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Overview

Detailed Summary

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.

Sector: Finance
Industry: Non Banking Financial Company (NBFC)
Market Cap: 254 Cr
Volatility: Low Risk
P/E Ratio: 13.5
Industry P/E: 19.3
PEG Ratio: 0.3
P/B Ratio: 1.6
52W High: 156.98
52W Low: 75.41

Sales CAGR

1Y: 11.32%
3Y: 17.77%
5Y: 8.77%
10Y: 12.08%

Profit CAGR

1Y: 33.67%
3Y: 38.52%
5Y: 22.47%
10Y: 18.55%

ROE

TTM: 11.33%
3Y: 11.04%
5Y: 10.62%
10Y: 12.16%

ROCE

TTM: 13.59%
3Y: 16.19%
5Y: 16.08%
10Y: 16.95%

Technicals

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Forecasts

Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
SERA		34.90	256 Cr	89.49	0.63	0.00	-0.62	-0.34	4.33
SAHLIBHFI		81.90	254 Cr	13.48	1.56	0.12	11.33	13.59	9.07
VAARAD		9.25	249 Cr	—	11.25	0.00	-0.79	-0.67	-0.50
STARTECK		239.60	245 Cr	12.00	0.96	0.10	6.27	7.27	3.43
UYFINCORP		12.67	244 Cr	-316.75	0.98	0.00	-0.27	-0.22	-0.21
TEAMGTY		259.15	244 Cr	161.97	4.97	0.00	5.15	6.40	4.32
DHRUVCA		261.05	233 Cr	314.70	7.97	0.00	-11.71	-8.50	-5.00
Median: 7 Co.	—	81.90	245 Cr	51.48	1.56	0.00	-0.27	-0.22	3.43

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	7.71	8.18	9.52	8.96	8.23	9.85	9.45	9.47	9.49	11
Expenses	2.25	2.35	3.16	2.74	2.10	2.82	2.84	2.53	2.37	3.11
Interest	1.43	1.52	1.90	1.68	1.53	1.10	0.98	0.99	0.99	1.48
Financing Profit	4.03	4.31	4.46	4.54	4.60	5.93	5.63	5.95	6.13	6.53
Financing Margin %	52.27	52.69	46.85	50.67	55.89	60.20	59.58	62.83	64.59	58.72
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.04
Depreciation	0.02	0.02	0.02	0.02	0.02	0.02	0.03	0.03	0.03	0.04
Profit Before Tax	4.01	4.29	4.44	4.52	4.58	5.91	5.60	5.92	6.10	6.53
Tax %	24.94	26.34	25.45	24.78	24.67	20.30	20.71	22.80	22.13	22.97
Net Profit	3.01	3.16	3.31	3.40	3.45	4.71	4.44	4.57	4.75	5.03
EPS in Rs	0.87	1.02	1.07	1.10	1.11	1.53	1.44	1.48	1.54	1.62
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	16	19	22	24	21	22	27	32	36	37
Expenses	4.75	4.90	5.28	6.79	7.83	7.23	9.20	10	11	10
Interest	4.35	6.50	7.93	9.09	8.30	6.88	7.16	6.50	5.28	4.60
Financing Profit	6.49	7.90	8.97	7.78	4.49	7.94	11	16	20	22
Financing Margin %	41.63	40.93	40.44	32.89	21.76	36.01	40.28	48.61	56.19	59.76
Other Income	0.05	0.09	0.04	0.32	0.56	0.26	0.32	0.46	0.46	NaN
Depreciation	0.05	0.06	0.08	0.06	0.05	0.05	0.06	0.07	0.09	0.10
Profit Before Tax	6.49	7.93	8.94	8.04	4.99	8.15	11	16	21	22
Tax %	296.61	350.52	352.23	359.79	338.18	382.63	386.93	389.84	447.07	21.99
Net Profit	4.30	5.67	6.40	5.81	3.51	6.02	8.38	12	16	17
EPS in Rs	1.39	0.88	1.04	1.88	1.13	1.96	2.72	3.77	5.19	6.08
Dividend Payout %	860.00	944.17	1,065.83	—	1,406.00	1,441.25	1,533.00	1,490.00	4,322.50	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	5.00	5.00	5.00	5.00	5.00	5.00	5.00	6.27	7.00	7.72
Reserves	16	20	26	32	37	40	53	72	90	147
Borrowings	29	43	59	71	76	62	57	55	58	37
Other Liabilities	4.24	4.84	6.02	6.97	5.05	4.28	3.06	3.14	3.48	3.64
Total Liabilities	55	73	96	115	123	112	117	136	158	195
Fixed Assets	1.26	1.59	1.98	2.12	2.22	2.37	2.34	2.53	2.60	3.38
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	1.42	1.51	0.00	0.00	0.00	0.00	8.82
Other Assets	53	71	94	112	119	110	115	134	156	183
Total Assets	55	73	96	115	123	112	117	136	158	195

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-3.36	-12	-15	-12	0.44	7.39	1.84	-4.56	2.54	-27
Cash from Investing Activity	-0.30	-1.51	-0.11	-0.65	-2.20	2.09	-0.62	-2.02	-2.24	-10
Cash from Financing Activity	3.48	14	17	12	4.45	-14	0.64	11	9.47	24
Net Cash Flow	-0.18	0.61	1.98	-0.54	2.69	-4.02	1.86	4.00	9.77	-13

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Promoters	55.35%	55.35%	60.00%	60.00%	60.00%	60.00%	54.83%	55.36%	55.40%	56.24%	56.99%	57.52%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	1.16%	1.01%	0.82%	2.63%	2.47%	2.43%	2.25%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	44.65%	44.65%	40.00%	40.00%	40.00%	38.84%	44.16%	43.83%	41.97%	41.29%	40.58%	40.23%
Total Shareholders	1,931	1,797	1,775	1,843	1,833	2,070	2,067	2,017	4,511	4,587	4,365	4,217

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Projection

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

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