SBFC Finance Limited is primarily focused on lending to MSMEs with a portfolio that includes secured loans and loans against gold.

As of September 2025, SBFC achieved an AUM of nearly Rs. 10,000 crore, growing at 29% year-on-year and 6% quarter-on-quarter, reflecting a robust growth trajectory.

The company maintains a strong Return on Average AUM of 4.56% and Return on Average Tangible Equity improving from 13.53% to 14.09%, demonstrating effective capital management.

SBFC faces challenges with credit costs due to political risks, particularly in Karnataka, but remains confident in its growth prospects through tightened credit filters.

The secured MSME portfolio, constituting 82% of AUM, provides stable returns despite the volatile economic environment, supporting long-term growth.