SHALIBHADRA FINANCE LTD. Q1 FY26 Results

Summary

Shalibhadra Finance Ltd, a leading two-wheeler financier with a deep presence in the underbanked geographies of Western India, announced its unaudited financial results for the quarter ended June 30, 2025. The company reported a 35% YoY increase in Profit After Tax (PAT) to INR 46 million, driven by improved credit cost and operational efficiency. The Return on Equity (ROE) and Return on Assets (ROA) also improved. The company saw a 23% YoY growth in Assets Under Management (AUM) and a 31% YoY increase in disbursements. Credit cost declined significantly, and asset quality remained stable. The company has a robust capital position and a well-established on-ground presence. It also introduced the Shalibhadra Dealer Guarantee Scheme and approved a proposal to list its equity shares on the National Stock Exchange (NSE).

Key Highlights

1. 1

   35% YoY increase in PAT to INR 46 million

2. 2

   16% YoY increase in Net Interest Income (NII) to INR 84 million

3. 3

   11% YoY increase in Pre-Provisioning Operating Profit (PPOP) to INR 64 million

4. 4

   23% YoY growth in AUM to INR 1,825 million

5. 5

   31% YoY increase in disbursements to INR 314 million

6. 6

   Credit cost declined significantly to 1.0% in Q1 FY26 from 3.5% in the prior year

7. 7

   Capital Adequacy Ratio (CAR) stood at 87.0% as of June 30, 2025