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SBFC Finance Limited IPO

Published : August 1, 2023

SBFC Finance Limited IPO

SBFC Finance Limited IPO

About Company :

SBFC Finance Ltd. (SFL) is a significant non-banking financial company in India that does not accept deposits. The company specializes in providing loans, particularly focusing on Micro, Small, and Medium Enterprises (MSMEs) loans with collateral, as well as loans against gold, catering to ticket sizes ranging from Rs. 5 lakhs to Rs. 30 lakhs. As of March 31, 2023, SFL has an extensive presence in 120 cities across 16 Indian States and two Union Territories, supported by 152 branches.

SFL stands out among MSME-focused NBFCs in India due to its impressive growth in Assets Under Management (AUM). According to a CRISIL Report, its AUM has grown at a remarkable Compound Annual Growth Rate (CAGR) of 44% from Fiscal Year 2019 to Fiscal Year 2023. Moreover, SFL has experienced robust disbursement growth, with a CAGR of 40% between Fiscal Year 2021 and Fiscal Year 2023, as per the same CRISIL Report. However, there remains a significant challenge, as only about 16.9 million MSMEs have registered on UDYAM as of June 20, 2023, leaving a vast number of around 70 million unregistered MSMEs in India without access to organized finance.

The company primarily serves customers in tier II and tier III cities, with a notable customer base of 102,722 individuals as of March 31, 2023. SFL’s average cost of borrowing was 8.11% in Fiscal Year 2021, 7.65% in Fiscal Year 2022, and 8.22% in Fiscal Year 2023. Its Net Interest Margin (NIM) showed a declining trend, raising concerns, with NIM figures being 11.73% in FY21, 9.39% in FY22, and 9.32% in FY23.

As of March 31, 2023, SFL employed a total of 2,822 individuals, out of which 1,911 were engaged in sales-related roles. The company had a considerable portfolio of MSME loan accounts, with 40,872 live accounts and 34,738 active MSME borrowers on record.

SBFC Finance IPO Objectives :

1. Utilization of Net Proceeds : The company plans to use the net proceeds for specific purposes.

2. Augmenting Capital Base : One of the main objectives is to strengthen the company’s capital base.

3. Meeting Future Capital Requirements : The funds will be utilized to ad dress the future capital needs

4. General corporate purposes.

SBFC Finance IPO Details :

IPO Opening DateAugust 03,  2023
IPO Closing DateAugust 07, 2023
Issue TypeBook Built Issue IPO
Face Value₹10 per share
IPO Price₹54 to 57 per share
Market Lot260 Shares
Listing AtBSE, NSE
Total Issue Size(aggregating up to ₹1025.00 Cr)

SBFC Finance IPO Promoter Holding

The company promoters of SBFC Finance Ltd. include SBFC Holdings Pte. Ltd., Clermont Financial Pte. Ltd., Arpwood Partners Investment Advisors LLP, Arpwood Capital Private Limited, and Eight45 Services LLP.

Pre Issue Share Holding78.83%
Post Issue Share Holding64.03%

Company Financial Information (Reiterate)

Period Ended31 Mar 202031 Mar 202131 Mar 202231 Dec 202231 Mar 2023
Profit After Tax35.5085.0164.52107.03149.74
Reserves and Surplus
Total Borrowing3,056.382,772.552,948.823,409.483,745.83

SBFC Finance IPO Registrar

Kfin Technologies Limited

Phone: 04067162222, 04079611000
Email: Sbfc.ipo@kfintech.com
Website: https://kosmic.kfintech.com/ipostatus/

Lead Managers

  1. Icici Securities Limited
  2. Axis Capital Limited
  3. Kotak Mahindra Capital Company Limited

Contact Information

SBFC Finance Limited
103, 1st Floor, C&B Square, Sangam Complex,
Andheri Kurla Road, Village Chakala,
Andheri (East), Mumbai – 400 059
Phone: 022 6787 5344
Email: complianceofficer@sbfc.com
Website: http://www.sbfc.com/

Prospectus :



How to Apply ? 

Vishnu Prakash R Punglia Limited IPO (VPRP IPO)

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