Company Overview
Supra Pacific Financial Services Limited (BSE: 540168), an RBI-registered NBFC, serves individuals, self-employed customers, small traders and micro-entrepreneurs through diversified products including Gold Loans (63% of portfolio), Vehicle Loans, Microfinance, and other lending services.
Financial Performance Highlights (FY 2025-26)
The company delivered exceptional results with net profit surging 575% YoY to ₹8.17 crore (₹816.53 lakh). Revenue from operations grew 85.29% to ₹87.86 crore while total income increased 92% to ₹92.08 crore. Assets Under Management expanded 42.19% to ₹351.67 crore (₹34,893.29 lakh) with gold loans constituting the majority at ₹225.86 crore. Asset quality remained strong with Gross NPA at 1.22% and Net NPA at 0.73%.
Capital Structure & Regulatory Compliance
Capital adequacy ratio stood at 38.89% (Tier I: 25.93%, Tier II: 12.96%), significantly above RBI's 15% requirement. The company maintained robust liquidity with ₹40.92 crore cash equivalents and deposited ₹15.58 crore for debenture redemption. Equity increased to ₹114.96 crore Tier I capital while gross debt stood at ₹343.42 crore. The company complied with RBI regulations, transferring ₹1.63 crore to Reserve Fund, and paid a minor SEBI fine of ₹5,900 for technical compliance issue.
Strategic Initiatives & Expansion Plans
The company has set ambitious 3-year targets to achieve ₹2000 crore AUM and expand to 300+ branches. Currently operating 101 branches (88 Gold Loan, 13 Microfinance) with 735 employees, the expansion will be supported by capital raising initiatives including proposed ₹500 crore NCD issuance and ₹500 crore Tier II capital raising. The Board seeks shareholder approval at the 40th AGM on September 21, 2026, to increase borrowing limits to ₹1500 crore.
Risk Management & Corporate Governance
The company maintains comprehensive risk management frameworks covering credit risk (ECL model implementation), liquidity risk (positive cumulative mismatch of ₹54.21 crore), and market risk (primarily interest rate exposure). The Board comprises 8 directors (2 executive, 2 non-executive non-independent, 4 independent) with 22 meetings held during FY26. Key managerial personnel include Joby George (Chairman & MD), Manoj Raveendrannair (CEO), Rajeev M.R. (CFO), and Leena Yezhuvath (Company Secretary).
Capital Activities & Dividend
Equity raised through preferential allotment (33.28 lakh shares) and rights issue (158.53 lakh shares), while debt included ₹73.57 crore NCDs and ₹19.04 crore subordinated debt. The Board declared an interim dividend of ₹0.20 per share (2%) paid in December 2025.
Subsequent Events & Outlook
No significant subsequent events occurred after the reporting period. The company aims to enhance digital capabilities while maintaining its diversified portfolio and strong growth trajectory, supported by favorable macroeconomic conditions and financial inclusion trends.