'SBFC Finance conducted a conference call on 24 January 2026 to discuss its financial results for the quarter ended December 2025. Aseem Dhru, MD&CEO of the company addressed the call:
Highlights:
Karnataka ordinance has disturbed steady portfolio and the damage of a quarter takes 3 quarters to repair and another 3-4 quarters to restore back to normalcy. The three quarters completed since the damage and flows have been contained now and it will still take more quarters to start pulling back to earlier levels. So, the company continues to be cautious.
The company maintains the guidance of AUM growth of 5-7% qoq, a 50 bps reduction in operating cost and a credit cost at existing levels +/- 5-10 bps for FY2026.
The AUM increased 29% yoy and 5% qoq to Rs 10478 crore at end December 2025 with almost 100% of book secured by properties and gold.
The MSME AUM is Rs 8497 crore or 81% of total AUM which has grown by 25% yoy and 4% qoq.
The loa...
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