SBFC FINANCE LIMITED

SBFC Finance Limited held its Q1 FY27 Earnings Conference Call on July 25, 2026, where management discussed various aspects of the company's performance. Aseem Dhru, Executive Vice Chairman, noted improvements in credit market standing, leading to lower borrowing costs, which decreased by 90 basis points year-on-year. Mahesh Dayani, MD & CEO, highlighted challenges such as regulatory changes affecting MSME disbursements and increased competition, yet reported a 6% growth in AUM for the quarter. The company maintained a focus on disciplined pricing and risk management, with a PAT of INR 130 crores, reflecting a 29% year-on-year increase. CFO Sanket Agrawal provided details on financial metrics, including a cost of borrowing at 8.42% and a GNPA of 2.66%. The management emphasized a cautious approach to growth amid market uncertainties, aiming for steady momentum rather than rapid expansion.

The management presented a balanced view of performance, acknowledging challenges while reporting growth.