Shalibhadra Finance Limited, a leading Non-Banking Financial Company (NBFC) focused on providing customized retail financing solutions, has recently submitted a revised Investor Presentation to the BSE for the quarter and nine months ended December 31, 2024. This revision addresses typographical errors found in the original presentation submitted on February 19, 2025. The company’s Managing Director, Minesh Doshi, expressed that the revision was part of their continuous effort to ensure accurate and transparent communication with stakeholders.

The Revised Investor Presentation outlines the company’s Q3 & 9M FY25 performance in detail, reflecting substantial growth in its Assets Under Management (AUM), which increased by 13% YoY to INR 1,549 Mn. The company has also shown impressive growth in disbursements, with a 14% YoY increase, totaling INR 809 Mn. This demonstrates the effectiveness of their rural market strategy, which has been particularly successful in driving demand for two-wheeler loans and other mobility products.

The company reported a strong 33% YoY increase in PAT, reaching INR 116 Mn for the first nine months of FY25, with a Return on Assets (ROA) of 10.5%, up from 8.7% in the previous year. Additionally, the Cost-Income ratio has improved significantly, dropping from 28.9% in FY24 to 24.2% in FY25, highlighting improved operational efficiency.

In line with its growth strategy, Shalibhadra Finance is focusing on expanding its footprint across new regions. The company currently operates 52 branches across 40 districts in Maharashtra, Gujarat, Madhya Pradesh, and Rajasthan. Plans are underway to increase the number of branches to 100 by FY27. The introduction of new products such as Affordable Housing Finance and Used Tractor Loans is expected to diversify their revenue streams and further enhance their Return on Equity (ROE).

Shalibhadra’s capital adequacy ratio stands strong at 99.1%, positioning the company well for future growth while maintaining a healthy asset quality. Their Non-Performing Asset (NPA) ratio remains stable, with GNPA at 2.76% and NNPA at 0.45%. The company continues to prioritize technological advancements, such as the launch of a state-of-the-art Loan Origination System (LOS) to streamline the customer onboarding process and improve service quality.

Looking ahead, Shalibhadra Finance plans to expand further into Karnataka and Goa and is committed to achieving INR 2,750 Mn in AUM by FY27 while continuing to maintain a RoE of 20%. The company’s long-term goals include growing its loan book, introducing more high-yield products, and enhancing its branch network to support rural and semi-urban economies in India.

This revision ensures that investors and stakeholders have accurate and up-to-date information on the company's financial performance and strategic initiatives, reinforcing Shalibhadra Finance’s commitment to driving prosperity in India’s rural heartland.

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