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SHIVALIK SMALL FINANCE BANK LIMITED
Shivalik Small Finance Bank is a Delhi-incorporated Small Finance Bank and India's first Urban Co-operative Bank to convert into an SFB, serving retail, MSME and underserved customers with a largely secured loan book and a strong base in Uttar Pradesh.
Sector Focus
Private Sector Bank
Highest Credit Rating
by
Listing (Debt)
BSE
Date of NBFC License by RBI
Business & Products
Private Sector Small Finance Bank
Key Management Personnel
Bonds issued by SHIVALIK SMALL FINANCE BANK LIMITED
Financial Performance
| Particulars | FY26 (₹ in cr) | FY25 (₹ in cr) | FY24 (₹ in cr) |
|---|---|---|---|
| AUM | 4,030.38 | 2,970.44 | 2,120.45 |
| NET WORTH | 491.18 | 351.34 | 232.17 |
| REVENUE | 591.81 | 422.88 | 309.38 |
| PAT | 4.10 | 0.94 | 2.40 |
| CRAR% | 19.97 | 20.95 | 20.18 |
| GNPA% | 2.93 | 2.70 | 2.01 |
| NNPA% | 2.05 | 1.51 | 0.84 |
| GEARING (TIMES) | 2.09 | 1.46 | 1.45 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|
Top Lenders to SHIVALIK SMALL FINANCE BANK LIMITED
NABARD
SIDBI
CCIL
NHB
Strength
Granular and well-diversified secured loan portfolio, with growth momentum likely to continue
Improving traction in deposits and competitive cost of funds
Stable asset quality; unsecured largely CGFMU covered
Adequate capitalisation; dependence on capital infusion to remain until internal accruals strengthen
Weakness
Profitability constrained by higher opex
Geographic concentration in portfolio
Modest scale of operations compared to peers
Source:
KID/IM, Rating Rationale of Shivalik Small Finance Bank Ltd.
