Incorporated in 2008, SBFC Finance Limited is a systemically important, non-deposit-taking Non-Banking Finance Company (NBFC-ND-SI). The primary customer base of the company includes entrepreneurs, small business owners, self-employed individuals, and salaried and working-class individuals.
SBFC provides its services in the form of Secured MSME Loans and Loans against Gold.
SBFC Finance tends to extend its services to entrepreneurs and small business owners who are underserved or unserved by traditional financial institutions like banks. There are various factors taken into consideration while offering financial assistance in the form of loans. SBFC Finance offers its services so that entrepreneurs can fulfill their financial requirements and thrive.
The entity has a diversified pan-India presence through its extensive network. As of December 31, 2022, SBFC Finance had established its footprints in over 105 cities in 16 Indian states and two union territories. They currently have 137 branches.
| Purpose | Amount (₹ Cr) |
|---|---|
| 1 Meet the future capital requirements arising out of the growth of the business and assets. | ₹559 |
| Metric | 31 Mar 2020 | 31 Mar 2021 | 31 Mar 2022 |
|---|---|---|---|
| Total Assets | 4,208 | 4,231 | 4,515 |
| Revenue | 445 | 512 | 531 |
| PAT | 36 | 85 | 65 |
| Net Worth | 752 | 945 | 1,027 |
| Total Borrowing | 3,056 | 2,773 | 2,949 |
| Category | Sub (x) | Offered | Bid For |
|---|---|---|---|
| QIB | — | 89,013,156 (49%) | — |
| NII / HNI | — | 26,703,948 (15%) | — |
| Retail (RII) | — | 62,309,210 (35%) | — |
| Employee | — | 1,863,636 (1%) | — |
| Total | — | 179,889,950 (100%) | — |
* Amount calculated at upper price band (₹57) · ** Total includes all investor categories
- 1 Initiation of Refund 11 Aug 2023
- 2 Credit of Shares to Demat 14 Aug 2023
- 3 Lock-in Period (30%) September 9, 2023
- 4 Lock-in Period (50%) November 8, 2023
- Retail allocation is good at 35% of the total offering.
- HNI/NII demand is good at 15%.
- Institutional (QIB) interest is strong at 49%.
- The IPO P/E of 40x reflects a weak valuation relative to typical market ranges.
- Pre-issue EPS of ₹1.
This IPO shows moderate investor interest. Review financial details and compare valuation with industry peers before investing.
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