SPANDANA SPHOORTY FIN LTD (SPANDANA) financials

SPANDANA SPHOORTY FIN LTD (SPANDANA) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

Spandana Sphoorty Financial is primarily engaged in the business of micro finance providing small value unsecured loans to low-income customers in semi-urban and rural areas.

Market Cap: ₹2,002Cr.
Current Price: ₹190
ROE: -25.9%
ROCE: -5.02%
Book Value: ₹247
Dividend Yield: 0.00%
52W High / Low: ₹320/181

In Jun 2026, SPANDANA SPHOORTY FIN LTD (SPANDANA) reported sales ₹262 Cr and net profit ₹16 Cr.

Annual TTM: sales ₹906 Cr, net profit ₹-279 Cr.

Shareholding: Promoters 48.16% (Sep 2026), FIIs 17.85% (Sep 2026), DIIs 5.71% (Sep 2026), Government 0.01% (Sep 2026), Public 28.28% (Sep 2026).

SPANDANA quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	636	509	374	262	199	207	238	262
Interest	245	213	172	139	111	104	122	129
Expenses	678	834	745	561	379	219	120	126
Financing Profit	-287	-538	-542	-438	-291	-115	-4	7
Financing Margin %	-45%	-106%	-145%	-167%	-146%	-56%	-2%	3%
Other Income	19	16	3	2	9	9	15	18
Depreciation	5	5	6	3	3	3	3	2
Profit before tax	-272	-526	-545	-439	-286	-109	8	23
Tax %	-25%	-25%	-25%	-25%	-24%	-24%	34%	30%
Net Profit	-204	-394	-410	-329	-218	-83	5	16
EPS in Rs	-22.99	-44.41	-46.24	-37.08	-24.60	-9.31	0.62	1.82
Gross NPA %	4.88%	4.85%	4.85%	4.88%	4.97%	2.60%	3.33%	2.91%
Net NPA %	0.97%	0.96%	0.96%	0.96%	0.97%	0.50%	0.64%	0.56%
Raw PDF	—	—	—	—	—	—	—	—

SPANDANA profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	1,409	1,444	1,376	1,329	2,280	2,181	907	906
Interest	357	419	515	447	900	879	479	466
Expenses	477	860	803	919	841	2,621	1,276	844
Financing Profit	575	164	58	-37	539	-1,319	-848	-403
Financing Margin %	41%	11%	4%	-3%	24%	-60%	-94%	-45%
Other Income	32	21	15	66	107	64	36	52
Depreciation	9	7	9	11	20	19	13	11
Profit before tax	598	178	65	18	626	-1,274	-825	-363
Tax %	44%	27%	28%	32%	25%	-25%	-24%	—
Net Profit	337	129	47	12	468	-957	-624	-279
EPS in Rs	42.09	16.12	5.43	1.40	52.75	-107.86	-70.40	-31.47
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	—

SPANDANA balance sheet (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	60	64	64	69	71	71	71	80
Reserves	1,827	2,544	2,652	2,962	2,972	3,485	2,551	2,114
Borrowing	2,945	3,016	5,197	3,631	5,934	9,012	5,197	3,824
Other Liabilities	67	317	433	201	208	301	189	159
Total Liabilities	4,898	5,942	8,346	6,864	9,186	12,870	8,008	6,177
Fixed Assets	9	16	20	14	29	32	26	16
CWIP	0	0	0	0	0	0	0	0
Investments	65	550	115	115	306	329	425	429
Other Assets	4,824	5,375	8,211	6,736	8,850	12,509	7,557	5,732
Total Assets	4,898	5,942	8,346	6,864	9,186	12,870	8,008	6,177

SPANDANA cash flows (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-650	-54	-1,618	820	-2,053	-2,327	3,783	506
Cash from Investing Activity	-59	-485	514	45	-178	-257	-200	178
Cash from Financing Activity	752	447	2,181	-1,272	2,317	3,159	-3,761	-1,171
Net Cash Flow	43	-92	1,077	-407	86	575	-179	-487
Free Cash Flow	-657	-58	-1,630	809	-2,065	-2,350	3,770	505

SPANDANA shareholding pattern (%)
Category	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters	48.13%	48.13%	48.13%	48.16%	48.16%	48.16%	48.16%	48.16%
FIIs	21.71%	19.83%	19.80%	20.26%	20.35%	19.89%	19.29%	17.85%
DIIs	6.30%	6.45%	5.65%	6.12%	5.78%	5.78%	5.68%	5.71%
Government	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.01%	0.01%
Public	23.86%	25.59%	26.43%	25.48%	25.72%	26.16%	26.87%	28.28%
No. of Shareholders	90,984	1,23,001	1,23,380	1,20,457	1,16,755	1,13,071	1,08,583	1,07,678

SPANDANA key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	29%	15%	5%	2%	0%	14%	-31%	-26%

SPANDANAUpdated 23 Oct 2026, 2:03

Spandana Sphoorty Fin Ltd

SPANDANAUpdated 23 Oct 2026, 2:03

Market Cap

₹2,002Cr.

Current Price

₹190

High / Low

₹320/181

Book Value₹247

Dividend Yield0.00%

ROCE-5.02%

ROE-25.9%

Face Value₹10.0

About

Spandana Sphoorty Financial is primarily engaged in the business of micro finance providing small value unsecured loans to low-income customers in semi-urban and rural areas.

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)	Gross NPA	Net NPA
Jun 2023	487	195	155	137	28	15	3	149	25	111	12.59	1.49	0.45
Sep 2023	584	223	231	131	22	30	5	156	25	116	13.16	1.27	0.38
Dec 2023	591	241	217	133	23	30	6	158	25	118	13.36	1.5	0.45
Mar 2024	631	239	255	138	22	32	7	164	25	122	13.78	1.43	0.29
Jun 2024	663	246	370	47	7	26	4	69	26	51	5.78	2.6	0.52
Sep 2024	636	245	678	-287	-45	19	5	-272	-25	-204	-22.99	4.88	0.97
Dec 2024	509	213	834	-538	-106	16	5	-526	-25	-394	-44.41	4.85	0.96
Mar 2025	374	172	745	-542	-145	3	6	-545	-25	-410	-46.24	4.85	0.96
Jun 2025	262	139	561	-438	-167	2	3	-439	-25	-329	-37.08	4.88	0.96
Sep 2025	199	111	379	-291	-146	9	3	-286	-24	-218	-24.6	4.97	0.97
Dec 2025	207	104	219	-115	-56	9	3	-109	-24	-83	-9.31	2.6	0.5
Mar 2026	238	122	120	-4	-2	15	3	8	34	5	0.62	3.33	0.64
Jun 2026	262	129	126	7	3	18	2	23	30	16	1.82	2.91	0.56

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2015	303	112	104	87	29	22	3	106	1	105	41.38
Mar 2016	345	129	219	-4	-1	251	4	243	0	243	95.76
Mar 2017	378	150	196	32	9	22	8	46	-873	443	125.26
Mar 2018	587	232	67	288	49	0	6	283	34	188	50.8
Mar 2019	1036	358	207	471	45	5	7	469	34	309	41.61
Mar 2020	1409	357	477	575	41	32	9	598	44	337	42.09
Mar 2021	1444	419	860	164	11	21	7	178	27	129	16.12
Mar 2022	1376	515	803	58	4	15	9	65	28	47	5.43
Mar 2023	1329	447	919	-37	-3	66	11	18	32	12	1.4
Mar 2024	2280	900	841	539	24	107	20	626	25	468	52.75
Mar 2025	2181	879	2621	-1319	-60	64	19	-1274	-25	-957	-107.86
Mar 2026	907	479	1276	-848	-94	36	13	-825	-24	-624	-70.4
TTM	906	466	844	-403	-45	52	11	-363	—	-279	-31.47

Shareholding pattern

As of Sep 2026%

Holder	Share
Promoters	48.16%
FIIs	17.85%
DIIs	5.71%
Government	0.01%
Public	28.28%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Government	Public
Dec 2023	59.89%	19.05%	13.45%	0%	7.62%
Mar 2024	59.75%	21.79%	10.53%	0%	7.92%
Jun 2024	56.85%	22.83%	8.96%	0%	11.35%
Sep 2024	55.84%	22.64%	7.33%	0%	14.19%
Dec 2024	48.13%	21.71%	6.3%	0%	23.86%
Mar 2025	48.13%	19.83%	6.45%	0%	25.59%
Jun 2025	48.13%	19.8%	5.65%	0%	26.43%
Sep 2025	48.16%	20.26%	6.12%	0%	25.48%
Dec 2025	48.16%	20.35%	5.78%	0.01%	25.72%
Mar 2026	48.16%	19.89%	5.78%	0.01%	26.16%
Jun 2026	48.16%	19.29%	5.68%	0.01%	26.87%
Sep 2026	48.16%	17.85%	5.71%	0.01%	28.28%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2015	20	-864	1365	2352	6	6	0	2341	2352
Mar 2016	20	-627	997	2100	14	0	0	2085	2100
Mar 2017	28	-2	68	1929	9	0	0	1920	1929
Mar 2018	30	216	42	3764	8	0	2	3754	3764
Mar 2019	60	1827	67	4898	9	0	65	4824	4898
Mar 2020	64	2544	317	5942	16	0	550	5375	5942
Mar 2021	64	2652	433	8346	20	0	115	8211	8346
Mar 2022	69	2962	201	6864	14	0	115	6736	6864
Mar 2023	71	2972	208	9186	29	0	306	8850	9186
Mar 2024	71	3485	301	12870	32	0	329	12509	12870
Mar 2025	71	2551	189	8008	26	0	425	7557	8008
Mar 2026	80	2114	159	6177	16	0	429	5732	6177

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2015	-182	-7	222	33
Mar 2016	114	-10	-128	-24
Mar 2017	-59	-1	315	255
Mar 2018	-1855	-6	1673	-188
Mar 2019	-650	-59	752	43
Mar 2020	-54	-485	447	-92
Mar 2021	-1618	514	2181	1077
Mar 2022	820	45	-1272	-407
Mar 2023	-2053	-178	2317	86
Mar 2024	-2327	-257	3159	575
Mar 2025	3783	-200	-3761	-179
Mar 2026	506	178	-1171	-487

Key ratios

Historical financial ratios

Category	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	—	—	—	138%	29%	15%	5%	2%	0%	14%	-31%	-26%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of SPANDANA SPHOORTY FIN LTD (SPANDANA)?

The reported market capitalisation for SPANDANA SPHOORTY FIN LTD (SPANDANA) is ₹2,002Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of SPANDANA?

The current price shown for SPANDANA SPHOORTY FIN LTD (SPANDANA) on Fincrux is ₹190 with a 52-week high/low of ₹320/181.

What were SPANDANA latest quarterly results?

For Jun 2026, SPANDANA SPHOORTY FIN LTD (SPANDANA) reported sales ₹262 Cr and net profit ₹16 Cr (figures in ₹ crore unless noted).

What are SPANDANA annual sales and net profit?

For TTM, SPANDANA SPHOORTY FIN LTD (SPANDANA) shows sales of ₹906 Cr and net profit of ₹-279 Cr on the Fincrux profit & loss statement.

Who owns SPANDANA SPHOORTY FIN LTD (SPANDANA)?

Latest shareholding for SPANDANA SPHOORTY FIN LTD (SPANDANA) on Fincrux: Promoters 48.16% (Sep 2026), FIIs 17.85% (Sep 2026), DIIs 5.71% (Sep 2026), Government 0.01% (Sep 2026), Public 28.28% (Sep 2026).

Where can I find SPANDANA SPHOORTY FIN LTD (SPANDANA) financials?

SPANDANA SPHOORTY FIN LTD (SPANDANA) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show SPANDANA balance sheet and cash flow?

Yes. The SPANDANA SPHOORTY FIN LTD (SPANDANA) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 23 October 2026 at 2:03