Supra Pacific Financial Services Ltd
Business updates for the Quarter and year ended March 31, 2026
RESULTS
● No Immediate Change
MEDIUM RISK
📅 Filed on BSE: 07 Apr 2026, 05:34 PM IST · BSE ID: d7c756f2-f17f-47bf-b9e1-673eadfe6326
View Original BSE Filing (PDF)
💡
In Simple Terms
The company disclosed its loan book size, lending composition, and funding structure for the year ending March 2026.
🤖 AI Summary
- Total loan portfolio at ₹335.63 Cr across three lending segments as of March 31, 2026
- Gold loans form largest segment at ₹211.69 Cr; micro finance at ₹62.04 Cr and vehicle loans at ₹54.93 Cr
- Annual disbursements of ₹1057.62 Cr against collections of ₹968.21 Cr in FY26
- Operating footprint: 88 branches across five states with gross NPA of ₹3.64 Cr
- Total borrowings at ₹325.92 Cr funded through debentures, subordinated debt, and secured borrowings
🔢 Key Numbers — exact figures from BSE filing, not rounded
Total Loan Portfolio
₹335.63 Cr
Gold Loan Outstanding
₹211.69 Cr
Micro Finance Loan Outstanding
₹62.04 Cr
Vehicle Loan Outstanding
₹54.93 Cr
FY26 Total Disbursements
₹1057.62 Cr
FY26 Total Collections
₹968.21 Cr
Total Borrowings
₹325.92 Cr
Operating Branches
88 branches
🏢 How This Affects the Company
Portfolio composition shows concentration in gold lending (63% of total loans at ₹211.69 Cr) with diversification into vehicle loans and micro finance. Branch network of 88 locations across five states establishes regional presence.
Total borrowings of ₹325.92 Cr nearly match total loans of ₹335.63 Cr, indicating asset-liability alignment. Net disbursement surplus of ₹89.41 Cr in FY26 signals loan book expansion during the year.
88-branch operating structure across five states indicates multi-state operations. Collection efficiency of 91.5% (₹968.21 Cr collected against ₹1057.62 Cr disbursed) reflects operational execution.
Gross NPA of ₹3.64 Cr represents 1.08% of total loans, within industry norms. High concentration in gold loans (63%) creates segment-specific risk exposure.
👥 What This Means For Shareholders
✅
Action Required
Await statutory audit completion and audited results announcement to confirm provisional figures and assess financial position.
👤
Who Is Affected
All shareholders holding equity in Supra Pacific. Asset-liability structure and NPA levels directly impact net worth and earnings distribution capacity.
🔍
Management Signal
Disclosure of provisional business metrics indicates transparent reporting intent and loan portfolio diversification across segments and states.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Statutory audit completion and audited FY26 financial results — verify provisional figures accuracy
Q1 FY27 update — track loan portfolio growth trajectory and collection efficiency sustainability
NPA movement in quarterly filings — monitor gross NPA trend relative to total portfolio growth
MEDIUM RISK
Portfolio concentration in gold lending (63%) creates segment risk. Provisional figures pending audit introduce reporting uncertainty.
💡 Investor Takeaway
Supra Pacific's ₹335.63 Cr loan portfolio is 97% funded through ₹325.92 Cr borrowings. Gold lending dominates at 63%. Gross NPA at ₹3.64 Cr (1.08% of loans). Collection efficiency 91.5%. Statutory audit completion pending.
⚖️ Strengths & Concerns
✅ Positives
- Asset-liability ratio balanced with total borrowings of ₹325.92 Cr supporting ₹335.63 Cr loan portfolio
- Collection efficiency at 91.5% demonstrates effective portfolio management and customer servicing capability
⚠️ Concerns
- Portfolio heavily concentrated in gold loans at ₹211.69 Cr (63%), limiting diversification and income stability
- All figures are provisional pending statutory audit, creating uncertainty until finalized financial statements released