Shalibhadra Finance Ltd

Rating actions and instruments

• NCDs ₹20 crore: BBB-, Stable, assigned on 13 Aug 2026.
• NCDs ₹20 crore: BBB-, Stable, reaffirmed on 13 Aug 2026.
• Long-term fund-based/bank lines ₹40 crore: BBB- (Stable); reaffirmed on 13 Aug 2026.
• Bank limits rated by ICRA totaling ₹40 crore; SBI 7, BoB 5, Maha 1.5, ICICI 1, unallocated 25.5.

Q1 FY27 highlights (standalone)

• Total income from operations 1,109 lakh, up ~17% YoY.
• Income from Retail Finance 1,086 lakh, up ~15% YoY.
• PBT 641 lakh, up ~8% YoY.
• Net profit 491 lakh, up ~7% YoY.
• EPS (basic/diluted) 1.59, vs 1.48 in Q1'25.
• Finance costs 196 lakh, up from 99.
• Major segment is Retail Finance; no further segment reporting.

Unaudited standalone results

• Approved unaudited standalone results for quarter ended 30 June 2026 with Limited Review Report.

Regulatory disclosures: use of issue proceeds

• NCD proceeds of 19.50 crore raised on 10-Apr-2026 fully utilized; no deviation.
• No deviation in use of issue proceeds per Regulation 52(7) and 52(7A).

Regulatory disclosures: 52(4) financial metrics

• Debt-Equity ratio at 0.34 for quarter ended 30 June 2026.
• Debt Service Coverage Ratio: 0.64; Interest Coverage: 4.27.
• Net Worth: Rs 177.45 crore; Net Profit After Tax: Rs 5.47 crore.
• Earnings Per Share: Basic 1.59; Diluted 1.59.
• Current ratio 4.31; Total Debts to Total Assets 0.25.
• Operating Margin 75.47%; Net Profit Margin 49.32%.

Dematerialisation processing

• Dematerialisation requests processed; securities confirmed/accepted to depositories for the quarter.
• Securities dematerialised are listed on the exchanges where the earlier securities are listed.
• Physical certificates received for dematerialisation were mutilated and cancelled; depository name substituted as registered owner within prescribed timelines.

Appointment details

• Megha Singh appointed as Company Secretary cum Compliance Officer effective 9 July 2026.
• Qualified Company Secretary, ICSI member ACS46779, with compliance experience.
• No relationships with directors or promoters.

Appointments/Resignations

• Megha Singh appointed Company Secretary cum Compliance Officer, effective 9 July 2026.

Shalibhadra Finance Ltd – Closure of Trading Window