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SBFC Finance Limited (“SBFC”) was incorporated on January 25, 2008.

* SBFC Holdings Pte. Ltd., Clermont Financial Pte. Ltd. (together, “Clermont Group”), Arpwood Capital Pvt Ltd, Arpwood Partners Investment Advisors LLP and Eight45 Services LLP (together, “Arpwood Group”) are the corporate     promoters of the company.

 * SBFC is a systematically important, non-deposit taking non-banking finance company (“NBFC-ND-SI”) offering Secured MSME Loans and Loans against Gold, with a majority of their borrowers being entrepreneurs, small business      owners, self-employed individuals, salaried and working-class individuals.

  *Among MSME-focused NBFCs in India, SBFC has one of the highest assets under management (“AUM”) growth, at a CAGR of 44% in the period from Fiscal 2019 to Fiscal 2023 and also witnessed robust disbursement growth, at a    CAGR of 40% between Fiscal 2019 and Fiscal 2023.

SBFC has a diversified pan-India presence, with an extensive network in their target customer segment. As of March 31, 2023, they have an expansive footprint in 120 cities, spanning 16 Indian states and 2 union territories, with 152 branches. 

*Their AUM is diversified across India, with 30.84% in the North, 38.53% in the South and 30.63% in the West and East collectively, as of March 31, 2023.

* As of Marh 31, 2023, approximately 89.49% of their Secured MSME Loan collections and 90.92% of the unsecured loan collections were non-cash-based EMI collections, thus reducing their cash management risk, and enabling customers to receive real-time payment receipts through SMS.

* Their mobile application also enables customers to manage existing loans, in addition to servicing loans online. They have introduced ‘Leviosa’, a loan origination platform capable of on boarding and disbursing loans. For their Loan against Gold portfolio, they have set up a dedicated ‘Gold Genie’ sales application, enabling gold loan disbursal at a customer’s home.

* Their collection services are aided by a mobile application ‘Delta’ and a web application ‘Omega’, which are collections applications providing a priority list of overdue customers to the collection team in real-time.

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