SBFC Finance Limited

rs,

Complex, Bandra (East), Mumbai – 400051. NSE Symbol: SBFC BSE Limited, Phiroze Jeejeebhoy Towers, 21st Floor, Dalal Street, Mumbai – 400001. BSE Scrip Code: 543959 Sub: Investor Presentation D

28%

on behalf of the Company. 2 Executive Summary 1 2 3 4 5 Profitability Profit after tax grew 28% YoY to ₹101 crore for the quarter Growth AUM grew 30% YoY to ₹9,351 crore Credit Quality Gross NP

₹101 crore

f the Company. 2 Executive Summary 1 2 3 4 5 Profitability Profit after tax grew 28% YoY to ₹101 crore for the quarter Growth AUM grew 30% YoY to ₹9,351 crore Credit Quality Gross NPA at 2.78% with PC

30%

3 4 5 Profitability Profit after tax grew 28% YoY to ₹101 crore for the quarter Growth AUM grew 30% YoY to ₹9,351 crore Credit Quality Gross NPA at 2.78% with PCR of 44.38% Operating Efficiency Cos

₹9,351 crore

ofitability Profit after tax grew 28% YoY to ₹101 crore for the quarter Growth AUM grew 30% YoY to ₹9,351 crore Credit Quality Gross NPA at 2.78% with PCR of 44.38% Operating Efficiency Cost-to-AUM ratio impro

2.78%

to ₹101 crore for the quarter Growth AUM grew 30% YoY to ₹9,351 crore Credit Quality Gross NPA at 2.78% with PCR of 44.38% Operating Efficiency Cost-to-AUM ratio improved by 21bps YoY to 4.59% Return R

44.38%

the quarter Growth AUM grew 30% YoY to ₹9,351 crore Credit Quality Gross NPA at 2.78% with PCR of 44.38% Operating Efficiency Cost-to-AUM ratio improved by 21bps YoY to 4.59% Return Ratios RoA of 4.50%

21bps

t Quality Gross NPA at 2.78% with PCR of 44.38% Operating Efficiency Cost-to-AUM ratio improved by 21bps YoY to 4.59% Return Ratios RoA of 4.50% and RoE of 13.53% 3 SBFC – Q1 FY26 Performance Size and

4.59%

ss NPA at 2.78% with PCR of 44.38% Operating Efficiency Cost-to-AUM ratio improved by 21bps YoY to 4.59% Return Ratios RoA of 4.50% and RoE of 13.53% 3 SBFC – Q1 FY26 Performance Size and Growth Dist

4.50%

44.38% Operating Efficiency Cost-to-AUM ratio improved by 21bps YoY to 4.59% Return Ratios RoA of 4.50% and RoE of 13.53% 3 SBFC – Q1 FY26 Performance Size and Growth Distribution Granular Book Ass

13.53%

Efficiency Cost-to-AUM ratio improved by 21bps YoY to 4.59% Return Ratios RoA of 4.50% and RoE of 13.53% 3 SBFC – Q1 FY26 Performance Size and Growth Distribution Granular Book Asset Quality Liabil

7%

ribution Granular Book Asset Quality Liability Profile Profitability 9,351 AUM YoY +30% | QoQ +7% 7,744 Secured MSME AUM YoY +30% | QoQ +7% 215 # Branches 4,503 Employees % 100% % Secured 2.7

“India ratings upgraded us to ‘AA -’ Included in MSCI Global Small Cap Index CARE, ICRA Ratings Upgraded us to ‘AA-’ in Q2 FY25.”

Average Ticket Size

1

Note

1

Average Ticket Size

Secured MSME / LAG (Lakh)* % 1.57% NNPA YoY +6 bps | QoQ +6 bps CRAR 34.3% Capital Adequacy 4.50% Return on AAUM YoY -6 bps | QoQ -2 bps 809 Secured MSME Disbursal Value YoY +51% | QoQ +6% 16 States & 2 UTs Pan India presence 1,76,447 # live customers 1.11% Credit Cost YoY +25 bps | QoQ +11 bps 9.32% Cost of Borrowing YoY -3 bps | QoQ -3 bps 17.99% Yield YoY +41 bps | QoQ +11 bps 8,619 Secured MSME Disbursal Volume YoY +48% | QoQ +9% 100% in-house Sourcing LTV 42.2% / 63.4% Secured MSME / LAG 44.38% PCR Note: All values in ₹ Cr unless stated otherwise, All metrics as of / for Q1 FY26 unless stated otherwise; 4 % AA- (Stable) Credit rating 8.67% Spread YoY +44 bps | QoQ +14 bps 215 branches 170 Cities 16 States 2 UTs Executive Summary Team: Experienced, cycle-tested, professional management with strong corporate governance backed by marquee investors Focused Segment: Offering Secured MSME loan to small businesses with focus on ₹5 lakh - ₹30 lakh ticket size Opportunity: Market size (₹5

Note

1. 2. 3. 4. Gross NPA% (Stage 3%) as per IND AS (including EIR adjustment). Net NPA% is as per IND AS. 1+ DPD % is for secured MSME at AUM level Collections efficiency defined for Standard Secured MSME loans as “amount of EMI received during the month, restricted to a max of 1 EMI per loan divided by EMI demand for the current month” 18 ECL Provisions Summary As on June 30, 2025 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % As on March 31, 2025 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % As on June 30, 2024 Gross Loans Outstanding ECL Provision Net Loans Outstanding ECL Provision % All figures in ₹ Cr Stage 2 308 18 290 5.88% Stage 2 238 14 224 6.08% Stage 2 231 12 219 5.37% Stage 1 7,672 30 7,642 0.38% Stage 1 7,195 28 7,167 0.38% Stage 1 5,833 34 5,799 0.58% 19 Stage 3 228 101 127 44.38% Stage 3 209 96 113 45.69% Stage 3 162 69 93 42.63% Total 8,208 149 8,059 1.81% Total 7,642 138 7,504 1.80% Total 6,226 115 6,111 1.85% Co