Shalibhadra Finance Reports Strong FY26 Results, Targets ₹500 Crore AUM Growth
Mumbai, May 29, 2026: Shalibhadra Finance Limited (BSE: 511754, NSE: SAHLIBHFI), a retail-focused Non-Banking Financial Company (NBFC) serving rural and semi-urban segments, has announced its results for Q4 FY26 and the full fiscal year 2026.The company reported key financial milestones, noting that its Assets Under Management (AUM) reached ₹219.66 Crores, with Net Interest Income (NII) increasing by 15.03% year-over-year (YoY) to ₹35.95 Crores. The Profit After Tax (PAT) stood at ₹19.48 crores, marking a 21.67% jump YoY.
According to the financial data, the company's Total AUM increased by 24.81% YoY to ₹219.66 crores. Interest Earned reached ₹41.05 crores, contributing to a Net Interest Income of ₹35.95 crores. PAT grew to ₹19.48 crores, achieving a PAT% of 47.40%.
The financial performance metrics for FY 26 compared to FY 25 are detailed below:
| Particulars | FY 26 | FY 25 | YoY% |
|---|---|---|---|
| Total AUM | 219.66 | 176 | 24.81% |
| Interest Earned | 41.05 | 36.5 | 12.47% |
| Interest Expensed | 5.15 | 5.29 | (2.65%) |
| Net Interest Income | 35.95 | 31.21 | 15.03% |
| Net Interest Margin% | 18.17% | 20.14% | - |
| PAT | 19.48 | 16.01 | 21.67% |
| PAT% | 47.40% | 43.86% | - |
| EPS | 6.31 | 17.29 | - |
| Book Value | 171.98 | 154.24 | 11.50% |
| Cost to Income% | 28.77% | 24.89% | - |
| Yield on Advances% | 23.55% | 20.75% | - |
| GNPA% | 2.94% | 2.87% | - |
| NNPA% | 1.17% | 0.74% | - |
| CRAR% | 78.28% | 85.7% | - |
| ROA% | 8.65% | 8.20% | - |
Strategic Growth Pillars
Shalibhadra Finance Limited announced plans to achieve expansion through several strategic initiatives. The company plans to deepen its presence by expanding into Micro LAP (under ₹5 lakh), a segment identified for its potential to scale AUM with minimal competition from larger NBFCs. Future AUM growth will be supported by introducing new products such as Home Loan, Property Loan, Salaried Personal Loan, and Tractor Loan.The company emphasized its commitment to robust operational enhancement, citing its long experience of over three decades in retail lending, which has allowed it to maintain a resilient model with an NNPA around 1%. Furthermore, Shalibhadra Finance has made significant investments in technology and digitization to improve process efficiency and strengthen its risk framework.
On the physical infrastructure front, the company plans an expansion to 70 branches in Calendar Year 2026, aiming for an improved AUM per mature branch. The existing network currently stands at 61 branches, with plans for adding branches over the next three years. The company also plans to enter new states, including Goa, alongside further expansion into Rajasthan and Madhya Pradesh.
Leadership Outlook
Commenting on the results, Vatsal M. Doshi, Managing Director of Shalibhadra Finance Limited, stated that the company's focus remains on disciplined growth and prudent underwriting across rural and semi-urban markets.Doshi noted, "Our continued investments in technology, branch expansion, and operational efficiencies are gradually strengthening the foundation for the company's next phase of growth."
Looking ahead, the company aims for an AUM of ₹500 crores by FY29. This target is expected to be driven by the planned branch expansion, deeper penetration in existing markets, and the introduction of new secured lending products, alongside increasing productivity across both physical and digital infrastructure.
SAHLIBHFI Stock Price Movement
Today, Shalibhadra Finance Limited shares edged higher, closing at ₹81.84 after gaining 10.98%. The stock experienced strong buying interest throughout the session, marking a total traded volume of 130,288 shares.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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