Shalibhadra Finance Limited reported a 25% year-on-year growth in assets under management (AUM) to ₹220 crore for FY26, up from ₹176 crore in FY25. The company’s net profit after tax (PAT) increased 21.67% to ₹19.48 crore, driven by a robust return on investment (ROI) of 8.65% and a return on equity (ROE) of 11.33%. Management disclosed these figures during the Q4 and FY26 earnings conference call held on June 1, 2026.

Financial Performance and Asset Quality

The company maintained a nearly 100% secured book with a gross non-performing asset (GNPA) ratio of 2.94%. Its capital to risk-weighted assets ratio (CRAR) stood strong at 78.28%, providing substantial headroom for scaling without equity dilution. The net worth of the company is reported at ₹172 crore.

Strategic Growth Drivers

Shalibhadra Finance is executing a 'Shalibhadra 2.0' strategy anchored on three pillars: capital strength, technology, and branch expansion. The company aims to reach an AUM of ₹500 crore by FY29 and ₹1,000 crore in the near future without further equity dilution. To achieve this, it is expanding its product portfolio beyond vehicle finance to include micro-loans against property (LAP), home loans, and personal loans.

Operational Metrics and Guidance

Management provided specific guidance on portfolio mix and efficiency. As the company scales, the return on assets (ROA) is expected to moderate from the current 8.65% to around 7% within the next two to three years due to the inclusion of higher-ticket segments like LAP and home loans. The cost of borrowing is projected to decrease as the share of nationalized bank funding rises from the current 40% to a target of 60% by FY29.

Expansion Plans

The company currently operates 61 branches and targets 100 branches by FY29, with a specific goal of reaching 70 branches by the current calendar year end. The capex per branch is approximately ₹20 lakh, with branches typically breaking even at an AUM of ₹50 lakh within 1 to 1.5 years. New branches are being deployed in regions such as Saurashtra in Gujarat, Bhopal in Madhya Pradesh, and Nagpur in Maharashtra, alongside selective entry into Karnataka and Goa.

Source: https://lodr-files.dhan.co/lodr-inputs/Company/INE861D01011/1015f6869b414a17.pdf

Ayushi Doshi, a member of the promoter group at Shalibhadra Finance Limited , has increased her shareholding in the company through an open market acquisition. The transaction involved the purchase of 1,00,000 equity shares on June 5, 2026, raising her total stake to 2.77% of the paid-up share capital. This disclosure was made in compliance with Regulation 7(2) of the SEBI (Prohibition of Insider Trading) Regulations, 2015.

The acquisition was executed on the Bombay Stock Exchange, with the shares purchased at a total consideration of ₹82,94,696.12. Following this transaction, Ayushi Doshi's holding increased from 7,54,100 shares to 8,54,100 shares. The promoter group member's move signals continued confidence in the non-banking financial company's performance and future prospects.

Transaction Details

The specifics of the share purchase by the promoter group member are detailed below:

Holding Pattern

The table below outlines the change in the shareholding pattern of Ayushi Doshi post-acquisition:

The filing confirmed that the total equity share capital of Shalibhadra Finance Limited stands at 30,88,84,000 shares. There were no transactions in the derivatives segment by the promoter group member during the reporting period.