Supra Pacific Financial Services Ltd. has reported strong growth in its second quarter financial results for FY 2025-26, demonstrating robust performance across key financial metrics.

Financial Highlights

The Non-Banking Financial Company (NBFC) has shown significant growth in various aspects of its business:

Operational Performance

Supra Pacific's operational metrics also show improvement:

• EBITDA: Increased by 108% year-over-year to ₹11.45 crore
• Capital Adequacy Ratio (CRAR): 31.92%
• Gross Non-Performing Assets (GNPA): 1.51%
• Net Non-Performing Assets (NNPA): 0.91%
• Debt-Equity Ratio: 3.52%

Geographical Expansion

The company has expanded its presence across multiple states:

Management Commentary

The company's management attributes this performance to several factors:

1. Market momentum leading to AUM expansion
2. Effective deployment of capital into high-quality, yield-accretive assets
3. Improved operational leverage and cost management
4. Prudent risk management practices maintaining low NPA levels

Future Outlook

Supra Pacific Financial Services plans to focus on:

• Portfolio growth through geographical expansion
• Maintaining asset quality with prudent risk management
• Enhancing operational efficiency
• Optimizing capital structure to fund growth

About Supra Pacific Financial Services Ltd.

Established in 1986, Supra Pacific Financial Services Ltd. is an NBFC offering financial products including gold loans, auto loans, business loans, microfinance, insurance, and investment options. The company focuses on financial inclusion, using technology to serve underserved communities in India with accessible financial services.

Supra Pacific Financial Services Limited (SPFSL) has released its business updates for the quarter and half year ended September 30, 2025, showcasing a diverse loan portfolio and significant disbursements.

Loan Portfolio Breakdown

SPFSL reported a total loan principal outstanding of ₹308.92 crore, diversified across various loan categories:

Disbursements and Operational Reach

The company disclosed impressive disbursement figures:

• Quarterly disbursement: ₹213.00 crore
• Half-yearly disbursement: ₹451.00 crore

SPFSL's operational footprint spans 82 branches across four states, indicating a significant regional presence.

Financial Health Indicators

The company reported a Gross Non-Performing Asset (NPA) of ₹4.78 crore as of September 30, 2025. This figure provides insight into the quality of SPFSL's loan portfolio.

Borrowing Structure

SPFSL's total borrowings stood at ₹261.03 crore, structured as follows:

Regulatory Compliance

In compliance with SEBI regulations, SPFSL has submitted the required certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended September 2025. This submission confirms the company's adherence to regulatory standards regarding dematerialization of securities and listing on stock exchanges.

It's important to note that the financial data provided is provisional and subject to review by the company's statutory auditors. Investors and stakeholders should consider this when analyzing the company's performance.

SPFSL's diverse loan portfolio, substantial disbursements, and structured borrowing indicate a robust operational model. However, the company's performance in managing its NPAs and its ability to sustain growth in various loan segments will be crucial factors to watch in the coming quarters.