Shalibhadra Finance Ltd

Shalibhadra Finance Reports Strong Growth 📈 | Loan Book Hits ₹212 Cr with 31% YoY Growth

• Loan book reached ₹212 crore as of December 31, 2025

• 31% year-on-year growth recorded in FY2025

• Return on assets (RoA) maintained at 8.9% in FY2025 and 9M FY2026

• Capital adequacy ratio stands strong at 79.0% as of December 31, 2025

• Gearing ratio remains comfortable at 0.3x

• Gross NPAs at 3.0% and net NPAs at 1.2% as of December 31, 2025

• 54% of loan book concentrated in Gujarat as of December 31, 2025

• Maintains focus on two-wheeler financing sector

• Adequate liquidity with ₹7.3 crore in unencumbered cash

• Contingent tax liability of ₹7.79 crore related to demonetization pending resolution