Spandana Sphoorty poised for a strong growth rebound with ₹4,088 Cr AUM, improved yields, and robust 47% CRAR supported by healthy disbursements and superior collection efficiency.
How Is Spandana Sphoorty Rebounding with Stronger Growth Momentum and Capital Support?
About Spandana Sphoorty
Spandana Sphoorty Financial Ltd, one of India’s leading microfinance institutions, has regained growth traction post restructuring. The company’s balance sheet stands reinforced through equity infusion and robust asset quality, enabling renewed disbursement momentum and a stronger franchise in the small-loan segment.
Financial & Operational Highlights
| Parameter | Details |
|---|---|
| Assets Under Management (AUM) | ₹4,088 Cr |
| Monthly Disbursement Rate | ~₹350 Cr |
| Yield on Loans | 23–26% |
| Collection Efficiency | >99% |
| Capital Adequacy Ratio (CRAR) | 47% |
AUM (Assets Under Management) represents the total active loan portfolio of ₹4,088 Cr — a key growth indicator for microfinance institutions. CRAR at 47% highlights strong solvency and ample capital cushion, while a collection efficiency of over 99% reflects healthy borrower repayment behaviour.
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Peer Comparison
| Company | AUM (₹ Cr) | CRAR (%) | Collection Efficiency (%) |
|---|---|---|---|
| Spandana Sphoorty | 4,088 | 47 | >99 |
| CreditAccess Grameen | 22,500 | 23 | 99 |
| Fusion Microfinance | 11,300 | 28 | 98 |
| Ujjivan SFB | 24,500 | 19 | 99 |
SWOT Analysis
Valuation & Investment View
Spandana’s capital strength and yield normalization make it a medium-term turnaround story within the microfinance ecosystem. The company’s profitability trajectory depends on sustained disbursement momentum and cost control, with AUM growth remaining the key driver through FY26.
- Short-term: Stable with limited upside as integration of funding lines continues.
- Medium-term: Margin recovery led by higher yields and improved cost efficiencies.
- Long-term: Strong compounding potential as financial inclusion deepens and credit access expands.
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Investor Takeaway
Indian-Share-Tips.com Nifty Expert Gulshan Khera, CFP®, who is also a SEBI Registered Investment Adviser, notes that Spandana’s strong liquidity, improved governance, and renewed loan growth make it a credible candidate for multi-year turnaround. The focus on digital efficiency and risk control enhances its long-term resilience.
Discover more insights at Indian-Share-Tips.com, which is a SEBI Registered Advisory Services.
Related Queries on Spandana Sphoorty Growth Outlook
- Spandana Sphoorty AUM growth analysis
- Impact of capital infusion on microfinance yield
- Peer comparison among MFI players
- Collection efficiency and borrower discipline trends
SEBI Disclaimer: The information provided in this post is for informational purposes only and should not be construed as investment advice. Readers must perform their own due diligence and consult a registered investment advisor before making any investment decisions. The views expressed are general in nature and may not suit individual investment objectives or financial situations.
