India's Most Valuable Companies 2023 edition · Source: Hurun India
Rank#415- Valuation
- ₹8,891 Cr
Market Cap
₹8,920 Cr
SBFC · NSE
Share Price
₹79.27
-1.18% today
Revenue
₹1,306 Cr
FY 2024-25 · +28.2% YoY
EBITDA
₹896 Cr
Margin 68.6%
Net Profit
₹346 Cr
FY 2024-25 · +45.7% YoY
P/E (TTM)
26.7x
P/B 2.9x
ROE
11.6%
ROCE 11.6%
Debt / Equity
1.55
Interest cover 47.9x
About SBFC Finance Limited
Data last updated:
SBFC Finance Limited is a public limited company based in Mumbai, Maharashtra, India, a subsidiary of Sbfc Holdings Pte. Ltd.. It operates in the financial services and investment segment of the financial services sector. It was incorporated on 25 January 2008 and has been in existence for over 18 years.
The company is registered with the Registrar of Companies (ROC), Mumbai, under CIN L67190MH2008PLC178270. Its GSTIN is 29AAFCM3855R1ZL (Karnataka). The company holds 15 GST registrations, all of them active. It is a listed company as per MCA records. Its shares are listed on BSE: 543959 and NSE: SBFC.
The company has an authorised share capital of ₹1,300 Cr and a paid-up capital of ₹1,109.02 Cr. It was formerly known as Small Business Fincredit Private Limited and Small Business Fincredit India Private Limited. It is led by directors including Mahesh Kanyalal Dayani (Managing Director) and Aseem Dhru (Whole-Time Director).
Its last annual general meeting (AGM) was held on 14 July 2026, and its latest financial statements are for the year ended 31 March 2026. The registered office is at Mumbai, Maharashtra.
As per the latest standalone financials for FY 2025-26, the company reported a revenue of ₹1,678.82 Cr, a growth of 28.6% compared to the previous year. For the same year it recorded a net profit of ₹451.12 Cr (net margin 26.9%) and EBITDA of ₹1,162.22 Cr (EBITDA margin 69.2%). The net worth stands at ₹3,725.15 Cr (up 16.8% YoY). Total assets are valued at ₹10,887 Cr (up 28.8% YoY).
The company has about 3,627 employees on its provident fund (EPFO) records. Its group structure includes 1 subsidiary.
The company is associated with 1 brand: SBFC. As per MCA filings, the company has open charges of ₹13,500 Cr and satisfied charges of ₹1,975.77 Cr on record. Court records list 6,964 cases involving the company, including 6,690 filed by the company and 275 filed against it; 3,065 cases are pending. The company has 26 deals on record (10 secondary share transfers, 8 market trades, 5 funding rounds), with disclosed funding of ₹524.67 Cr; the latest was in September 2026. Its 4 peer companies in the BFSI industry (Finance, NBFC), with the same principal business activity (other financial activities) are compared by revenue, 3 larger and 1 smaller; the largest is Protium Finance Limited with revenue of ₹1,075.61 Cr. The company has 2 MSME Form 1 returns on record for the period ending Sep 2023, listing 90 overdue payments to 17 micro and small suppliers.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website sbfc.com.
Company details
CIN L67190MH2008PLC178270
Registration Number 178270
Incorporation Date 25 January 2008
ROC Mumbai
Listing Status Listed - Listed on NSE (SBFC); Listed on BSE (543959)
Company Status Active
Date of Last AGM 14 July 2026
Date of Balance Sheet 31 March 2026
Parent Company Sbfc Holdings Pte. Ltd.
Compliance Status Active Compliant
Name history
SBFC Finance has undergone 8 name changes throughout its history. The current legal name is Sbfc Finance Limited.
| Company Name | Status |
|---|---|
| SBFC Finance Limited | Current |
| Small Business Fincredit Private Limited | Previous |
| Small Business Fincredit India Private Limited | Previous |
| Small Business Finance Private Limited | Previous |
| Sbfc Finance Private Limited | Previous |
| Sbfc India Private Limited | Previous |
| Sbfc Private Limited | Previous |
| Mape Finserve Private Limited | Previous |
| Small Business Credit Private Limited | Previous |
CIN history
SBFC Finance has 2 previous CINs, indicating changes in the company's corporate structure or registration details. The current CIN is L67190MH2008PLC178270, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L67190MH2008PLC178270 | Current |
| U67190MH2008PTC178270 | Previous |
| U67190MH2008PLC178270 | Previous |
Key People
Mahesh Kanyalal Dayani Managing Director Aseem Dhru Whole-Time Director John Mescall Nominee Director Recognitions & Rankings of SBFC Finance
Contact details
SBFC Finance Limited's registered office is in Mumbai, Maharashtra. Its website is sbfc.com. Its e-mail address and telephone number are in the company report.
- Email
- Telephone
- Website
- Social Media
- Apps
- Registered Address103 1st Floor C&B Square Sangam Complex Andheri Kurla Road Village Chakalaandhe, Ri (East), Mumbai, Maharashtra, India – 400059
- IndustryFinancial Services, Financial Activities
To see the full contact details of SBFC Finance Limited, buy the company report.
Comprehensive company report
SBFC Finance Limited - one report that includes everything
- Company details, directors and signatories
- Historical financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Legal cases, compliance and MCA filings
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Secure checkout · GST invoice included
Business activity
The main business activity of SBFC Finance is financial and insurance service. In detail, this covers other financial activities.
| Main activity group code | Main activity | Business activity code | Business activity | Share of turnover |
|---|---|---|---|---|
| K | Financial and insurance Service | K8 | Other financial activities |
To see the full business activity and turnover split of SBFC Finance Limited, buy the company report.
Financials of SBFC Finance Limited
FY 2025-26 filings availableSBFC Finance Limited reported revenue of ₹1,678.82 Cr (up 28.6% YoY) for FY 2025-26.
Financial Highlights
FY 2024-25 · ConsolidatedRevenue
₹1,306 Cr
+28.2% YoY
EBITDA
₹896 Cr
+31.5% YoY
Profit After Tax
₹346 Cr
+45.7% YoY
Net Worth
₹3,190 Cr
+14.8% YoY
Total Assets
₹8,454 Cr
+24.8% YoY
Total Debt
₹5,264 Cr
+31.7% YoY
Revenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | 1,306 | 1,019 | 734 | 529 |
| Revenue growth | +28.2% | +38.8% | +38.8% | - |
| EBITDA | 896 | 681 | 486 | 319 |
| EBITDA margin | +68.6% | +66.9% | +66.2% | +60.3% |
| Profit before tax | 459 | 316 | 201 | 86.71 |
| Net profit | 346 | 237 | 150 | 64.77 |
| Net profit margin | +26.5% | +23.3% | +20.5% | +12.2% |
| EPS (₹) | 3.18 | 2.21 | 1.68 | 0.80 |
| Balance sheet | ||||
| Total assets | 8,454 | 6,774 | 5,466 | 4,227 |
| Net worth | 3,190 | 2,778 | 1,727 | 1,287 |
| Total debt | 5,264 | 3,996 | 3,739 | 2,940 |
| Cash & bank | 429 | 487 | 401 | 335 |
| Net working capital | 316 | 241 | 160 | 117 |
| Cash flow | ||||
| Cash from operations | (1,415) | (1,155) | (1,245) | (822) |
| Cash from investing | 174 | 159 | 206 | 652 |
| Cash from financing | 1,281 | 1,037 | 1,071 | 183 |
| Particulars | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 361 | 334 | 314 | 298 | 279 | 264 | 246 | 230 |
| Revenue growth (YoY) | +29.3% | +26.4% | +27.6% | +29.7% | - | - | - | - |
| Other income | 0.22 | 0.08 | 0.28 | 0.01 | 0.65 | 0.09 | 0.20 | 0.34 |
| EBITDA | 248 | 228 | 214 | 204 | 188 | 173 | 163 | 154 |
| EBITDA margin | +68.9% | +70.2% | +70.9% | +71.0% | +68.3% | +67.7% | +68.0% | +69.0% |
| Depreciation | 4.56 | 4.65 | 3.85 | 3.76 | 3.63 | 3.42 | 3.25 | 3.12 |
| Interest | 118 | 106 | 100 | 94.76 | 88.30 | 84.58 | 89.16 | 88.61 |
| Profit before tax | 125 | 118 | 110 | 105 | 97.22 | 85.50 | 70.62 | 62.77 |
| Tax | 31.25 | 29.49 | 26.23 | 26.47 | 23.54 | 21.66 | 18.02 | 15.82 |
| Net profit | 93.95 | 88.28 | 84.15 | 78.90 | 73.68 | 63.84 | 52.60 | 46.95 |
| EPS (₹) | 0.85 | 0.80 | 0.77 | 0.72 | 0.67 | 0.58 | 0.51 | 0.49 |
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 1,679 | 1,305 | 1,019 | 734 | 529 | 510 | 445 |
| Revenue growth | +28.6% | +28.1% | +38.8% | +38.8% | +3.7% | +14.8% | - |
| EBITDA | 1,162 | 895 | 681 | 486 | 319 | 362 | 311 |
| EBITDA margin | +69.2% | +68.6% | +66.8% | +66.2% | +60.3% | +70.9% | +69.9% |
| Profit before tax | 604 | 459 | 316 | 201 | 86.71 | 114 | 58.61 |
| Net profit | 451 | 346 | 237 | 150 | 64.77 | 85.09 | 35.49 |
| Net profit margin | +26.9% | +26.5% | +23.3% | +20.5% | +12.2% | +16.7% | +8.0% |
| EPS (₹) | 4.08 | 3.18 | 2.21 | 1.68 | 0.80 | 1.07 | 0.48 |
| Balance sheet | |||||||
| Total assets | 10,887 | 8,454 | 6,774 | 5,466 | 4,227 | 3,973 | 4,068 |
| Net worth | 3,725 | 3,190 | 2,778 | 1,727 | 1,287 | 1,205 | 1,012 |
| Total debt | 7,162 | 5,264 | 3,996 | 3,739 | 2,940 | 2,768 | 3,056 |
| Cash & bank | 645 | 429 | 466 | 401 | 335 | 341 | 416 |
| Net working capital | 557 | 316 | 220 | 160 | 117 | 141 | 371 |
| Cash flow | |||||||
| Cash from operations | (1,893) | (1,415) | (1,155) | (1,245) | (822) | (275) | (383) |
| Cash from investing | 131 | 176 | 158 | 206 | 652 | 375 | (1,863) |
| Cash from financing | 1,977 | 1,281 | 1,037 | 1,071 | 183 | (187) | 2,291 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 491 | 454 | 426 | 411 | 388 | 361 | 333 | 314 |
| Revenue growth (YoY) | +26.5% | +25.9% | +27.7% | +30.9% | +30.6% | - | - | - |
| Other income | 0.10 | 0.11 | 0.25 | 0.22 | 0.11 | 0.60 | 0.09 | 0.30 |
| Total expenses | 160 | 138 | 127 | 131 | 123 | 113 | 105 | 99.83 |
| EBITDA | 331 | 316 | 299 | 280 | 266 | 248 | 228 | 214 |
| EBITDA margin | +67.7% | +70.0% | +70.4% | +68.3% | +68.6% | +69.0% | +70.1% | +69.7% |
| Depreciation | 4.85 | 5.01 | 4.99 | 5.08 | 5.04 | 4.56 | 4.65 | 3.85 |
| Interest | 152 | 147 | 136 | 129 | 125 | 118 | 106 | 100 |
| Profit before tax | 174 | 164 | 158 | 146 | 136 | 126 | 117 | 110 |
| Tax | 44.00 | 41.36 | 39.83 | 36.75 | 34.81 | 31.40 | 29.39 | 26.15 |
Financial Statements
Figures in ₹ Cr; negatives in brackets. Updated 23 Oct 2026
| Particulars | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 361 | 334 | 314 | 298 | 279 | 264 | 246 | 230 |
| Revenue growth (YoY) | +29.3% | +26.4% | +27.6% | +29.7% | - | - | - | - |
| Other income | 0.22 | 0.08 | 0.28 | 0.01 | 0.65 | 0.09 | 0.20 | 0.34 |
| EBITDA | 248 | 228 | 214 | 204 | 188 | 173 | 163 | 154 |
| EBITDA margin | +68.9% | +70.2% | +70.9% | +71.0% | +68.3% | +67.7% | +68.0% | +69.0% |
| Depreciation | 4.56 | 4.65 | 3.85 | 3.76 | 3.63 | 3.42 | 3.25 | 3.12 |
| Interest | 118 | 106 | 100 | 94.76 | 88.30 | 84.58 | 89.16 | 88.61 |
| Profit before tax | 125 | 118 | 110 | 105 | 97.22 | 85.50 | 70.62 | 62.77 |
| Tax | 31.25 | 29.49 | 26.23 | 26.47 | 23.54 | 21.66 | 18.02 | 15.82 |
| Net profit | 93.95 | 88.28 | 84.15 | 78.90 | 73.68 | 63.84 | 52.60 | 46.95 |
| EPS (₹) | 0.85 | 0.80 | 0.77 | 0.72 | 0.67 | 0.58 | 0.51 | 0.49 |
| Particulars | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Revenue | 1,306 | 1,019 | 734 | 529 |
| Revenue growth | +28.2% | +38.8% | +38.8% | - |
| Other income | 0.59 | 0.85 | 5.95 | 1.61 |
| Total expenses | 410 | 338 | 248 | 210 |
| Employee cost | 253 | 217 | 160 | 110 |
| EBITDA | 896 | 681 | 486 | 319 |
| EBITDA margin | +68.6% | +66.9% | +66.2% | +60.3% |
| Depreciation | 16.81 | 13.41 | 12.71 | 11.78 |
| Interest | 421 | 352 | 278 | 222 |
| Profit before tax | 459 | 316 | 201 | 86.71 |
| Tax | 113 | 79.04 | 51.63 | 22.17 |
| Net profit | 346 | 237 | 150 | 64.77 |
| Net profit margin | +26.5% | +23.3% | +20.5% | +12.2% |
| EPS (₹) | 3.18 | 2.21 | 1.68 | 0.80 |
| Particulars | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Equity & liabilities | ||||
| Share capital | 1,085 | 1,072 | 890 | 807 |
| Reserves & surplus | 2,101 | 1,706 | 838 | 480 |
| Shareholders' funds (net worth) | 3,190 | 2,778 | 1,727 | 1,287 |
| Minority interest | 0.00 | 0.00 | 0.00 | 0.00 |
| Secured loans | 5,264 | 3,996 | 3,739 | 2,940 |
| Unsecured loans | 0.00 | 0.00 | 0.00 | 0.00 |
| Total debt | 5,264 | 3,996 | 3,739 | 2,940 |
| Total liabilities | 8,454 | 6,774 | 5,466 | 4,227 |
| Assets | ||||
| Gross block | 358 | 344 | 328 | 328 |
| Net block | 308 | 300 | 296 | 299 |
| Capital work in progress | 0.58 | 1.53 | 0.75 | 0.00 |
| Investments | 327 | 406 | 607 | 848 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 14.81 | 14.58 | 10.83 | 8.27 |
| Cash & bank balances | 429 | 487 | 401 | 335 |
| Loans & advances | 12.20 | 17.29 | 15.76 | 41.56 |
| Total current assets | 456 | 519 | 427 | 385 |
| Total current liabilities | 140 | 278 | 268 | 269 |
| Net working capital | 316 | 241 | 160 | 117 |
| Total assets | 8,454 | 6,774 | 5,466 | 4,227 |
| Particulars | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Opening cash | 225 | 184 | 151 | 138 |
| Net cash from operating activities | (1,415) | (1,155) | (1,245) | (822) |
| Net cash from investing activities | 174 | 159 | 206 | 652 |
| Net cash from financing activities | 1,281 | 1,037 | 1,071 | 183 |
| Net change in cash | 40.19 | 41.40 | 32.33 | 13.20 |
| Closing cash | 429 | 487 | 401 | 335 |
| Particulars | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 |
|---|---|---|---|---|
| Growth | ||||
| Sales growth | +28.2% | +38.8% | +38.8% | - |
| EBITDA growth | +31.5% | +40.1% | +52.5% | - |
| PBT growth | +45.1% | +57.0% | +132.3% | +9997.0% |
| Net income growth | +45.7% | +57.8% | +132.1% | - |
| Revenue CAGR (3Y) | +35.2% | - | - | - |
| EBITDA CAGR (3Y) | +41.1% | - | - | - |
| Profitability & leverage | ||||
| Net income margin | +26.4% | +23.3% | +20.4% | +12.2% |
| Return on capital employed | +11.6% | +10.9% | +9.9% | +7.3% |
| Return on net worth | +11.6% | +10.5% | +9.9% | +5.0% |
| Debt / equity | 1.55 | 1.72 | 2.22 | 2.28 |
| Long-term debt / equity | 1.55 | 1.70 | 2.20 | 2.28 |
| Interest cover | 47.87 | 52.79 | 58.74 | 72.30 |
| Efficiency & per share | ||||
| Fixed asset turnover | 3.73 | 3.04 | 0.00 | 0.00 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 88.92 | 80.28 | 0.00 | 0.00 |
| EPS (₹) | 3.18 | 2.21 | 1.68 | 0.80 |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 29.36 | 25.92 | 19.42 | 15.95 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 491 | 454 | 426 | 411 | 388 | 361 | 333 | 314 |
| Revenue growth (YoY) | +26.5% | +25.9% | +27.7% | +30.9% | +30.6% | - | - | - |
| Other income | 0.10 | 0.11 | 0.25 | 0.22 | 0.11 | 0.60 | 0.09 | 0.30 |
| Total expenses | 160 | 138 | 127 | 131 | 123 | 113 | 105 | 99.83 |
| EBITDA | 331 | 316 | 299 | 280 | 266 | 248 | 228 | 214 |
| EBITDA margin | +67.7% | +70.0% | +70.4% | +68.3% | +68.6% | +69.0% | +70.1% | +69.7% |
| Depreciation | 4.85 | 5.01 | 4.99 | 5.08 | 5.04 | 4.56 | 4.65 | 3.85 |
| Interest | 152 | 147 | 136 | 129 | 125 | 118 | 106 | 100 |
| Profit before tax | 174 | 164 | 158 | 146 | 136 | 126 | 117 | 110 |
| Tax | 44.00 | 41.36 | 39.83 | 36.75 | 34.81 | 31.40 | 29.39 | 26.15 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 1,679 | 1,305 | 1,019 | 734 | 529 | 510 | 445 |
| Revenue growth | +28.6% | +28.1% | +38.8% | +38.8% | +3.7% | +14.8% | - |
| Other income | 0.68 | 0.99 | 0.85 | 5.95 | 1.61 | 1.16 | 0.18 |
| Total expenses | 517 | 410 | 338 | 248 | 210 | 149 | 134 |
| Employee cost | 286 | 253 | 217 | 160 | 110 | 84.18 | 73.63 |
| EBITDA | 1,162 | 895 | 681 | 486 | 319 | 362 | 311 |
| EBITDA margin | +69.2% | +68.6% | +66.8% | +66.2% | +60.3% | +70.9% | +69.9% |
| Depreciation | 20.11 | 16.81 | 13.41 | 12.71 | 11.78 | 9.54 | 8.18 |
| Interest | 539 | 421 | 352 | 278 | 222 | 239 | 244 |
| Profit before tax | 604 | 459 | 316 | 201 | 86.71 | 114 | 58.61 |
| Tax | 153 | 113 | 79.04 | 51.65 | 22.17 | 29.05 | 23.12 |
| Net profit | 451 | 346 | 237 | 150 | 64.77 | 85.09 | 35.49 |
| Net profit margin | +26.9% | +26.5% | +23.3% | +20.5% | +12.2% | +16.7% | +8.0% |
| EPS (₹) | 4.08 | 3.18 | 2.21 | 1.68 | 0.80 | 1.07 | 0.48 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 1,106 | 1,085 | 1,072 | 890 | 807 | 797 | 742 |
| Reserves & surplus | 2,619 | 2,101 | 1,706 | 838 | 480 | 408 | 270 |
| Shareholders' funds (net worth) | 3,725 | 3,190 | 2,778 | 1,727 | 1,287 | 1,205 | 1,012 |
| Secured loans | 7,162 | 5,264 | 3,996 | 3,739 | 2,940 | 2,768 | 3,056 |
| Unsecured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total debt | 7,162 | 5,264 | 3,996 | 3,739 | 2,940 | 2,768 | 3,056 |
| Total liabilities | 10,887 | 8,454 | 6,774 | 5,466 | 4,227 | 3,973 | 4,068 |
| Assets | |||||||
| Gross block | 379 | 358 | 344 | 328 | 328 | 319 | 305 |
| Net block | 314 | 308 | 300 | 296 | 299 | 301 | 294 |
| Capital work in progress | 1.87 | 0.58 | 1.53 | 0.75 | 0.00 | 0.33 | 0.00 |
| Investments | 192 | 327 | 427 | 607 | 848 | 1,484 | 1,879 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 20.29 | 14.81 | 14.58 | 10.83 | 8.27 | 3.89 | 3.42 |
| Cash & bank balances | 645 | 429 | 466 | 401 | 335 | 341 | 416 |
| Loans & advances | 90.38 | 12.26 | 17.54 | 15.82 | 41.56 | 30.03 | 67.59 |
| Total current assets | 756 | 456 | 498 | 427 | 385 | 375 | 487 |
| Total current liabilities | 199 | 140 | 278 | 268 | 269 | 234 | 115 |
| Net working capital | 557 | 316 | 220 | 160 | 117 | 141 | 371 |
| Total assets | 10,887 | 8,454 | 6,774 | 5,466 | 4,227 | 3,973 | 4,068 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 265 | 224 | 184 | 151 | 138 | 225 | 180 |
| Net cash from operating activities | (1,893) | (1,415) | (1,155) | (1,245) | (822) | (275) | (383) |
| Net cash from investing activities | 131 | 176 | 158 | 206 | 652 | 375 | (1,863) |
| Net cash from financing activities | 1,977 | 1,281 | 1,037 | 1,071 | 183 | (187) | 2,291 |
| Net change in cash | 216 | 41.21 | 40.43 | 32.28 | 13.20 | (86.80) | 44.99 |
| Closing cash | 645 | 429 | 466 | 401 | 335 | 341 | 416 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +28.6% | +28.1% | +38.8% | +38.8% | +3.7% | +14.8% | - |
| EBITDA growth | +29.8% | +31.4% | +40.0% | +52.5% | -11.8% | +16.4% | - |
| PBT growth | +31.6% | +45.1% | +56.9% | +132.3% | -24.0% | +94.6% | +67.5% |
| Net income growth | +30.6% | +45.7% | +57.7% | +132.1% | -23.9% | +139.8% | - |
| Revenue CAGR (3Y) | +31.7% | +35.1% | +25.9% | +18.2% | +44.2% | - | - |
| EBITDA CAGR (3Y) | +33.7% | +41.1% | +23.5% | +16.1% | +54.0% | - | - |
| Profitability & leverage | |||||||
| Net income margin | +26.9% | +26.5% | +23.3% | +20.4% | +12.2% | +16.7% | +8.0% |
| Return on capital employed | +11.8% | +11.6% | +10.9% | +9.9% | +7.5% | +8.8% | +7.4% |
| Return on net worth | +13.0% | +11.6% | +10.5% | +9.9% | +5.2% | +7.7% | +3.5% |
| Debt / equity | 1.80 | 1.55 | 1.72 | 2.22 | 2.29 | 2.63 | 3.02 |
| Long-term debt / equity | 1.76 | 1.55 | 1.70 | 2.20 | 2.29 | 2.63 | 3.02 |
| Interest cover | 47.21 | 47.91 | 52.79 | 58.73 | 72.30 | 67.94 | 80.69 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 4.56 | 3.72 | 3.04 | 2.26 | 1.64 | 1.64 | 1.46 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 95.70 | 88.88 | 80.27 | 77.52 | 87.29 | 139.96 | 130.07 |
| EPS (₹) | 4.08 | 3.18 | 2.21 | 1.68 | 0.80 | 1.07 | 0.48 |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 33.69 | 29.36 | 25.92 | 19.42 | 15.95 | 15.13 | 13.64 |
To see the full year-wise statements and ratios of SBFC Finance Limited, buy the company report.
Board of directors of SBFC Finance Limited
SBFC Finance has 9 current directors and 19 former directors. Current directors are listed first, with their designation and appointment date.
Current Directors
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| John Mescall Also directs: SBFC Home Finance Private Limited | Nominee Director | 29 May 2019 | 7 Years 4 Months | Current |
| Neeraj Swaroop | Director | 21 Nov 2017 | 8 Years 11 Months | Current |
| Aseem Dhru | Whole-Time Director | 28 Sep 2017 | 9 Years 0 Months | Current |
| Jonathan Tadeusz Tatur | Nominee Director | 17 Dec 2019 | 6 Years 10 Months | Current |
| Surekha Marandi Also directs: Satya Microcapital Limited, Grassroot Trading Network for Women | Director | 23 Sep 2022 | 4 Years 1 Months | Current |
| Leroy James Langeveld | Nominee Director | 26 Apr 2025 | 1 Years 5 Months | Current |
Showing 6 of 9 current directors. View all directors
Peer comparison
SBFC Finance Limited is compared with the 4 companies closest to it by revenue in the BFSI industry (Finance, NBFC), with the same principal business activity (other financial activities), from the latest filed financials of each company.
| Company | Revenue | Net profit | Margin | Growth (1 yr) | Employees | Location |
|---|---|---|---|---|---|---|
| SBFC Finance Limitedthis company | ₹1,678.82 Cr (FY 2026) | ₹451.12 Cr | 26.9% | 28.6% | 3,627 | Mumbai, Maharashtra, India |
| Protium Finance Limited | ₹1,075.61 Cr (FY 2025) | 42.0% | Mumbai, Maharashtra, India | |||
| Gic Housing Finance Limited | ₹1,069.68 Cr (FY 2024) | -5.0% | Mumbai, Maharashtra, India | |||
| Grihum Housing Finance Limited | ₹1,045.65 Cr (FY 2024) | 46.0% | Pune, Maharashtra, India | |||
| Sundaram Home Finance Limited | ₹956.99 Cr (FY 2022) | -8.0% | Chennai, Tamil Nadu, India |
To see the full peer comparison of SBFC Finance Limited, buy the company report.
Auditor
SBFC Finance Limited is audited by Price Waterhouse Chartered Accountants LLP for the financial year 2018.
| Auditor firm | Financial year | Firm registration number |
|---|---|---|
| Price Waterhouse Chartered Accountants LLP | FY 2018 | 012754N/N500016 |
Shareholding
Shareholding for the quarter ended Sep 2026: promoters hold 52.30%, foreign institutional investors hold 7.20%, domestic institutional investors hold 20.70% and retail and other public shareholders hold 19.80%.
Sep 2026
QUARTER
52.30% Promoters
20.70% DII (Domestic Institutional)
7.20% FII (Foreign Institutional)
19.80% Retail & Others
Promoter holding - history
Now 52.30% · Sep 2026High 53.00% · Dec 2025Low 52.30% · Sep 2026
Shareholding trend - last 6 quarters
| Sep 2026 | Jun 2026 | Mar 2026 | Dec 2025 | |
|---|---|---|---|---|
| Promoters | 52.30% | 52.40% | 52.80% | 53.00% |
| Public | 47.70% | 47.60% | 47.20% | 47.00% |
Charges & borrowings
Open charges
₹13,500 Cr
Satisfied charges
₹1,975.77 Cr
Breakdown by lending institutions
Latest charge details
| Date | Charge ID | Lender | Amount | Status | Modified or satisfied on |
|---|---|---|---|---|---|
| 18 Aug 2025 | 101156470 | Sbicap Trustee Company Limited | ₹200 Cr | Open | |
| 21 Jan 2025 | 101098205 | Sbicap Trustee Company Limited | ₹400 Cr | Open | |
| 10 May 2024 | 101019132 | Sbicap Trustee Company Limited | ₹500 Cr | Open | |
| 30 Nov 2021 | 100514181 | Others | ₹10,000 Cr | Open | |
| 20 Jul 2019 | 100278248 | Sbicap Trustee Company Limited | ₹2,400 Cr | Open |
To see the full charge records of SBFC Finance Limited, buy the company report.
Total charge records: 28 View all charges
Deals & funding
SBFC Finance Limited has 26 deals on record (10 secondary share transfers, 8 market trades, 5 funding rounds), with disclosed funding of ₹524.67 Cr; the latest was in September 2026.
Total deals
26
Secondary share transfers
10
Market trades
8
Funding rounds
5
Rights issues
2
Disclosed funding
₹524.67 Cr
Deals on record (5 of 26)
| When | Deal | Amount | Parties |
|---|---|---|---|
| Sep 2026 | Market trade | ₹73.73 Cr | Buyer: HDFC Life Insurance Company Limited |
| Dec 2025 | Market trade | ₹161.54 Cr | Buyer: Tata Aia Life Insurance Company Limited , Aranda Investments Pte. Ltd. Seller: Massachusetts Institute Of Technology - Fdi, Massachusetts Institute Of Technology Basic Retirement Plan Trust, 238 Plan Associates Llc |
| Sep 2024 | Market trade | ₹58.15 Cr | Buyer: Graviton Research Capital LLP Seller: Graviton Research Capital LLP |
| Apr 2024 | Market trade | ₹494.42 Cr | Buyer: Sbi Mutual Fund, Custody Bank Of Japan Ltd Re Rb Amundi India Small Cap Equity Mother Fund, Morgan Stanley Investment Management Seller: Arpwood Partners Investment Advisors LLP , Arpwood Capital Private Limited |
| Sep 2023 | Market trade | ₹70.14 Cr | Seller: Bajaj Finance Limited |
To see the full deal history of SBFC Finance Limited, buy the company report.
Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.
Legal cases
SBFC Finance Limited has 6,964 court cases on record: 6,690 filed by SBFC Finance, 275 filed against it. 3,065 cases are pending and 3,899 are disposed.
Total cases
6,964
Filed by the company
6,690
Filed against the company
275
Pending
3,065
Disposed
3,899
Cases by court
| Court | Cases | Against the company | Pending |
|---|---|---|---|
| District courts | 6,821 | 198 | 3,041 |
| High courts | 143 | 77 | 24 |
Cases on record (5 of 6,964)
| Court | Type of case | Party | Status |
|---|---|---|---|
| District court, Amravati, Maharashtra | Civil suit | Filed against the company by an individual | Pending |
| District court, Hyderabad CCC, Telangana | Civil suit | Filed against the company | Pending |
| District court, Jalandhar, Punjab | Civil suit | Filed against the company by an individual | Pending |
| District court, Ambala, Haryana | Civil suit | Filed against the company by an individual | Pending |
| District court, Fatehgarh Sahib, Punjab | Civil suit | Filed against the company | Pending |
To see the full case history of SBFC Finance Limited, buy the company report.
Case records are compiled from court listings and may lag the court's own records. A case filed against a company is not a finding against it.
Credit ratings & regulatory alerts
SBFC Finance Limited was last rated by Indiarating on 15 Jul 2022.
| Rating agency | Rated on | Rating |
|---|---|---|
| Indiarating | 15 Jul 2022 |
To see the full credit ratings and regulatory alerts of SBFC Finance Limited, buy the company report.
MSME payment delays
SBFC Finance Limited has 2 MSME Form 1 returns on record for the period ending Sep 2023, listing 90 overdue payments to 17 micro and small suppliers. Companies must report dues to micro and small suppliers that stay unpaid for more than 45 days in a half-yearly MSME Form 1 return.
Suppliers with reported dues (5 of 17)
| Supplier | Amount due | Due since | Reported on |
|---|---|---|---|
| an individual supplier | |||
| an individual supplier | |||
| Ang India Limited | |||
| an individual supplier | |||
| Corpus Data Information Services Private Limited |
To see the full MSME payment records of SBFC Finance Limited, buy the company report.
Individuals and sole proprietors among the suppliers are not named.
Group structure & subsidiaries
SBFC Finance has 1 subsidiary company. This group structure data is as of FY 2023. The table lists each entity with its relationship and holding.
1
Subsidiary companies
Key subsidiaries
| Company Name | CIN | Shares held |
|---|---|---|
| SBFC Home Finance Private Limited | U65992MH2022PTC394642 |
To see the full group structure of SBFC Finance Limited, buy the company report.
Employees & EPFO
SBFC Finance Limited has a workforce of 3,627 employees on its EPFO records as of Apr 07, 2024, across 1 active EPFO establishment.
Employee count
3,627
Active EPFO establishments
1
Employee growth
39.88%
GST
SBFC Finance has 15 GST registrations: 15 active. The first 4 active GSTINs are listed below.
Total GSTINs
15
Active
15
| GSTIN | State | Status | Registered on |
|---|---|---|---|
| 29AAFCM3855R1ZL | Karnataka | Active | 13 Oct 2017 |
| 36AAFCM3855R1ZQ | Telangana | Active | 13 Oct 2017 |
| 37AAFCM3855R1ZO | Andhra Pradesh | Active | 13 Oct 2017 |
| 24AAFCM3855R1ZV | Gujarat | Active | 16 Oct 2017 |
To see the full GST registrations and return filing status of SBFC Finance Limited, buy the company report.
Recent activity
SBFC Finance Limited has 28 board changes on record since 2012: 10 appointments and 18 cessations. The latest: Leroy James Langeveld ceased to be Additional Director on 13 Jul 2025.
AGM
Sbfc Finance Limited last Annual general meeting of members was held on 14 Jul 2026 as per latest MCA records.
Charges
A charge with Others of Rs. 10,000.00 Cr registered on 30 Nov 2021 with Charge ID 100514181 was modified on 11 Jul 2026.
Charges
A charge registered on 24 Feb 2024 via Charge ID 100943159 with Sbicap Trustee Company Limited was fully satisfied on 12 Jun 2026.
Filing
Sbfc Finance Limited has filed its annual Financial statements for the year ended 31 Mar 2026 with Roc Mumbai I.
Charges
A charge registered on 15 Jul 2024 via Charge ID 100974005 with Sbicap Trustee Company Limited was fully satisfied on 13 Oct 2025.
Charges
A charge with Sbicap Trustee Company Limited of Rs. 200.00 Cr registered on 24 Feb 2024 with Charge ID 100943159 was modified on 13 Oct 2025.
Charges
A charge with Sbicap Trustee Company Limited amounted to Rs. 200.00 Cr with Charge ID 101156470 was registered on 18 Aug 2025.
Ceased
Leroy James Langeveld ceased to be Additional Director.
Appointed
Leroy James Langeveld was appointed as Nominee Director.
Ceased
Mahesh Kanyalal Dayani ceased to be Additional Director.
Appointed
Mahesh Kanyalal Dayani was appointed as Managing Director.
Charges
A charge with Sbicap Trustee Company Limited amounted to Rs. 400.00 Cr with Charge ID 101098205 was registered on 21 Jan 2025.
75 earlier events are in the company report.
News
Frequently asked questions
SBFC Finance is an active public limited company based in Mumbai, Maharashtra, India. The company works in financial activities, within the financial services industry. It was incorporated on 25 January 2008 (18+ years old) and is registered under CIN L67190MH2008PLC178270. Listed on BSE: 543959 and NSE: SBFC.
SBFC Finance reported revenue of ₹1,678.82 Cr for FY 2025-26 (up 28.6% YoY) based on standalone financials.
SBFC Finance has 9 current directors:
- Mahesh Kanyalal Dayani - Managing Director
- Aseem Dhru - Whole-Time Director
- John Mescall - Nominee Director
- Neeraj Swaroop - Director
- Jonathan Tadeusz Tatur - Nominee Director
- Surekha Marandi - Director
- Leroy James Langeveld - Nominee Director
- Koni Uttam Nayak - Director
- Ravi Venkatraman - Director
The latest financial statements of SBFC Finance on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 14 July 2026. Year-wise statements from 2015 are in the company report.
The GSTIN of SBFC Finance is 29AAFCM3855R1ZL, registered in Karnataka. The company has 15 GST registrations in all, of which 15 are active. Other active GSTINs include 36AAFCM3855R1ZQ (Telangana), 37AAFCM3855R1ZO (Andhra Pradesh), 24AAFCM3855R1ZV (Gujarat).
The CIN (Corporate Identification Number) of SBFC Finance is L67190MH2008PLC178270. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.
Yes. SBFC Finance is a listed company as per MCA records. Its shares are listed on both BSE (code: 543959) and NSE (symbol: SBFC).
SBFC Finance has 6,964 court cases on record: 6,690 filed by the company and 275 filed against it. 3,065 are pending. Most are in the district courts.
SBFC Finance was incorporated on 25 January 2008, making it 18+ years old. It is registered with the Registrar of Companies, Mumbai.
SBFC Finance has 26 deals on record (10 secondary share transfers, 8 market trades, 5 funding rounds), with disclosed funding of ₹524.67 Cr; the latest was in September 2026.
The peers of SBFC Finance by revenue are Protium Finance Limited, Gic Housing Finance Limited, Grihum Housing Finance Limited, Sundaram Home Finance Limited, all in the BFSI industry (Finance, NBFC), with the same principal business activity (other financial activities).
Leroy James Langeveld ceased to be Additional Director on 13 Jul 2025. Leroy James Langeveld was appointed as Nominee Director on 26 Apr 2025. Mahesh Kanyalal Dayani ceased to be Additional Director on 06 Apr 2025. SBFC Finance has 28 board changes on record in total.