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Total Issue Size
Fresh Issue + Offer For Sale
Fresh Issue (FI)
Proceeds go to the company
Offer For Sale (OFS)
Proceeds go to the existing investors
Augmenting the capital base
Net proceeds from the fresh issue are earmarked to strengthen the company's capital base to support future lending growth and meet capital requirements as the loan book expands.
(₹ in Crore)
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SBFC Finance Limited is a systemically important, non-deposit-taking non-banking financial company (NBFC-ND-SI) incorporated in 2008. The company focuses on secured lending to underserved entrepreneurs, small business owners, and self-employed individuals, offering two principal product lines: secured MSME loans and loans against gold. The company has built a nationwide branch network and reported one of the fastest asset-under-management growth rates among MSME-focused NBFCs in India, expanding at a compound annual rate of roughly 40 to 44 percent between fiscal 2019 and fiscal 2023. Its promoter group includes SBFC Holdings Pte. Ltd., Clermont Financial Pte. Ltd., and entities affiliated with Arpwood Capital, reflecting a mix of institutional and private-equity-linked ownership rather than a single founder-promoter structure. SBFC positions itself around a secured, collateral-backed lending model aimed at reducing credit risk while serving a customer segment that is often underbanked. The company listed on the NSE and BSE in August 2023 after raising fresh capital to strengthen its balance sheet and support continued growth in its loan book.
SBFC Finance raised approximately Rs 304 crore from anchor investors at Rs 57 per share, with participation from marquee names including the Abu Dhabi Investment Authority, Amansa Holdings, Neuberger Berman, the Ashoka India Opportunities Fund, and Steadview Capital Master Fund, alongside several domestic mutual funds and insurance companies.
Source: RHP • Analysis provided for informational purposes
Last Updated: 18 July 2026, 5:30 AM
Fast, secured AUM growth
The company has expanded its loan book at a high compound annual rate among MSME-focused NBFCs, driven by secured MSME and gold-backed lending.
Improving asset quality
Net non-performing assets trended down across FY21 to FY23, pointing to disciplined underwriting on its secured loan portfolio.
Compressed interest margins
Net interest margin declined over the three years leading up to the IPO amid competitive pressure and regulatory rate changes.
Premium valuation versus peers
The issue priced at a relatively high earnings multiple compared to listed NBFC and housing-finance peers, leaving less room for valuation upside.
SBFC Finance Limited
103, 1st Floor, C&B Square, Sangam Complex, Andheri Kurla Road, Village Chakala, Andheri (East), Mumbai - 400059
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