Shalibhadra Finance LimitedQuarter ended 30th June 2026 Results & Financial Update
Shalibhadra Finance Limited: Quarter ended 30th June 2026 standalone results and company financials – revenue ₹11.09 Cr, PAT ₹4.91 Cr. Explore reported YoY/QoQ movements, margins, business drivers and management commentary. This page does not provide a rating, target price or investment recommendation.
Quarter at a glanceReported figures and period changes.Changes compare like-for-like reported periods where available.
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Quarterly Results AnalysisExplore Shalibhadra Finance Quarter ended 30th June 2026 quarterly results and earnings: revenue, profit (PAT), EBITDA, margins, YoY and QoQ growth, order book or business updates where reported, financial performance and management commentary. Reported figures and Nivata calculations are shown separately; no buy, sell or hold recommendation is provided.
Quarter overview
Quarterly earnings analysis
During the quarter ended 30th June 2026, Shalibhadra Finance reported total revenue from operations of INR 11.09 crore, reflecting growth compared to INR 9.47 crore in the corresponding quarter of the previous year and INR 10.98 crore in the preceding quarter.
Income from retail finance formed the core of operating revenue at INR 10.86 crore, supplemented by service charges of INR 0.10 crore and bank fixed deposit interest of INR 0.13 crore.
Total expenses for the quarter rose to INR 4.68 crore compared to INR 3.55 crore in Q1 FY26 and INR 3.94 crore in Q4 FY26, driven primarily by higher finance costs.
Finance costs increased significantly to INR 1.96 crore during the quarter from INR 0.99 crore in the year-ago period, reflecting higher borrowing requirements and debt servicing expenses.
Profit before tax (PBT) for the quarter stood at INR 6.41 crore, compared with INR 5.92 crore in Q1 FY26 and INR 7.04 crore in Q4 FY26.
Net profit after tax (PAT) for Q1 FY27 was recorded at INR 4.91 crore, delivering basic and diluted earnings per share (EPS) of INR 1.59.
Other comprehensive income included a gain of INR 0.56 crore on the fair value of equity instruments, leading to total comprehensive income of INR 5.47 crore for the period.
During the quarter ended 30th June 2026 (Q1 FY27), Shalibhadra Finance reported total revenue from operations of INR 11.09 crore, reflecting a top-line expansion compared to INR 9.47 crore in the corresponding quarter of the previous year.
01 · Business model
What does Shalibhadra Finance do?
Shalibhadra Finance Limited is an India-based non-banking financial company (NBFC) engaged primarily in the business of retail finance.
The company operates within a single reportable operating segment focused on retail lending activities, serving individual borrowers seeking structured financial credit.
Shalibhadra Finance generates revenue principally through interest earned on retail financing loans, along with service charges and bank fixed deposit interest.
02 · Financial snapshot
Current quarter vs the two useful baselines
| Metric | Quarter ended 30th June 2026 | Year-ago | Previous quarter |
|---|---|---|---|
| Revenue from operations | ₹11.09 Cr | ₹9.47 Cr | ₹10.98 Cr |
| Total income | ₹11.09 Cr | ₹9.47 Cr | ₹10.98 Cr |
| Profit before tax | ₹6.41 Cr | ₹5.92 Cr | ₹7.04 Cr |
| Profit after tax | ₹4.91 Cr | ₹4.57 Cr | ₹5.13 Cr |
| EPS | ₹1.59 | ₹1.48 | ₹1.66 |
Financial interpretation
What the reported numbers mean
Profit after tax represented 44.3% of reported quarterly operating revenue. This is a calculated net-profit-to-sales ratio, not a company-reported operating margin. It measures the outcome after expenses and tax; it does not, by itself, establish how margins changed versus another period.
Profit before tax was equivalent to 57.8% of quarterly operating revenue. The distinction between pre-tax and post-tax profit matters when interpreting earnings; neither ratio identifies an underlying cost driver without a properly matched comparative period.
Ratios above are calculated from the reported quarterly figures. They are analytical descriptions, not company-reported margin guidance or an investment recommendation.
03 · Why it moved
Why the quarter looked the way it did
What drove revenue
Income from retail finance expanded to INR 10.86 crore in Q1 FY27 compared to INR 9.41 crore in Q1 FY26, serving as the primary driver of top-line expansion.
The company recorded INR 0.10 crore in service charges and INR 0.13 crore in bank fixed deposit interest during the quarter.
Income from retail finance formed the core of the top line, contributing INR 10.86 crore during the quarter compared to INR 9.41 crore in Q1 FY25.
What drove margins
Finance costs increased notably to INR 1.96 crore in Q1 FY27 compared to INR 0.99 crore in Q1 FY26, exerting pressure on bottom-line margins.
Employee benefit expenses stood at INR 1.20 crore, while administrative and other expenses were reported at INR 1.48 crore for the quarter.
Administrative and other expenses stood at INR 1.48 crore, remaining largely stable relative to INR 1.49 crore reported in Q1 FY25.
Employee costs were recorded at INR 1.20 crore during the quarter, compared to INR 1.04 crore in the corresponding period of the previous year.
04 · Segments, products & geography
Which parts of the business are doing the work
Segments and products
The company operates in a single major business segment, Retail Finance, and therefore does not report separate segment disclosures under Ind AS 108.
The company operates entirely within the retail finance sector, which is treated as its sole reportable segment under Ind AS 108.
05 · Reported developments
What changed operationally
Net profit after tax grew to INR 4.91 crore for Q1 FY27 compared to INR 4.57 crore in the corresponding quarter of the previous year.
Total revenue from operations increased to INR 11.09 crore for Q1 FY27, up from INR 9.47 crore in Q1 FY25.
06 · Cash flow & balance sheet
Profit is one thing. Cash and funding tell another part of the story.
Capital allocation & funding
The company raised INR 19.50 crore via private placement of Non-Convertible Debentures (NCDs) on 10th April 2026 under ISIN INE861D07018.
The entire amount of INR 19.50 crore raised through NCDs was fully utilized towards the stated objects of the issue with no deviation reported.
The company raised INR 19.50 crore via private placement of Non-Convertible Debentures on 10th April 2026, confirming that the entire amount was utilized for its stated objects with no deviations.
07 · Beyond the numbers
What changed beyond the numbers
Reported update
Financial Results Rectification
The company issued a clarification letter on 12th September 2026 addressing a minor clerical error in administrative expenses for Q1 FY27, which was corrected in the XBRL filing.
Reported update
Auditor Review
Statutory auditors Vora & Associates carried out a limited review of the standalone financial results for the quarter ended 30th June 2026.
Reported update
Administrative Expenses Clarification
The company later clarified a minor clerical correction regarding administrative expenses, updating the figure from INR 146 lakhs to INR 148 lakhs in XBRL submissions.
08 · Key Q&A
The quarter, answered directly
What does Shalibhadra Finance do?
Shalibhadra Finance Limited is an India-based non-banking financial company (NBFC) engaged primarily in the business of retail finance.
What is the clearest takeaway from Quarter ended 30th June 2026?
During the quarter ended 30th June 2026, Shalibhadra Finance reported total revenue from operations of INR 11.09 crore, reflecting growth compared to INR 9.47 crore in the corresponding quarter of the previous year and INR 10.98 crore in the preceding quarter.
What drove revenue or demand?
Income from retail finance expanded to INR 10.86 crore in Q1 FY27 compared to INR 9.41 crore in Q1 FY26, serving as the primary driver of top-line expansion.
What mattered most for margins or profitability?
Finance costs increased notably to INR 1.96 crore in Q1 FY27 compared to INR 0.99 crore in Q1 FY26, exerting pressure on bottom-line margins.
What changed operationally beyond the headline numbers?
The company issued a clarification letter on 12th September 2026 addressing a minor clerical error in administrative expenses for Q1 FY27, which was corrected in the XBRL filing.
What should the next disclosure help confirm?
Monitor the evolution of the debt-equity ratio, which stood at 0.34 as of June 30, 2026.
09 · Scenario calculator
Earnings sensitivity: what if growth and margins change?
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Example: enter 10 for 10% revenue growth. Enter -100 for a 1 percentage-point margin decline.
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The calculator holds the selected margin basis constant except for the basis-point adjustment you enter. It does not estimate tax, finance cost, dilution, working capital, valuation or share price.
10 · Next filing checkpoints
What the next disclosure can confirm or change
- 01
Debt-Equity Ratio Tracking: Monitor the evolution of the debt-equity ratio, which stood at 0.34 as of June 30, 2026.
Learn the metrics
Need the concepts first?
Use Nivata’s plain-English guides to understand the accounting terms used in this brief before interpreting them.