188.65
+3.36%
Close of 9 Nov 2026, in INR
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About Spandana Sphoorty Financial
Its shares trade on NSE under the ticker SPANDANA.NS. It has been listed since 19 August 2019. In the fiscal year to 31 March 2026, it reported a net loss of ₹6.99bn. At that date it held total assets of ₹62.46bn and shareholders' equity of ₹21.29bn.
Spandana Sphoorty Financial Ltd. engages in the provision of financial services. The company is headquartered in Hyderabad, Telangana. The company went IPO on 2019-08-19. The firm offers income generating loans under the joint liability group (JLG) model to women from low-income households in rural areas. The company offers a range of financial products and services to low-income households and individuals to improve their quality of life. The firm's products include Chetana, Loan Against Property (LAP), and Nano Enterprise Loans. Its product is JLG based micro-loans designed for women entrepreneurs. The Company, through its wholly owned subsidiary, Criss Financial Ltd, provides loan products, such as LAP and loans to Nano enterprises. The firm operates approximately 1227 branches.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 19 Aug 2019
- Employees
- 9,674
- Website
- spandanasphoorty.com ↗
Leadership
Pay as last reported
- Mr. Shriraj VedsenChief Business Officer - East
- Mr. Vinay TripathiCompany Secretary₹9.9m
- Ms. Saakshi GeraNon-Executive Nominee Director
- Mr. Ramachandra KamathNon-Executive Nominee Director₹3.0m
- Mr. Sunish SharmaNon-Executive Nominee Director
- Mr. Neeraj SwaroopNon-Executive Nominee Director₹3.0m
- Mr. Animesh ChauhanNon-Executive Independent Director₹3.0m
- Mr. Vinayak PrasadNon-Executive Independent Director₹3.0m
- Mrs. Dipali ShethNon-Executive Independent Director₹3.0m
- Mr. Deepak VaidyaNon-Executive Independent Director₹3.0m
- Ms. Abanti MitraNon-Executive Independent Chairman of the Board₹3.0m
- Mr. Ashish DamaniPresident, Chief Financial Officer₹68.8m
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 56
- Environment
- 19
- Social
- 83
- Governance
- 66
- Direct emissions (scope 1)
- 178.165 t
- Energy emissions (scope 2)
- 3,140.67 t
- Women in the workforce
- 2%
- Carbon reduction policy
- Yes
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Headquartered in Hyderabad, Telangana with 9,674 employees.
- Offers income generating loans under the joint liability group model to women in rural areas.
- Operates approximately 1,227 branches across its service area.
Weaknesses
- Relies on a single business model focused on low-income households.
- Dependent on a wholly owned subsidiary for certain loan products.
- Limited product diversity beyond micro-loans and property loans.
Opportunities
- Expansion into new markets for financial services targeting low-income groups.
- Potential to diversify product offerings beyond current micro-loan focus.
- Growth in rural financial inclusion initiatives across India.
Threats
- Competition from other financial institutions offering similar services.
- Economic downturns affecting low-income household spending and repayment capacity.
- Regulatory changes impacting microfinance operations in rural areas.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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