevertheless, the stock drops 3.4% in three months. The market sells the stock, not the story. Watch whether that changes at the next earnings. Check Fundamentals of Shalibhadra Finance Limited.
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