SBFC

SBFC is a non-banking financial company (NBFC) in India, offering mainly secured micro-, small- & medium-enterprise (MSME) loans, gold loans, business loans to self-employed individuals, etc. heir strategy emphasises “phy-gital” (physical + digital) outreach, with expansion into Tier II/III towns, higher ticket size loans, gold-loan segment growth and improving operating efficiency. Their asset quality is largely secured (for instance many loans backed by self-occupied property & gold) and they have a geographically diversified branch network. Capitalisation: Post IPO (August 2023) and equity infusion, the capital base is reasonably strong; gearing is moderate for the current size, though growth ambitions may push leverage.