Financial Performance Highlights (₹ in millions)
Income Statement:
- Total revenue from operations: ₹4,914.64 (Q1 FY27) vs ₹4,540.33 (Q4 FY26) vs ₹3,884.36 (Q1 FY26)
- Interest income: ₹4,596.07 (Q1 FY27) vs ₹4,225.15 (Q4 FY26) vs ₹3,548.97 (Q1 FY26)
- Fees and commission income: ₹273.47 (Q1 FY27) vs ₹274.19 (Q4 FY26) vs ₹248.23 (Q1 FY26)
- Net gain on fair value changes: ₹24.15 (Q1 FY27) vs ₹23.22 (Q4 FY26) vs ₹73.54 (Q1 FY26)
- Other operating income: ₹20.95 (Q1 FY27) vs ₹17.77 (Q4 FY26) vs ₹13.62 (Q1 FY26)
- Total income: ₹4,915.65 (Q1 FY27) vs ₹4,541.42 (Q4 FY26) vs ₹3,885.42 (Q1 FY26)
Expenses:
- Finance costs: ₹1,524.94 (Q1 FY27) vs ₹1,474.28 (Q4 FY26) vs ₹1,250.60 (Q1 FY26)
- Impairment on financial instruments: ₹416.87 (Q1 FY27) vs ₹370.37 (Q4 FY26) vs ₹248.30 (Q1 FY26)
- Employee benefits expense: ₹888.64 (Q1 FY27) vs ₹762.10 (Q4 FY26) vs ₹703.19 (Q1 FY26)
- Depreciation and amortization: ₹48.49 (Q1 FY27) vs ₹50.07 (Q4 FY26) vs ₹50.37 (Q1 FY26)
- Other expenses: ₹295.49 (Q1 FY27) vs ₹243.31 (Q4 FY26) vs ₹275.85 (Q1 FY26)
- Total expenses: ₹3,174.43 (Q1 FY27) vs ₹2,900.13 (Q4 FY26) vs ₹2,528.31 (Q1 FY26)
Profitability:
- Profit before tax: ₹1,741.22 (Q1 FY27) vs ₹1,641.29 (Q4 FY26) vs ₹1,357.11 (Q1 FY26)
- Tax expense: ₹439.99 (Q1 FY27) vs ₹413.62 (Q4 FY26) vs ₹348.19 (Q1 FY26)
- Net profit for period: ₹1,301.23 (Q1 FY27) vs ₹1,227.67 (Q4 FY26) vs ₹1,008.92 (Q1 FY26)
- Total comprehensive income: ₹1,380.87 (Q1 FY27) vs ₹1,190.09 (Q4 FY26) vs ₹977.58 (Q1 FY26)
Per Share Data (₹):
- Basic EPS: ₹1.18 (Q1 FY27) vs ₹1.12 (Q4 FY26) vs ₹0.93 (Q1 FY26)
- Diluted EPS: ₹1.17 (Q1 FY27) vs ₹1.11 (Q4 FY26) vs ₹0.91 (Q1 FY26)
Key Ratios and Metrics
Capital Structure:
- Paid-up equity share capital: ₹11,065.97 million (Face value ₹10 per share)
- Net worth: ₹38,731.77 million (June 2026) vs ₹37,251.52 million (March 2026) vs ₹32,992.83 million (June 2025)
Asset Quality:
- Gross NPA (%): 2.66% (June 2026) vs 2.61% (March 2026) vs 2.78% (June 2025)
- Net NPA (%): 1.55% (June 2026) vs 1.54% (March 2026) vs 1.57% (June 2025)
- Provision coverage ratio: 42.22% (June 2026) vs 41.64% (March 2026) vs 44.38% (June 2025)
Leverage and Coverage:
- Debt equity ratio: 2.29 times (June 2026) vs 1.92 times (March 2026) vs 1.73 times (June 2025)
- Total debts to total assets ratio: 0.68 times (June 2026) vs 0.65 times (March 2026) vs 0.63 times (June 2025)
- Capital to risk assets ratio: 31.95% (June 2026) vs 32.84% (March 2026) vs 34.28% (June 2025)
- Liquidity coverage ratio: 216.73% (June 2026) vs 145.36% (March 2026) vs 171.81% (June 2025)
- Net profit margin: 26.47% (June 2026) vs 27.03% (March 2026) vs 25.97% (June 2025)
Stressed Loans Transfer
During Q1 FY27, the company transferred stressed loans to Asset Reconstruction Companies:
- Number of accounts: 510
- Aggregate principal outstanding: ₹401.45 million
- Weighted average residual tenor: 7.32 years
- Net book value at transfer: ₹243.98 million
- Aggregate consideration: ₹192.69 million
- Additional consideration from earlier transfers: Nil
Security Cover Details
The company maintains sufficient security cover for its listed Non-Convertible Debentures:
- Security cover ratio: 1.10x as required by information memorandum
- Assets charged: Pari-passu charge on standard loans and advances
- Total assets available for security: ₹130,109.29 million
- Debt securities covered: ₹8,133.25 million
- Other pari-passu debt: ₹74,525.68 million
Corporate Actions
- 892,544 equity shares issued to eligible employees pursuant to exercise of outstanding vested Options under various SBFC Stock Option Policies during Q1 FY27
Board Meeting Details
- Meeting held on July 25, 2026
- Commenced at 1:30 PM IST, concluded at 2:50 PM IST
Documents Submitted
1. Unaudited Financial Results for quarter ended June 30, 2026 with Limited Review Report
2. Disclosure under Regulation 52(4) of SEBI Listing Regulations
3. Certificate of Security Cover pursuant to Regulation 54(3)
4. Certificate on use of proceeds from Commercial Papers issuance