Supra Pacific Financial Services Ltd (540168)
Latest quarterly results (Q1 FY27)
In its latest reported quarter, Q1 FY27, Supra Pacific's net interest income was ₹10.2 Cr (-14.4% year on year, +0.1% on the previous quarter), and net profit ₹2.7 Cr (+116.8% year on year).
| Q1 FY27 (₹ Cr) | Value | YoY vs Q1 FY26 | QoQ |
|---|---|---|---|
| Net interest income | ₹10.2 | -14.4% | +0.1% |
| Operating profit | ₹3.6 | — | — |
| Net profit | ₹2.7 | +116.8% | -4.8% |
| EPS (₹) | 0.76 | +245.5% | +33.3% |
📢 Recent Corporate Announcements
Supra Pacific Financial Services reported its provisional business updates for the quarter ended September 30, 2026, with total loan principal outstanding reaching ₹418 crore. The portfolio is led by Gold Loans at ₹283 crore, followed by Microfinance (₹71 crore) and Vehicle Loans (₹56 crore). The company disbursed ₹305 crore during Q2 FY27 (₹464 crore in H1) and registered collections of ₹232 crore in Q2 (₹382 crore in H1). Gross NPA stood at ₹5 crore, representing ~1.2% of total loans, while total borrowings stood at ₹409 crore across 101 operational branches.
- Total principal loan outstanding stood at ₹418 crore as of September 30, 2026, led by ₹283 crore in Gold Loans
- Q2 disbursements reached ₹305 crore, while collections for the quarter stood at ₹232 crore
- Gross NPA contained at ₹5 crore on an overall loan portfolio of ₹418 crore
- Total borrowings stood at ₹409 crore, including ₹156 crore from NCDs and ₹124 crore from subordinated debts/ICL
- Operational footprint reached 101 branches across six states
Supra Pacific Financial Services held a Board of Directors meeting on September 21, 2026. The meeting commenced at 10:30 a.m., adjourned for the AGM at 11:00 a.m., reassembled at 11:30 a.m., and concluded at 12:00 p.m. The board noted the minutes from the previous meeting on September 17, 2026, and reviewed business operations and prospects. No financial decisions, fundraises, or material commercial changes were announced.
- Meeting conducted on September 21, 2026, concluding at 12:00 p.m.
- Adjourned for 30 minutes at 11:00 a.m. for the Annual General Meeting (AGM)
- Noted minutes of the previous board meeting held on 17th September, 2026
- Reviewed company business operations and prospects without announcing specific operational or financial changes
Supra Pacific Financial Services Limited submitted copies of newspaper advertisements published in Financial Express and Mumbai Lakshdweep on August 30, 2026. The notice covers the convening of the company's 40th Annual General Meeting (AGM) alongside instructions for remote e-voting. It also details procedures related to shareholder verification, record dates, and dividend payment protocols for the financial year ended March 31, 2026.
- Published notice for the 40th Annual General Meeting in Financial Express and Mumbai Lakshdweep on August 30, 2026
- Filing made pursuant to Regulation 30 and Regulation 47 of SEBI (LODR) Regulations, 2015
- Provides instructions for remote e-voting facility provided by NSDL to shareholders holding shares in physical or demat mode
Supra Pacific Financial Services has issued notice for its 40th AGM to be held on September 21, 2026. The company is seeking shareholder approval for enabling resolutions to raise up to Rs 500 Crore through private placement of Non-Convertible Debentures (NCDs) and up to Rs 500 Crore via Unsecured Subordinated Debt (Tier II). Additionally, it is proposing to increase its overall borrowing limit under Section 180(1)(c) up to Rs 1,500 Crore to support business expansion and operations.
- 40th AGM scheduled for September 21, 2026 via VC/OAVM; e-voting window open from September 18 to September 20, 2026
- Special resolution to raise up to Rs 500 Crore through private placement of NCDs over a 1-year period
- Approval sought to issue Tier II Unsecured Subordinated Debt up to Rs 500 Crore
- Proposed increase in borrowing powers under Section 180(1)(c) up to an aggregate limit of Rs 1,500 Crore
Supra Pacific Financial Services Limited has intimated that its 40th Annual General Meeting (AGM) will be held on September 21, 2026. The company has fixed September 14 as the record date for determining shareholder voting eligibility. This filing is a routine statutory intimation pursuant to Regulation 42 of SEBI Listing Regulations.
- 40th Annual General Meeting scheduled for September 21, 2026
- Record date for e-voting eligibility set as September 14
- Filing submitted under Regulation 42 of SEBI LODR Regulations
Supra Pacific Financial Services Ltd has scheduled its 40th Annual General Meeting (AGM) for Monday, September 21, 2026, via Video Conferencing. In connection with the AGM, the company's register of members and share transfer books will remain closed from September 15, 2026, to September 21, 2026. The cut-off date to determine shareholder voting eligibility is September 14, 2026, with remote e-voting active from September 18 to September 20, 2026.
- 40th Annual General Meeting scheduled for September 21, 2026, at 11:00 a.m. IST
- Share transfer books closed from September 15, 2026, to September 21, 2026
- Voting cut-off date fixed for September 14, 2026
- Remote e-voting window open from September 18, 2026, to September 20, 2026
Supra Pacific Financial Services has released its Annual Report for FY 2025-26 and scheduled its 40th Annual General Meeting for September 21, 2026. In FY26, the company achieved an AUM of ₹351.67 crore, while revenue from operations rose to ₹87.86 crore compared to ₹47.42 crore in FY25. Net profit increased significantly to ₹8.17 crore from ₹1.21 crore in the previous fiscal year. Asset quality showed a Gross NPA of 1.22% and Net NPA of 0.73%, supported by a CRAR of 38.89%.
- AUM reached ₹351.67 crore as of FY 2025-26
- Revenue from operations expanded to ₹87.86 crore in FY26 from ₹47.42 crore in FY25
- Net profit improved to ₹8.17 crore in FY26 compared to ₹1.21 crore in FY25
- Reported Gross NPA of 1.22%, Net NPA of 0.73%, and CRAR of 38.89% for FY26
- 40th AGM convened for Monday, September 21, 2026 at 11:00 AM IST via VC/OAVM
Supra Pacific Financial Services has submitted its statement of deviation for the quarter ended June 30, 2026, confirming that funds raised are being utilized as per original objectives. The company raised a total of ₹66.43 crore through five tranches between March and June 2026 via Rights Issues and Preferential Allotment of NCDs. The Audit Committee reviewed and approved the utilization report on August 12, 2026. No deviations or variations in the use of proceeds were reported for any of the fundraising rounds.
- Total funds raised across five tranches between March 30 and June 6, 2026, reached ₹6642.83 Lakh
- Largest single fundraise of ₹3646.08 Lakh occurred on March 30, 2026
- Infomerics Valuation and Rating Limited served as the monitoring agency for the Rights Issue
- Zero deviation reported in the utilization of funds for the quarter ended June 30, 2026
Supra Pacific Financial Services reported a strong Q1 FY27 with PAT more than doubling to ₹2.57 Cr from ₹1.22 Cr YoY. Revenue grew 41% YoY to ₹26.11 Cr, driven by an AUM increase to ₹365.58 Cr. Most significantly, the board has approved seeking shareholder permission to raise up to ₹1,000 Cr through NCDs and subordinated debt, a massive figure compared to its current ₹178 Cr market cap. The company maintains high yields of 23.91% but faces high borrowing costs of 12.78%.
- Net Profit (PAT) increased 110% YoY to ₹2.57 Cr in Q1 FY27 compared to ₹1.22 Cr in Q1 FY26
- AUM grew 25.8% YoY to ₹365.58 Cr from ₹290.46 Cr in the previous year's quarter
- Board approved a total fundraise limit of ₹1,000 Cr (₹500 Cr NCDs and ₹500 Cr Subordinated Debt)
- Proposed increase in total borrowing limit from ₹1,000 Cr to ₹1,500 Cr
- Asset quality remains healthy with GNPA at 1.24% and NNPA at 0.75% as of June 2026
Supra Pacific Financial Services reported a strong Q1 FY27 with PAT rising 110% YoY to ₹2.57 Cr, up from ₹1.22 Cr in the previous year. Revenue grew 41% YoY to ₹26.11 Cr, supported by a 25.8% increase in AUM to ₹365.58 Cr. Most significantly, the board has proposed raising up to ₹1,000 Cr through NCDs and subordinated debt, and increasing the total borrowing limit to ₹1,500 Cr, signaling aggressive expansion plans relative to its current ₹178 Cr market cap.
- Net Profit (PAT) increased 110% YoY to ₹2.57 Cr in Q1 FY27.
- Assets Under Management (AUM) grew to ₹365.58 Cr from ₹290.46 Cr in Q1 FY26.
- Board approved seeking shareholder approval for ₹500 Cr in NCDs and ₹500 Cr in Subordinated Debt.
- Proposed increase in borrowing limit from ₹1,000 Cr to ₹1,500 Cr.
- Asset quality remains stable with GNPA at 1.24% and NNPA at 0.75%.
Supra Pacific Financial Services has scheduled a board meeting on August 12, 2026, to approve Q1 FY27 results and consider a massive capital raise. The board will evaluate issuing up to Rs 500 crore in Unsecured Subordinated Debts and another Rs 500 crore in Non-Convertible Debentures (NCDs). Furthermore, the company proposes increasing its total borrowing limit from Rs 1,000 crore to Rs 1,500 crore. This total proposed fundraise of Rs 1,000 crore is highly significant, representing approximately 5.6x the company's current market capitalization of Rs 179 crore.
- Board to consider issuing Unsecured Subordinated Debts up to Rs 500 crore
- Board to consider issuing Non-Convertible Debentures (NCDs) up to Rs 500 crore
- Proposed increase in borrowing limit by Rs 500 crore to a new cap of Rs 1,500 crore
- Meeting scheduled for August 12, 2026, to approve unaudited Q1 FY27 financial results
- Appointment of Mr. Rathish Kumar R as Internal Auditor for FY 2026-27 to be considered
Supra Pacific Financial Services has approved the issuance of secured, unrated, and unlisted Non-Convertible Debentures (NCDs) totaling Rs 10 crore. The issue is targeted at private placement with a maximum subscription of less than Rs 1 crore per investor. The capital, carrying interest rates between 11.00% and 12.60%, is intended to support business operations and loan book expansion. This issuance represents approximately 10.8% of the company's TTM revenue of Rs 92 crore and 8.5% of its net worth.
- Total issue size of Rs 10,00,00,000 (Rs 10 Cr) through 1,00,000 NCD units.
- Tiered interest rates ranging from 11.00% to 12.60% depending on tenure and investor category (e.g., 12.50% for women/senior citizens for 60 months).
- Flexible tenure options including 13, 24, 36, 60, and 70 months.
- Allotment of the NCDs is scheduled to be completed before August 31, 2026.
- Security for the NCDs is created over the current assets of the company.
Supra Pacific Financial Services has scheduled a board meeting for July 25, 2026, to consider the issuance of secured, unrated, and unlisted Non-Convertible Debentures (NCDs). The issuance is structured for smaller-ticket investors with a maximum subscription limit of less than ₹1 crore per investor. This move aligns with the company's strategy to fund its loan book expansion, which supported a TTM revenue of ₹92 Cr and a PAT of ₹8 Cr. Investors should note that 'unrated' instruments carry higher credit risk compared to rated debt.
- Board meeting scheduled for July 25, 2026, to approve NCD issuance
- NCDs will be secured, unrated, and unlisted instruments
- Maximum subscription per investor capped at less than ₹1 crore
- Company reported a net profit of ₹2.8 Cr for the quarter ending March 2026
- TTM revenue stands at ₹92 Cr against a market cap of ₹171 Cr
Supra Pacific Financial Services reported a total loan book of ₹346 crore as of June 30, 2026, with Gold Loans accounting for 64% (₹221 crore) of the portfolio. The company demonstrated active operations with disbursements of ₹159 crore and collections of ₹149 crore during the quarter. Asset quality remains a key metric with Gross NPA reported at ₹4.50 crore, approximately 1.3% of the total loan book. Notably, total borrowings of ₹339 crore are nearly equal to the total loan book, indicating high leverage.
- Total loan book reached ₹346 crore as of June 30, 2026
- Gold loans represent the largest segment at ₹221 crore
- Quarterly disbursements of ₹159 crore nearly matched by ₹149 crore in collections
- Gross NPA stands at ₹4.50 crore against the ₹346 crore portfolio
- Total borrowings reported at ₹339 crore, including ₹152 crore in NCDs
Financial Performance
Credit Rating & Borrowing
The company is issuing unrated, unlisted Non-Convertible Debentures (NCDs) with a total value of INR 30 Cr. Borrowing costs range from 11.00% to 12.25% depending on tenure and payment frequency. These high interest rates reflect the unrated nature of the instruments, increasing the company's cost of capital which necessitates higher lending yields to maintain margins.
Operational Drivers
Raw Materials
Not applicable as the company operates in the financial services sector.
Strategic Growth
Growth Strategy
The company is raising INR 30 Cr through a private placement of NCDs to fund its business operations and prospects. This capital injection is intended to expand the loan book across different tenures (2, 5, and 6 years), allowing the company to scale its interest-earning assets and leverage its current asset base.
Products & Services
Financial services including the issuance of secured Non-Convertible Debentures (NCDs) and lending operations.
Brand Portfolio
Supra Pacific Financial Services Limited.
New Products/Services
Introduction of a 6-year 'doubling scheme' NCD with an effective interest rate of 12.25%, designed to attract long-term retail/private capital.
External Factors
Industry Trends
The NBFC sector is increasingly relying on private placements of NCDs to diversify funding sources away from traditional bank credit. Supra Pacific is positioning itself by offering high-yield (11-12.25%) unlisted instruments to capture niche private placement demand.
Competitive Landscape
Competes with other small-to-mid-sized NBFCs for private placement capital and lending market share.
Competitive Moat
The company's advantage lies in its ability to raise flexible, long-term capital (up to 6 years) through private placements, though the 'unrated' status suggests a lack of a traditional credit-rating-based moat, making it reliant on high-yield offerings to sustain investor interest.
Macro Economic Sensitivity
Highly sensitive to interest rate cycles; a 1% increase in benchmark rates could significantly increase the cost of future refinancing for the INR 30 Cr debt portfolio.
Consumer Behavior
Investor preference for 'doubling schemes' (6-year tenure) indicates a demand for long-term wealth accumulation products in the fixed-income space.
Regulatory & Governance
Industry Regulations
Compliance with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, specifically Regulation 30 regarding the disclosure of material events like the INR 30 Cr NCD issuance.
Legal Contingencies
The company reports 'Nil' for delays in payment of interest or principal and 'Nil' for any letters or comments regarding non-payment of security-related matters.
Risk Analysis
Key Uncertainties
The primary risk is the 'unrated' and 'unlisted' nature of the INR 30 Cr NCDs, which may limit liquidity for investors and indicates a higher risk profile for the issuer. A default in the underlying current assets could lead to a 100% loss of security for the debenture holders.
Third Party Dependencies
Dependency on private placement investors to subscribe to the 3,00,000 NCD units to meet the INR 30 Cr funding goal.
Credit & Counterparty Risk
The company faces credit risk on its current assets, which serve as the primary security for the INR 30 Cr borrowing.
