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Shalibhadra Finance Ltd (SAHLIBHFI) is currently trading at 93.70 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Shalibhadra Finance Limited is an RBI-registered NBFC specializing in small-ticket vehicle financing across rural and semi-urban India, focused primarily on new and used two‑wheelers with secured loans and nearly 100% collateralisation. The company operates a fully owned branch network (58 branches as of Q3FY26) across four states and manages an AUM of ₹212.5 crore. Financial momentum is visible: Q3FY26 total income of ₹11.02 crore, Net Interest Income at ₹9.54 crore (31.4% YoY), PAT of ₹5.03 crore (6.8% YoY), and NIMs near 17.9%. AUM expanded 37% from Dec‑24 to Dec‑25, driven by higher disbursements (₹105.8 crore nine‑months) and disciplined yield management alongside a high capital adequacy ratio of 79%. The operating model leans on durable rural moats: fully owned branches (no franchise/DSA), stable local workforce with long tenures, in‑house LOS/LMS and API integrations for credit and fraud checks, and a cashless disbursement framework. Nearly 40% repeat customers and above‑99% collection efficiency underscore strong borrower stickiness and a calibrated underwriting framework. Growth roadmap balances scale and prudence: management targets ₹300 crore AUM and 100 branches by FY27 while diversifying into Micro LAP and Home Loans and improving funding mix toward nationalized banks to lower cost of borrowings. Offsetting risks include slight GNPA/NNPA uptick and increased borrowings, but the company highlights capital headroom and robust liquidity coverage across ALM buckets.
Over the past 52 weeks, Shalibhadra Finance Ltd has traded between a low of ₹80.10 and a high of ₹156.98. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Shalibhadra Finance Ltd has a market capitalization of approximately 277.53. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Shalibhadra Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 14.97 and operates in the Finance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 277.53 Cr, Shalibhadra Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Shalibhadra Finance Ltd operates in the Finance sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Shalibhadra Finance Ltd is 14.97. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
| Symbol | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
19888.00 | 295 Cr | 18.80 | 0.57 | 0.18 | -1.70 | -2.08 | 2.91 | |
128.20 | 289 Cr | 52.11 | 0.64 | 0.00 | -1.27 | -1.40 | 1.62 | |
91.00 | 278 Cr | 14.97 | 1.70 | 0.11 | 11.33 | 13.59 | 9.07 | |
264.50 | 262 Cr | 13.24 | 1.03 | 0.09 | 6.27 | 7.27 | 3.43 | |
10.41 | 260 Cr | — | 11.75 | 0.00 | -0.79 | -0.67 | -0.50 | |
217.35 | 255 Cr | 49.85 | 5.11 | 0.00 | 9.85 | 13.59 | 8.93 | |
2506.00 | 251 Cr | 52.38 | 0.19 | 0.10 | 2.37 | 4.09 | 1.35 |
Insider Trading Disclosure
Shalibhadra Finance filed Form C on 04‑Mar‑2026 under Reg.7(2) (SEBI PIT) reporting that promoter‑group member Ayushi Doshi bought 5,000 equity shares (value INR 461,636.09) on BSE, raising holding to 520,500 (1.69%).
Investor Presentation
Q3FY26 investor presentation: AUM reached ₹212.49 Cr, total income ₹11.02 Cr, NII ₹9.54 Cr, GNPA 3.01%/NNPA 1.13%, CRAR ~79%, 58 branches, targeting ₹220 Cr AUM by FY26-end.
Bearish
5
Neutral
6
Bullish
3
Bearish
21
Neutral
6
Bullish
19
Bearish
16
Neutral
0
Bullish
16
Shalibhadra Finance Limited is an RBI-registered NBFC specializing in small-ticket vehicle financing across rural and semi-urban India, focused primarily on new and used two‑wheelers with secured loans and nearly 100% collateralisation. The company operates a fully owned branch network (58 branches as of Q3FY26) across four states and manages an AUM of ₹212.5 crore.
Financial momentum is visible: Q3FY26 total income of ₹11.02 crore, Net Interest Income at ₹9.54 crore (31.4% YoY), PAT of ₹5.03 crore (6.8% YoY), and NIMs near 17.9%. AUM expanded 37% from Dec‑24 to Dec‑25, driven by higher disbursements (₹105.8 crore nine‑months) and disciplined yield management alongside a high capital adequacy ratio of 79%.
The operating model leans on durable rural moats: fully owned branches (no franchise/DSA), stable local workforce with long tenures, in‑house LOS/LMS and API integrations for credit and fraud checks, and a cashless disbursement framework. Nearly 40% repeat customers and above‑99% collection efficiency underscore strong borrower stickiness and a calibrated underwriting framework.
Growth roadmap balances scale and prudence: management targets ₹300 crore AUM and 100 branches by FY27 while diversifying into Micro LAP and Home Loans and improving funding mix toward nationalized banks to lower cost of borrowings. Offsetting risks include slight GNPA/NNPA uptick and increased borrowings, but the company highlights capital headroom and robust liquidity coverage across ALM buckets.
Finance
NBFC-Others
278 Cr
Low Risk
15.0
28.3
0.4
1.7
156.98
80.10
Sales CAGR
Profit CAGR
ROE
ROCE
