Shalibhadra Finance Ltd. – Company Report
1. Company Overview
Shalibhadra Finance Ltd., established in 1992 and headquartered in Mumbai, Maharashtra, is a non-banking financial company (NBFC) listed on the Bombay Stock Exchange. With over three decades of experience, the company primarily focuses on providing asset-backed finance and retail lending to individuals and small businesses across rural, semi-urban, and under-banked regions of Gujarat, Maharashtra, and Madhya Pradesh. Shalibhadra Finance is recognized for delivering simple, speedy, and small-ticket financing products designed for rural India. It operates through a network of 50+ branches and employs around 175 staff members. The company’s Assets Under Management (AUM) exceed ₹180 crore, reflecting its solid market presence.
Key Highlights:
- Incorporated: 1992
- Headquarters: Mumbai, Maharashtra, India
- Certification: Registered NBFC, BSE-listed
- Core Focus: Rural and semi-urban retail asset financing
- Key Sectors Served: Two-wheeler, three-wheeler, four-wheeler sectors, consumer finance
- Branch Network: 50+ branches in western and central India
- Asset Under Management: Over ₹180 crore
- Employee Strength: Around 175
- Market Capitalization (July 2025): Approx. ₹400 crore
2. Products and Services
Shalibhadra Finance Ltd. offers a broad mix of financial products tailored for rural and underserved segments, ensuring customer-centric service and financial inclusion.
Product Categories:
- Loans for new and pre-owned two-wheelers
- Financing for used three-wheelers and four-wheelers
- Asset-backed loans for small commercial vehicles
- Consumer durable loans
- Personal and business loans (select segments)
Business Model and Technology:
- Simple, streamlined product structure for swift credit decisions and payouts
- Multiple disbursement and collection channels, including digital payments
End-Use Applications:
- Mobility and transport ownership in rural/semi-urban areas
- Small business capital expenditures and working capital needs
- Purchase of consumer durables and productivity assets
The company’s lending approach emphasizes speed, customization, and risk management, helping rural individuals and small businesses access formal credit channels.
3. Recent News and Financial Performance
Strategic and Operational Updates:
- Continued expansion in rural and semi-urban regions via branch growth
- Focus on digital processing for efficiency and client experience
- Increase in cash flows from financing activities, despite higher investments
- No major asset impairments reported in FY2025
4. Financial Performance (FY2025)
| Metric | FY2025 Value |
|---|---|
| Total Revenue | ₹36.49 crore |
| Net Profit | ₹16 crore |
| Operating Profit Margin | 71% |
| Earnings Per Share (EPS) | ₹5.2 |
| Return on Equity (ROE) | 13% |
| Dividend Payout % | 2% |