Supra Pacific Financial Services Ltd · BSE:SUPRAPFSL
Supra Pacific Financial Services — Investor Presentation (July 2025)
39 slides from Supra Pacific Financial Services's investor presentation, Jul 30, 2025
Slide 1: BSE cover letter: Press Release
REF. No.: SPFSL/BSE/SEC/2025-26/33 DATE :30th July 2025 BSE Ltd. Corporate Relationship Department, First Floor, New Trading Wing, Rotunda Building, P J Towers, Dalal Street, Fort, Mumbai – 400 001. SCRIP CODE: 540168 Dear Madam/Sir (s), Sub: - Press Release Pursuant to Regulation 30 of SEBI (Listin
Slide 2: Press Note: Growth Targets for 2027
Press Note: Supra Pacific Financial Services Limited Sets Ambitious Growth Targets for 2027 Mumbai, 30-07-2025: Supra Pacific Financial Services Limited, a BSE-listed Non-Banking Finance Company (NBFC), [Scrip code 540168] has announced its strategic growth vision, aiming to achieve an Assets Under
Slide 3: Corporate Presentation FY 25
CORPORATE PRESENTATION FY 25 effort counts Every contribution matters
Slide 4: About Supra Pacific
Supra Pacific Financial v We are the Third Gold Services Limited, is a Non- Loan NBFC in Kerala listed Banking Finance Company in the Bombay Stock (NBFC) registered with the Exchange(BSE). Reserve Bank of India. We are currently one of the fastest growing NBFCs in India. effort counts Every contribu
Slide 5: Accolades
Accolades Supra Pacific Financial Services Limited, is a Non- Banking Finance Company (NBFC) registered with the Reserve Bank of India. effort counts Every contribution matters
Slide 6: Managing Director's Message
Managing Director’s Message As we navigate the path ahead for FY 2025–26 and beyond, I am pleased to present the progress and strategic outlook of Supra Pacific Financial Services Ltd. FY 2024–25 marked a transformative year, during which we fortified our strategic foundation to enable sustainable a
Slide 7: Products
Products NEW TWO USED TWO GOLD LOAN USED CAR LOAN WHEELER LOAN WHEELER LOAN BUSINESS LOAN PERSONAL LOAN MICROFINANCE effort counts Every contribution matters
Slide 8: Supra Pacific Journey
Supra Pacific- Journey 1986 Jul 1996 1998 1999 Initially registered as Listed at Pune and Renamed and re- Received NBFC Mid East Consultants Ahmedabad Stock incorporated as Supra License. Pvt. Ltd., on 11/04/1986 Exchanges. Company Pacific Management became ‘Public Limited’ Consultancy. FY 22 Jan 20
Slide 9: Financial Results
DEBT EQUITY RATIO 3.25% CRAR 32.31% GNPA Financial Results 0.77% AUM FY 2025 255.55 Cr (Y-O-Y - 97%) NET PROFIT 1.21 Cr NNPA 0.47% NET WORTH 64.94 Cr effort counts Every contribution matters
Slide 10: Operational Highlights
Operational Highlights Shareholders AUM PAT Yield ₹ 1.21 Cr Fund 20.46% FY 25: ₹ 255.55 Cr ₹ 74.39 Cr Balance Sheet Size FY 25: ₹ 297.31 Cr No of Live Borrowing Cost New Customers 10.68% Customers 19,344 37,541 Total Borrowings in FY 25: ₹ 212.01 Cr Disbursement in EPS BBB- INFOMERICS Rating FY 25:
Slide 11: Geographical Presence
Geographical Presence Geographically Spread Across 4 States 76 Branches 21 21Districts Districts Kerala- 38 Branches- 13 Metros AUM: 99.24 Cr Maharashtra- 18 Branches- AUM: 88.92 Cr 43 Urban Karnataka- 16 Branches- AUM: 55.37 Cr 13 Semi Urban Tamil Nadu- 4 Branches- AUM: 3.80 Cr 7 Rural effort count
Slide 12: Balance Sheet Size Growth
Balance Sheet Size Growth ₹. In Crores 84% ₹ 297.31 101% ₹ 161.62 ₹ 80.54 FY 23 FY 24 FY 25 effort counts Every contribution matters
Slide 13: AUM Growth
AUM Growth ₹. In Crores 97% ₹ 255.55 113% ₹ 129.97 ₹ 61.06 FY 23 FY 24 FY 25 effort counts Every contribution matters
Slide 14: Disbursements, Net Worth, Debt Equity Ratio, PAT
Disbursements( In Crores) Net Worth( In Crores) 131% 21% 516.63 149% 64.48 53.21 183% 223.74 21.40 78.97 FY 23 FY 24 FY 25 FY 23 FY 24 FY 25 Debt Equity Ratio Profit After Tax( In Crores) 3.25 15.83 2.17 1.68 4.93 1.21 FY 25 FY 26(Projected) FY 27( Projected) FY 23 FY 24 FY 25 effort counts Every co
Slide 15: EPS, Share Price, Shares, EBITDA
Earning Per Share (₹) Share Price (₹) 3.60 120 60 1.41 28 0.43 FY 25 FY 26(Projected) FY 27( Projected) FY 25 FY 26(Projected) FY 27(Projected) Number of shares (in Crores) EBDITA (in Crores) 109.33 4.88 3.82 3.00 51.87 19.19 FY 25 FY 26(Projected) FY 27(Projected) FY 25 FY 26( Projected) FY 27(Proj
Slide 16: State wise AUM Growth
State wise AUM Growth ₹. In Crores FY 2024 FY 2025 115% AUM GROWTH ₹ 99.24 52% 97% YoY ₹ 88.92 110% ₹ 55.37 ₹ 58.36 ₹ 46.18 ₹ 26.31 ₹ 3.80 0 Kerala Maharashtra Karnataka Tamil Nadu Kerala Maharashtra Karnataka Tamil Nadu effort counts Every contribution matters
Slide 17: AUM Growth by Product
AUM Growth – Retails AUM Growth and – All other loans Products 77.56% 161.57 Cr Gold Loan Gold Loans AUM Microfinance GROWTH 97% YoY 90.99 Cr Auto Loan 65.25% Gold 192% 44.68 Cr Other Loans Loans 35.16 Cr 27.04 Cr 13954% Micro Auto 12.01 Cr Auto Finance Loans 5.91 Cr Loans 0.04 Cr Other Loans Micro
Slide 18: Product Wise State Wise AUM
Product Wise State Wise AUM FY 2025 247.33 Cr ₹. In Crores Total AUM: ₹ 88.92 Total AUM: ₹ 99.24 Total AUM: ₹ 55.37 Total AUM: ₹ 3.8 Other Loans Other Loans, Other Loans Other Loans ₹ 0.11 ₹ 5.66 ₹ 0.07 ₹ 0.06 Gold Loan Micro Auto Loan Finance ₹ 35.16 Microfinance Gold Loan Axis Title Gold Loan Gold
Slide 19: Product Wise Disbursement
Product Wise Disbursement ₹. In Crores FY 2024 FY 2025 Gold Loan 180.94 428.46 136.79% Auto Loan 21.23 39.41 85.63% DISB GROWTH Microfinance 19.1 40.94 114.34% 131% YoY 2.47 7.8 215.78% Other Loans FY FY 2024 223.74 Cr 2025 516.62 Cr effort counts Every contribution matters
Slide 20: Product Wise State Wise Disbursement
Product Wise State Wise Disbursement FY 2025 516.62 Cr ₹. In Crores Total Disb: ₹ 224.20 Total Disb: ₹ 131.98 Total Disb: ₹ 153.34 Total Disb: ₹ 7.09 Other Loans Other Loans, Other Loans Other Loans ₹ 0.39 ₹ 6.93 ₹ 0.35 ₹ 0.13 Gold Loan Micro Finance Auto Loan ₹ 40.94 Gold Gold Gold Microfinance Loa
Slide 21: GNPA & NNPA
GNPA & NNPA GNPA% NNPA% 0.79% 0.61% 0.47% 0.40% 0.36% 0.24% FY 23 FY 24 FY 25 FY 23 FY 24 FY 25 effort counts Every contribution matters
Slide 22: Portfolio Analysis
Portfolio Analysis 0.00 Portfolio Analysis Product – wise Analysis ₹. In Crores NPA 161.57 1.94 Cr Regular 0.68 1.24 44.00 33.92 0.02 5.89 GOLD LOAN MICROFINANCE VEHICLE LOAN OTHER LOANS Bucket – wise Analysis Regular: 97.44% 0-60 bucket: 1.40% 245.38 Cr 60-90 bucket: 0.10% 90-120 bucket: 0.28% Regu
Slide 23: Shareholding Pattern
Shareholding Pattern Shareholding Pattern (As on 10th June 2025) Corporate Promoters, Investors, 16.81% 24.79% Public, 58.40% effort counts Every contribution matters
Slide 24: Sources of borrowing
Sources of borrowing Bank Borrowings 24.71 Cr Total NCD Borrowing: Subordinate 77.46 Cr 212.01 Cr Debt Total Fund Cost: 10.68% 74.33 Cr NBFC Borrowings 35.51 Cr effort counts Every contribution matters
Slide 25: Financial Performance – FY 24-25
Financial Performance – FY 24-25 ₹. In Lakhs Parameters FY 23 FY 24 FY 25 Disbursement 7897.57 22374 51663 Assets Under Management-AUM 6,106.41 12,997.03 25,555.83 Return on Equity- ROE % 1.16 0.86 1.33 Net Interest Margin- NIM 10.88% 8.96% 9.78% Net Interest Income- NII 612.04 1,123.28 2,317.59 Ope
Slide 26: Statement of Sources and Application of Funds
Statement of Sources and Application of Funds ₹. In Lakhs Period Ended Particulars Mar-24 Mar-25 Sources of Funds Equity 2,669.60 2,996.00 Reserves & Surplus 2,652.00 3,452.67 Other Financial Liability 1,429.68 1,917.75 Borrowings 9,254.04 21,200.78 Other Liabilities and Provision 156.68 163.79 TOTA
Slide 27: Profit & Loss Statement
Profit & Loss Statement Profit & Loss Statement Particulars FY 23 (in Lakhs) FY 24 (in Lakhs) FY 25 (in Lakhs) Revenue from Operations Interest Income 1052.65 1929.08 3943.68 Fees and Commission Income 158.45 656.19 798.29 Total Revenue From Operations 1211.1 2585.27 4741.97 Other Income 25.23 6.16
Slide 28: Banking Partners
Banking Partners effort counts Every contribution matters
Slide 29: NBFC Partners
NBFC Partners effort counts Every contribution matters
Slide 30: Meet Our Team
Meet Our Team Mr. Joby George Promoter & Managing Director A visionary leader with over two decades of accomplished experience in the financial services and marketing sector. His career is marked by his instrumental role in developing and scaling marketing and sales teams across several leading fina
Slide 31: Meet Our Team
Meet Our Team Mr. Sandeep Babu Mr. Abidh Abubakkar Promoter & Director Executive Director A seasoned financial industry leader with over A dynamic financial services professional with 20 years of experience in strategic planning, over 17 years of experience across leading agent network development,
Slide 32: Meet Our Team
Meet Our Team Mrs. Dhanya Jose Mr. A G Varughese Independent Director Independent Director A seasoned corporate leader with over 12 years A highly accomplished banking professional of cross-industry experience and a strong legal with over 48 years of experience across and compliance background as a
Slide 33: Branch expansion Plan- FY 25-26
Branch expansion Plan- FY 25-26 FY 25-26 Branches: 84 Kerala -38 Maharashtra - 19 Tamil Nadu - 10 +1 Maharashtra Karnataka - 16 Goa Goa - 1 Karnataka +6 Tamil Nadu Kerala effort counts Every contribution matters
Slide 34: Branch expansion Plan- FY 26-27
Branch expansion Plan- FY 26-27 FY 26-27 Branches: 186 Kerala -40 Maharashtra - 50 Karnataka - 40 Tamil Nadu - 35 60 Maharashtra 50 +31 Telangana - 10 Telangana +10 Andhra Pradesh - 10 Karnataka Goa Andhra +24 Pradesh +10 Goa - 1 Tamil Nadu +25 +2 Kerala effort counts Every contribution matters
Slide 35: Business Projection
Business Projection ₹ 1000 Cr AUM 2026-27 AUM of ₹ 1000 Cr • Branch business: ₹ 550 Cr ₹ 500 Cr AUM -Gold loan: ₹ 500 Cr -Personal loan: ₹ 30 Cr -Business loan: ₹ 20 Cr 2025-26 • Vehicle loan: ₹ 300 Cr • Micro finance: ₹ 150 Cr AUM of ₹ 500 Cr • Branch business: ₹ 300 Cr -Gold loan: ₹ 255 Cr ₹ 255 C
Slide 36: Profit Projection
Profit Projection FY 26-27 Projected Net Profit- 15.84 Cr FY 25-26 Projected Net Profit- 5 Cr FY 24-25 Audited Net Profit – 1.21 Cr Audited Net Profit – 0.55 Cr FY 23- 24 effort counts Every contribution matters
Slide 37: Expected Yield
Expected Yield 28% 28% 28% 26% 24% 22% 22.50% Gold Loan Micro finance Used TW New TW Used Car Business Loan Personal Loan effort counts Every contribution matters
Slide 38: Net Worth projection
Net Worth projection ₹. In Crores 219.40 103.57 64.39 53.22 FY 23-24 FY 24-25 FY 25-26(Projected) FY 26-27(Projected) effort counts Every contribution matters
Slide 39: Thank You
THANK YOU effort counts Every contribution matters
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