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Spandana Sphoorty Financial Limited
Spandana Sphoorty Financial Limited (SSFL) was incorporated by Padmaja Reddy in 1998. The company was classified as an NBFC– microfinance institution in 2015.
Sector Focus
Finance (NBFC)
Highest Credit Rating
A- Stable by CARE
Listing (Debt)
NSE & BSE
Date of NBFC License by RBI
2015
Business & Products
Lending- Microfinance – JLG Loans for women, Loan for working capital requirements, business expansion, Micro Loans for consumer durables, Water Sanitation & Hygiene Loan
Promoter
Ms. Padmaja Gangireddy
Private Equity Kedaara Capital
Key Management Personnel
Ms. Abanti Mitra
Non-Executive Chairperson And Independent Director
Mr. Ashish Damani
Interim CEO, President and CFO
Bonds issued by Spandana Sphoorty Financial Limited
Financial Performance
| Particulars | FY25 (₹ in cr) | FY24 (₹ in cr) | FY23 (₹ in cr) |
|---|---|---|---|
| NET WORTH | 2622 | 3556 | 3043 |
| REVENUE | 2245 | 2386 | 1394 |
| PAT | -956.74 | 467.88 | 12.37 |
| CRAR% | 36.31 | 31.95 | 36.87 |
| GNPA% | 4.85 | 1.43 | 1.95 |
| NNPA% | 0.96 | 0.29 | 0.58 |
| GEARING (times) | 1.98 | 2.53 | 1.95 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| CARE Ratings | A- | Stable | -- |
Top Lenders to Spandana Sphoorty Financial Limited
Kotak Mahindra Bank
HSBC
IDFC First Bank
RBL Bank
Standard Chartered Bank
Yes Bank
JM Financial Credit Solutions Ltd
Strength
Adequate capitalisation profile
Diversified resource profile with increasing reliance on bank borrowings
Weakness
Weak profitability on account of elevated credit cost and operating expenses
Weak asset quality metrics
Inherent industry risks
News & Announcement
Important Links
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Headline
Published On
SPANDANA SPHOORTY FINANCIAL LIMITED has informed the Exchange regarding Analysts/Institutional Investor Meet/Con. Call Updates. Filed on 31-Jan-2026 18:17:28.
Announcements
31 Jan, 2026 06:17 PM
SPANDANA SPHOORTY FINANCIAL LIMITED has informed the Exchange regarding Copy of Newspaper Publication. Filed on 28-Jan-2026 14:31:37.
Announcements
28 Jan, 2026 02:31 PM
SPANDANA SPHOORTY FINANCIAL LIMITED has informed the Exchange regarding Change in Directors/ Key Managerial Personnel/ Auditor/ Compliance Officer/ Share Transfer Agent. Filed on 27-Jan-2026 18:51:25.
Announcements
27 Jan, 2026 06:51 PM
SPANDANA SPHOORTY FINANCIAL LIMITED has informed the Exchange regarding Monitoring Agency Report. Filed on 27-Jan-2026 18:38:37.
Announcements
27 Jan, 2026 06:38 PM
SPANDANA SPHOORTY FINANCIAL LIMITED has informed the Exchange regarding Statement of deviation/variation in use of Issue proceeds. Filed on 27-Jan-2026 17:10:38.
Announcements
27 Jan, 2026 05:10 PM
Market News New
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Source:
Investor Presentation , Information Memorandum & Rating Rational of Spandana Sphoorty Financial Limited
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India Bond Private Limited
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
Registered Address: 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz - (East), Mumbai – 400 098.
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