Shalibhadra Finance Ltd

📈 Shalibhadra Finance Ltd Reports Strong Growth: AUM Up 25% YoY, Targets ₹500 Cr by FY29

- FY26 AUM grew 25% YoY to ₹220 Cr from ₹176 Cr in FY25.

- PAT increased 21.67% YoY to ₹19.48 Cr.

- ROI at 8.65% & ROE at 11.33%.

- GNPA stable at 2.94%, CRAR strong at 78.28%.

- New lending segments added: micro-LAP, property loans, home loans, personal loans.

- ₹500 Cr AUM target by FY29, long-term ₹1,000 Cr goal.

- Branch expansion planned to 100 by FY27, entering Karnataka & Goa.

- 40% new loans from repeat customers (5 lakh credit-worthy base).

- Credit cost for new segments at ~1% vs. 2% for two-wheeler loans.

- Tech investments: 100% automated underwriting, digitization, AI.

- Funding strategy: Increase nationalized bank borrowing to 50-60%.