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SBFC Finance Limited is a non-banking finance company that provides secured MSME loans and loans against gold. The company primarily serves entrepreneurs, small business owners, self-employed individuals, and salaried workers. SBFC uses a PhyGital model, combining digital technology with personal relationships. They offer loan management services to institutional lenders, handling aspects such as client relations, collections, payments, porting, and data storage. The company also manages repayment modes, transfers EMIs between accounts, and provides support for delinquent loans. SBFC Finance Limited was originally incorporated in 2008 and underwent several name changes before becoming a public limited company in 2022. They recently completed an IPO in August 2023, raising Rs. 1025 Crore.
Company insights, generated from the most recent coverage.
Shareholders approved borrowing limit increase from ₹10,000 Cr to ₹16,000 Cr at AGM — provides significant capital headroom for aggressive AUM growth.
Appointment of new CFO Sanket Agrawal and Head of Internal Audit signals management refresh and strengthened governance framework.
100% secured lending portfolio with provisioning at 2x regulatory minimum (1.91%) indicates conservative risk management and low credit risk.