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  2. SECTOR : BANKING AND FINANCE
  3. INDUSTRY : FINANCE (INCLUDING NBFCS)
  4. SBFC FINANCE LTD.
SBFC Finance Ltd.
NSE: SBFC | BSE: 543959

SBFC Finance Live Share Price Today, Share Analysis and Chart

Mid-range Performer
aboutSBFC Finance Ltd. is a non-banking financial company (NBFC) specializing in secured loans for the underserved Micro, Small, and Medium Enterprises (MSME) segment in India. The company focuses on the ₹25 - ₹30 lakh MSME financing segment, which is... Read More
AUM GrowthCost of Borrowing
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84.37-2.68(-3.08%)

New 52W Low in past week

704.8K
NSE+BSE Volume

NSE 30 Oct, 2026 3:31 PM (IST)

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37.9 / 100
Mid-range PerformerThese stocks have strong quality. Their reasonable financials and technicals make them potentially attractive to investorsView SimilarEmbed DVM
Analyst Price Target
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24

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SWOT Analysis

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High rank

14Positive9Negative

Pass in checklist60.9%

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55
100

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Strong Buy Zone

0.0 %    into P/E buy sell zone

% time spent below current P/E
020406080100
Strong upside potential
Gains already realized

SBFC Finance Stock Price Analysis

Day Price Range

-3.1% 1 Day return
84.4 (LTP)
83.886.9
LowHigh

Week Price Range

5.7% 1 Week return
84.4 (LTP)
77.292
LowHigh

Month Price Range

-1.3% 1 Month return
84.4 (LTP)
77.292
LowHigh

52 Week Price Range

-26.0% 1 Year return
84.4 (LTP)
77.2123
LowHigh
View full Price History/Seasonality

SBFC Finance Forecaster - Analyst Share Price Target and Estimates

Revenue forecast

Hit

SBFC Finance's Revenue was higher than average estimate 2 times in past 3 years

EPS forecast

CURRENT EPS
4.2
AVG. ESTIMATE
5.1
LOW ESTIMATE
5
HIGH ESTIMATE
5.3
CURRENT EPS
AVG. ESTIMATE
Hit

EPS is expected to grow by 23.0% in FY27

Consensus Recommendation

7 ANALYST Recommendations
STRONG BUY

The consensus recommendation from 7 analysts for SBFC Finance is STRONG BUY

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SBFC Finance Technical Analysis

SBFC Finance EMA & SMA

Bearish-8
0 bullish, 8 bearish
Bullish0
Bearish8
5 Day84.9
10 Day84.4
12 Day84.4
20 Day85.1
26 Day85.9
50 Day88.2
100 Day90.5
200 Day93.0

SBFC Finance Delivery And Volume

Daily Avg. Delivery Volume %
30 Oct, 202646.9%
Week27.8%
Month41.4%

SBFC Finance Active Candlesticks

Hikkake Uptrend
Legend
Positive IndicatorNeutral IndicatorNegative Indicator

SBFC Finance Resistance and Support

85.02
Pivot
First Resistance86.3
Second Resistance88.1
Third Resistance89.4
First Support83.2
Second Support81.9
Third Support80.1
Day RSI47.3
Day MACD-1.4
Day MFI68.6
Day MACD Signal Line-2.1

SBFC Finance Beta

1 Month-0.2
1 Year0.8
3 Month0.3
3 Year0.9

SBFC Finance Price Change Analysis

↓-1.3%
Over 1 Month
LowHigh
77.392
↓-6.7%
Over 3 Months
LowHigh
77.3104.4
↓-8.6%
Over 6 Months
LowHigh
77.3104.4
↓-26.0%
Over 1 Year
LowHigh
77.3123
All Technicals →

SBFC Finance Shareholding Pattern/ Ownership

Shareholding Summary

Sep 2026
 
NameCategorySharesShares %
Sbfc Holdings Pte.Ltd.Promoter579,188,41052.2 %
Aranda Investments Pte. Ltd.Fii15,910,7671.4 %
Amansa Investments LtdPublic40,909,0913.7 %
Sbi Small Cap FundDii89,318,1808.1 %

HISTORICAL PROMOTER HOLDING

HISTORICAL FII HOLDING

HISTORICAL MF HOLDING

All Shareholding details

SBFC Finance Deals - Insider, Bulk, Block and SAST

Client NameDeal TypeActionDateAvg. PriceQuantityExchange
HDFC LIFE INSURANCE COMPANY LIMITEDBulkPurchase01 Sep 20261017,300,000BSE
MASSACHUSETTS INSTITUTE OF TECHNOLOGY - FDIBlockSell16 Dec 2025105.1413,636,363NSE
238 PLAN ASSOCIATES LLCBlockSell16 Dec 2025105.14341,770NSE
MASSACHUSETTS INSTITUTE OF TECHNOLOGY BASIC RETIREMENT PLAN TRUSTBlockSell16 Dec 2025105.141,386,387NSE
ARANDA INVESTMENTS PTE. LTD.BlockPurchase16 Dec 2025105.147,133,297NSE
TATA AIA LIFE INSURANCE COMPANY LIMITEDBlockPurchase16 Dec 2025105.148,231,223NSE
MASSACHUSETTS INSTITUTE OF TECHNOLOGY - FDIBulkSell16 Dec 2025105.1413,636,363NSE
ARANDA INVESTMENTS PTE. LTD.BulkPurchase16 Dec 2025105.147,133,297NSE
TATA AIA LIFE INSURANCE COMPANY LIMITEDBulkPurchase16 Dec 2025105.148,231,223NSE
SBFC HOLDINGS PTE. LTD.BulkSell19 Mar 20258213,625,115NSE
All deals
All insider trades

SBFC Finance Corporate Actions

SBFC Finance Board Meetings

SBFC Finance past and upcoming board meetings.

#Ex-Date
PurposeNotes
124 Oct 2026
Quarterly Results-
225 Jul 2026
Quarterly Results-
325 Apr 2026
Audited Results & OthersTo consider Other business matters.
424 Jan 2026
Quarterly Results-
504 Nov 2025
OthersTo consider Employee Stock Option Policy
All Corporate Actions

SBFC Finance Research Reports

SBFC Finance research reports with share price targets, and buy/hold/sell recommendations from top brokers.

#
Date
Broker NameTargetPrice When RecommendedTypeUpsideChange Since RecommendationLinks
125 Jul 2026ICICI Securities Limited13092.18Buy41.03%-8.47%pdf
226 Apr 2026ICICI Securities Limited
Target
13094.93Buy36.94%-11.12%pdf
326 Jul 2025ICICI Securities Limited125109.46Buy14.2%-22.92%pdf
427 Apr 2025ICICI Securities Limited125105.79Buy18.16%-20.25%pdf
512 Nov 2023ICICI Direct10591.85Buy14.32%-8.14%pdf
All Reports of SBFC

SBFC Finance Corporate Filings

SBFC Finance BSE corporate filings and AGM, press releases, insider trading & SAST, results and corporate actions.

DateAnnouncement TitleDetailsLinks
30 Oct 2026
SBFC Finance Ltd - 543959 - Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Intimation on Transcript on Earning calls
PDF
26 Oct 2026
SBFC Finance Ltd - 543959 - Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Intimation for audio recording
PDF
26 Oct 2026
SBFC Finance Ltd - 543959 - Announcement under Regulation 30 (LODR)-Newspaper Publication
Disclosure on Newspaper publication of Financial Results for the quarter and half year ended September 30, 2026.
PDF
26 Oct 2026
Q2FY27 Quarterly Result Announced for SBFC Finance Ltd.
Finance company SBFC Finance announced Q2FY27 results Financial Highlights: Interest Earned: For Q2FY27, interest earned stood at Rs 5,130.09 million, registering a QoQ expansion of 11.62% from Rs 4,596.07 million in Q1FY27, and a YoY increase of 35.17% over Rs 3,795.31 million in Q2FY26. For H1FY27, interest earned reached Rs 9,726.16 million, marking a YoY growth of 32.43% from Rs 7,344.28 million in H1FY26. Total income: For Q2FY27, total income reached Rs 5,466.62 million, reporting a QoQ growth of 11.21% compared to Rs 4,915.65 million in Q1FY27, and a YoY increase of 33.01% against Rs 4,110.02 million in Q2FY26. For H1FY27, total income reached Rs 10,382.27 million, showing a YoY growth of 29.85% from Rs 7,995.46 million in H1FY26. Profit before tax (PBT): For Q2FY27, PBT was Rs 1,857.79 million, translating to a QoQ increase of 6.70% over Rs 1,741.22 million in Q1FY27, and a YoY growth of 27.35% from Rs 1,458.84 million in Q2FY26. For H1FY27, PBT reached Rs 3,599.01 million, demonstrating a YoY growth of 27.81% versus Rs 2,815.94 million in H1FY26. Profit after tax (PAT): For Q2FY27, PAT stood at Rs 1,388.74 million, up QoQ by 6.73% relative to Rs 1,301.23 million in Q1FY27, and up YoY by 27.25% against Rs 1,091.35 million in Q2FY26. For H1FY27, PAT expanded YoY by 28.08% to Rs 2,689.97 million compared to Rs 2,100.26 million in H1FY26. Earnings per share (EPS): For Q2FY27, basic EPS was Rs 1.25, demonstrating a sequential growth of 5.93% from Rs 1.18 in Q1FY27, and a YoY growth of 25.00% compared to Rs 1.00 in Q2FY26. For H1FY27, basic EPS reached Rs 2.43, presenting a YoY growth of 25.91% from Rs 1.93 in H1FY26. Business Highlights: Asset Cover & NCDs: The company raised Rs 100.00 crore through private placements of Non-Convertible Debentures (NCDs) on September 18, 2026, which remained unutilized as of September 30, 2026, pending on-lending activities. Minimum asset cover stands at a stable 1.10x ratio, providing sufficient backing to discharge principal obligations. Co-Lending Arrangements: Cumulative quantum of Co-Lending Arrangements (CLAs) stood at Rs 17,456.90 million for the quarter, out of which the SBFC share was Rs 3,491.38 million and the non-SBFC portion was Rs 13,965.52 million. The broad sector focus remains on MSME Loans, showing a weighted average interest rate of 13.27%. Asset Quality & Health Metrics: Gross Non-Performing Assets (GNPA) stood at 2.64% for Q2FY27, down from 2.77% in Q2FY26. Net Non-Performing Assets (NNPA) reported at 1.54%, compared to 1.51% in the prior year's corresponding quarter. Provision Coverage Ratio (PCR) was maintained at 42.24%. Leadership Adjustments: Related party reporting indicated the cessation of employment of the former Chief Financial Officer on July 15, 2026, leading to a reversal of Rs 4.54 million in cumulative share-based payment expenses credited to the Statement of Profit and Loss due to forfeited unvested ESOPs. Result PDF
PDF
26 Oct 2026
SBFC Finance Results Earnings Call for Q2FY27
Conference Call with SBFC Finance Management and Analysts on Q2FY27 Performance and Outlook. Listen to the full earnings transcript.
PDF
VIEW ALL

SBFC Finance DocumentsAsk MarketMind AI

SBFC Finance Earnings Call

SBFC Finance earnings calls, including management commentary and AI-generated summaries.

DateTitleLinks
26 Oct 2026SBFC Finance Results Earnings Call for Q2FY27AudioVideo
05 May 2026SBFC Finance Ltd - 543959 - Announcement under Regulation 30 (LODR)-Earnings Call TranscriptLink
27 Apr 2026SBFC Finance Results Earnings Call for Q4FY26 & Full YearAudioVideo
31 Jan 2026SBFC Finance Ltd - 543959 - Announcement under Regulation 30 (LODR)-Earnings Call TranscriptLink
08 Nov 2025SBFC Finance Ltd - 543959 - Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAi summaryLink
view all

SBFC Finance Annual Reports

SBFC Finance financials, including annual results, balance sheets, and cash flow statements.

DateReport TitleLinks
2026Annual Report Mar-2026Link
2025Annual Report Mar-2025Link
2024Annual Report Mar-2024Link

SBFC Finance Credit Ratings

SBFC Finance credit ratings from CRISIL and leading rating agencies, assessing financial stability, investment grade, and related PDF documentation.

DateRating AgencyCompany NameDescriptionLinks
05 Oct 2026icra ratingsSBFC Finance LimitedRatings reaffirmed; rated amount enhanced for bank facilitiesLink
28 Sep 2026care ratingsSBFC Finance LimitedLink
29 May 2026crisil ratingsSBFC Finance LimitedPrime Trust March 2019:Update For Prime Trust March 2019 (Originator: SBFC Finance Limited)Link
04 May 2026icra ratingsSBFC Finance Limited[ICRA]AA- (Stable)/[ICRA]A1+ assigned; earlier ratings reaffirmedLink
22 Jan 2026care ratingsSBFC Finance LimitedLink

SBFC Finance Investor Presentations

SBFC Finance investor presentations, including business updates, financial insights, and strategic initiatives.

DateReport TitleLinks
25 Jul 2026SBFC Finance Ltd - 543959 - Announcement under Regulation 30 (LODR)-Investor PresentationLink
25 Apr 2026SBFC Finance Ltd - 543959 - Announcement under Regulation 30 (LODR)-Investor PresentationLink
24 Jan 2026SBFC Finance Ltd - 543959 - Announcement under Regulation 30 (LODR)-Investor PresentationLink
01 Nov 2025SBFC Finance Ltd - 543959 - Announcement under Regulation 30 (LODR)-Investor PresentationLink
26 Jul 2025SBFC Finance Ltd - 543959 - Announcement under Regulation 30 (LODR)-Investor PresentationLink

SBFC Finance - Company Profile

SBFC Finance Management Structure

SBFC Finance management structure with salaries, total experience, and qualifications.

NAMEDESIGNATIONGROSS REMUNERATION ₹(LAC)AS OFHISTORY & DETAILS
Mr. Narayan BarasiaChief Financial Officer-Mar 26
Mr. Rajiv ThakkerChief Risk Officer-Mar 26
Mr. Sanket AgrawalChief Strategy Officer,Investor Relations Officer-Mar 26
Mr. Sumeet GhaiChief Human Resources Officer(Human Resources)-Mar 26
Mr. Ganesh VaidyaChief Technology Officer-Mar 26
Mr. Pragnesh SonejiChief Business Officer(Gold Division)-Mar 26
Mr. Ashish SinghChief Business Officer-Mar 26
Mr. Ish ChawlaChief Business Officer-Mar 26
Mr. Sreenivas MylavarapuChief Credit Officer-Mar 26
Namrata SajnaniCompany Secretary,Chief Compliance Officer-Mar 26
Mr. Agnivesh KumarHead(Operations)-Mar 26
Akruti MashkariaHead(Internal Audit)-Mar 26
Mr. Siddharth SharmaHead(BIU & Analytics)-Mar 26
Mr. Arup BhattacharyaHead(Treasury)-Mar 26
MAHESH KANYALAL DAYANIExecutive Director,Whole Time Director,Managing Director,Chief Executive Officer-Mar 26

SBFC Finance Board of Directors

SBFC Finance Board of directors with salaries, total experience, and qualifications.

NAMEPOSITIONGROSS REMUNERATION ₹(LAC)AS OFHISTORY & DETAILS
Aseem DhruExecutive Vice Chairman & WTD1278.3Mar 26
MAHESH KANYALAL DAYANIExecutive Director / WTD / Managing Director / CEO878.1Mar 26
NEERAJ SWAROOPChairman & Independent Directo22Mar 26
V RaviIndependent Non Exe. Director21Mar 26
SUREKHA MARANDIIndependent Non Exe. Director19Mar 26
Koni Uttam NayakIndependent Non Exe. Director15Mar 26
Jonathan Tadeusz TaturNon Executive Director / Nominee-Mar 26
John MescallNon Executive Director / Nominee-Mar 26
Leroy James LangeveldNon Executive Director / Nominee-Mar 26
Namrata SajnaniCompany Sec. & Compli. Officer-Mar 26
Website: www.sbfc.com

About the company - Business Profile

SBFC Finance Ltd. is a non-banking financial company (NBFC) specializing in secured loans for the underserved Micro, Small, and Medium Enterprises (MSME) segment in India. The company focuses on the ₹25 - ₹30 lakh MSME financing segment, which is estimated as a ₹3.2 lakh crore opportunity. SBFC operates via a phygital distribution model, combining a physical branch network with digital technology for lead generation, onboarding, and collections.

Key Points

  • Key Facts:
    • Founded: Incorporated on January 25, 2008.
    • Headquarters: Mumbai, Maharashtra.
    • Stock Listing: Listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) on August 16, 2023.
    • Ownership: As of March 2025, the promoter group, SBFC Holdings Pte. Ltd. (Clermont Group), held a 53.33% stake. Major institutional shareholders include SBI Mutual Fund (8.20% - 8.53%), Amansa Capital, and Malabar Funds.
  • Operations and Resources:
    • Network: As of March 31, 2026, the company operates 251 branches (up from 205 in March 2025) across 18 states and 2 Union Territories.
    • In-house Model: 100% of sourcing and collections are managed in-house. The on-ground team handles local marketing and direct customer engagement in Tier II and Tier III cities.
    • Security: Nearly 100% of the loan book is secured, with 83% of the AUM comprising Secured MSME loans and the remainder primarily Loans Against Gold (LAG).
  • Business Model and Strengths:
    • The company targets self-employed entrepreneurs with limited formal income proof but strong credit histories (typically CIBIL scores above 700 at origination).
    • Average Ticket Size (ATS): For FY2026, the ATS for Secured MSME loans was ₹9.93 lakh, while Loans Against Gold averaged ₹1.23 lakh.
    • Revenue and Financials (FY 2025 Annual Numbers):
      • Total Income: ₹1,306 crore.
      • Profit After Tax (PAT): ₹345 crore.
      • Assets Under Management (AUM): ₹8,747 crore (growing to ₹11,270 crore by end of FY2026).
      • Net Interest Margin (NIM): Approximately 10%.
      • Yield on AUM: 17.84% (FY26).
      • Geographical Reach: Well-distributed presence across 157 cities (FY25), expanding to 181 cities in FY26 to avoid state-wise concentration risks.
  • Technology and Innovation:
    • PhyGital Landscape: Utilizes digital lead generation, E-KYC, PAN verification, and an AI-enabled Personal Discussion (PD) process with customers.
    • Lead Generation: Mobile apps and "Feet on Street" (FOS) digital forms.
    • Collections: 99% of collections are processed digitally through an in-house mobile tracking and E-collect system.
  • Employees and Hiring:
    • The workforce grew significantly from 3,758 employees in FY2024 to 5,025 employees by the end of FY2026.
  • Strategic Initiatives and Outlook:
    • Expansion: Aggressive branch expansion (from 183 in FY24 to 251 in FY26) to deepen market penetration in underbanked areas.
    • Diversification: Obtained a Corporate Agent (Composite) License from the insurance regulator to offer third-party insurance products.
    • Asset Quality: Maintains a Gross NPA of 2.61% and Net NPA of 1.54% (as of FY26), supported by a Provision Coverage Ratio (PCR) of 41.64%.

References

  1. Annual Report Apr 2025
  2. Annual Report Apr 2024
  3. Investor Presentation Apr 2026
  4. Investor Presentation Jan 2026
  5. Investor Presentation Nov 2025

SBFC Finance FAQ

SBFC Finance today is trading in the red, down by 3.08% at ₹84.37.
SBFC Finance is currently trading down 3.08% on an intraday basis. In the past week the stock rose 5.7%. Stock has been down 6.67% in the past quarter and fell 26.04% in the past year. You can view this in the share price history/seasonality section.
SBFC Finance is listed on NSE with the ticker SBFC and on BSE as 543959. It's currently trading on NSE at a share price of ₹84.37 and on BSE with a share price of ₹84.25.
The market cap of SBFC Finance is ₹9,381.2 Cr. as of Oct 30, 2026.
SBFC Finance has never announced any dividend since the time of its listing on the BSE/NSE exchanges.
SBFC Finance has never issued stock splits or bonus shares since the time of its listing on the BSE/NSE exchanges.
SBFC Finance reported ₹546.66 Cr. in revenue, ₹138.87 Cr. in net profit, and ₹386.88 Cr. in EBITD as of Oct 24, 2026 for Q2 FY26-27.
According to the predictions of 7 analysts, the share price prediction for SBFC Finance is ₹116.43 with an upside of 38%.
The PE ratio of SBFC Finance is 18.4 as of Oct 30, 2026.
The PB ratio of SBFC Finance is 2.43 as of Oct 30, 2026.
You can view the latest analyst reports on the SBFC Finance reports dashboard. Either click on the Reports tab on this page's sub-header or click here to be directed to the dashboard.
You can set real-time stock alerts on price, volume, SMA, and several other parameters by scrolling to the top of this page and clicking the bell icon on the far right-hand side of the stock overview.
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