SHALIBHADRA FINANCE LTD. Q3 FY26 Results

O3FY26 marks an important milestone for us as we crossed the 200 Crore AUM mark, closing the quarter at 212.49 Crores. This reflects the strength of our distribution network, underwriting discipline, and improving demand environment. We remain confident of achieving our %220 Crore AUM target by the end of FY26. The acceleration in disbursements during the quarter was supported by improved two-wheeler affordability following the GST reduction, which led to stronger vehicle sales and higher credit demand across our operating markets. The growth witnessed is broad-based and execution- driven. The growth in AUM during the quarter has been partly funded through incremental borrowings, which has resulted in a moderation in capital adequacy. Our asset quality remains stable, with GNPA at 3.01% in Q3FY26, reflecting disciplined underwriting and consistent monitoring despite accelerated growth in the loan book However, the capital position remains comfortable and provides adequate headroom for planned expansion. With strengthened branch presence, enhanced manpower, and strong pipeline visibility entering O04, we expect business momentum to remain healthy while maintaining a balanced approach towards growth, asset quality, and capital prudence.”