SBFC Finance H1 FY27: AUM up 27% to ₹12,592 Cr, PAT up 28% to ₹269 Cr
H1 FY27 AUM up 27% YoY to ₹12,592 Cr, PAT up 28% to ₹269 Cr; Q2 FY27 RoATE 15.0%, GNPA 2.6%.
By ScoutQuest · · 1 min read
- AUM
- ₹12,592 Cr (YoY +27%)
- PAT
- ₹269 Cr (YoY +28%)
- Asset Quality
- GNPA 2.6% and NNPA 1.5%, with credit cost rising to 1.4% (YoY +21 bps)
- Period
- H1 FY27
- Positioning
- SBFC describes itself as a secured MSME lender to small businesses focused on ₹5 lakh-₹30 lakh tickets, with 257 branches in 202 cities across 18 states and 2 UTs, 100% in-house sourcing.
💰 For H1 FY27 the deck prints AUM of ₹12,592 Cr (YoY +27%), PAT of ₹269 Cr (YoY +28%), secured MSME AUM of ₹9,669 Cr (YoY +18%) and tangible net worth of ₹3,789 Cr. Q2 FY27 RoATE was 15.0% versus 14.1% a year earlier, and spread widened to 9.6% from 9.1%.
📌 Asset quality is shown as GNPA 2.6% and NNPA 1.5%, with credit cost rising to 1.4% (YoY +21 bps). Stage 2 loans carried a 16.9% ECL provision at September 30, 2026 versus 4.9% a year earlier; total ECL provision was 2.0% of gross loans.
📌 The company says it focuses on secured MSME loans in the ₹5 lakh-₹30 lakh ticket range, a market it sizes at ₹4.6 lakh crore growing at 23% (CRIF data), served through 257 branches with 100% in-house sourcing.
📉 Management states its model rests on family-level cash-flow underwriting, local collateral knowledge and in-house collections with 99% collected digitally; cost of borrowing fell to 8.4% (YoY -72 bps) with a diversified lender base and CRAR of 31.3%.
Also from SBFC Finance
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24 Oct 2026
SBFC Finance to hold Q2 FY27 earnings conference call on 26 October 2026, hosted by ICICI Securities
21 Oct 2026
India Ratings affirms IND AA(SO)/Stable on Prime Trust LAP Aug 22 Series A1 notes of INR 309.09 million
14 Oct 2026
More numbers
- AUM, H1 FY2712,592 (₹ Cr)
- AUM growth YoY, H1 FY27+27%
- PAT, H1 FY27269 (₹ Cr)
- PAT growth YoY, H1 FY27+28%
- PAT, FY26451 (₹ Cr)
- Secured MSME AUM, H1 FY279,669 (₹ Cr)
- Tangible net worth, H1 FY273,789 (₹ Cr)
- RoATE, Q2 FY2715.0%
- GNPA, H1 FY272.6%
- NNPA, H1 FY271.5%
- Spread, H1 FY279.6%
- CRAR, H1 FY2731.3%
- Total ECL provision, Sep 30 2026224 (₹ Cr)
- Branches257
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