SBFC Finance has announced its unaudited financial results for Q3 FY26, reporting a net profit of ₹1,180.40 million. The company’s total revenue from operations reached ₹4,255.66 million. The gross NPA stands at 2.71%. The results showcase sustained growth and operational efficiency for the quarter ended December 31, 2025.
Financial Performance
SBFC Finance reported a net profit of ₹1,180.40 million for Q3 FY26, compared to ₹880.78 million in the corresponding quarter of the previous year. The total income for the quarter was ₹4,258.14 million.
For the nine months ended December 31, 2025, the company’s net profit stood at ₹3,280.66 million, with total income at ₹12,253.60 million.
Key Financial Metrics
Key financial ratios as of December 31, 2025, include:
- Debt-equity ratio: 1.97 times
- Gross Non-Performing Assets (GNPA): 2.71%
- Net Non-Performing Assets (NNPA): 1.48%
- Provision coverage ratio: 46.21%
- Capital to risk-weighted assets ratio: 31.70%
Operational Highlights
The company’s revenue from operations for Q3 FY26 was ₹4,255.66 million, including ₹3,973.09 million from interest income. Impairment on financial instruments was reported at ₹326.74 million for the quarter.
SBFC Finance has also disclosed details of stressed loans transferred to ARCs, with an aggregate principal outstanding of ₹632.40 million across 911 accounts.
Security Cover
The company maintains sufficient security cover in respect of the secured listed non-convertible debentures. The security cover certificate as of December 31, 2025, is enclosed with the announcement. The Company has maintained 1.10x asset cover.
Utilization of Issue Proceeds
There has been no deviation in the use of proceeds from Non-Convertible Debentures during Q3 FY26. The funds are being utilized for on-lending to secured micro, small, and medium enterprises and gold loans.
Source: BSE
