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Spandana Sphoorty Financial Limited: Business Overview, Financials & Competitive Analysis

Spandana Sphoorty Financial Limited scores 3/10 on the AskCyborg Cyborg Score (Challenged). Distressed microfinance player undergoing portfolio restructuring with elevated credit risk and margin compression, presenting high-risk turnaround dynamics. Q3 resulted in a net loss of ₹950M (improved from ₹4.4B YoY) with revenue declining to ₹2.34B from ₹5.5B in the prior year. The loan book contracted from ₹5,554.5 crore (Mar.

What is Spandana Sphoorty Financial Limited's industry? Spandana Sphoorty Financial Limited (spandanasphoorty.com) operates in Microfinance / NBFC-MFI (Non-Banking Financial Company - Microfinance Institution). AskCyborg classifies Spandana Sphoorty Financial Limited under Microfinance / NBFC-MFI (Non-Banking Financial Company - Microfinance Institution) in its company registry.

Spandana Sphoorty Financial Limited is a microfinance institution providing joint liability group based microfinance for women entrepreneurs, loans against property, nano enterprise loans, and individual loans to low-...

3/ 10Challenged

Cyborg Score thesis

Distressed microfinance player undergoing portfolio restructuring with elevated credit risk and margin compression, presenting...

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Industry Microfinance / NBFC-MFI (Non-Banking Financial Company - Microfinance Institution)
4 named competitors
4 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 28, 2026
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Spandana Sphoorty Financial Limited OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Spandana Sphoorty Financial Limited Overview

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Spandana Sphoorty Financial Limited is a microfinance institution providing joint liability group based microfinance for women entrepreneurs, loans against property, nano enterprise loans, and individual loans to low-income customers in semi-urban and rural areas. The company was founded in 1998 and is based in Hyderabad, India.

Strategic Profile

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The company holds NBFC-MFI status (granted in 2015) and was the fourth largest NBFC-MFI as of March 2019. However, the company faces significant operational headwinds with stressed asset portfolios, evidenced by recent loan portfolio optimization initiatives and asset quality challenges affecting profitability.

Competitive Landscape

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Spandana competes within India's NBFC-MFI segment with key players including CreditAccess Grameen, Suryoday Small Finance Bank, and Ujjivan Small Finance Bank. The microfinance sector faces headwinds from asset quality challenges and regulatory scrutiny, with consolidation trends accelerating. Spandana's competitive position has weakened due to portfolio stress and operational challenges.

Industry Context

Spandana Sphoorty Financial Limited operates in Microfinance / NBFC-MFI (Non-Banking Financial Company - Microfinance Institution).

Key facts

Founded: 1998 · Headquarters: Hyderabad, India · Revenue: ₹2.34B (Q3 FY2026) · Market cap: $2.04B (₹2,039.45 Cr as of Feb 20, 2026)

What the analysts stress-tested

The top findings that survived the multi-agent debate for Spandana Sphoorty Financial Limited.

  • Board approved in-principle merger of subsidiary Criss Financial Ltd with parent company
  • Stressed loan portfolio transfer to ARC with binding bid of ₹34.6 Cr for loans worth ₹493.6 Cr to improve asset quality
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Recent developments

Material events tracked by the AskCyborg corpus.

  • Feb 2026Interest payment of ₹0.99L confirmed for NCDs, paid on Feb 23, 2026 ahead of schedule
  • Jan 2026Q3 FY2026 results: Net loss of ₹950M, revenue declined 57.5% to ₹234.27 Cr YoY
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

CreditAccess GrameenNBFC-MFI providing microfinance to low-income customers→Suryoday Small Finance BankSmall finance bank offering credit to underserved segments→Ujjivan Small Finance BankSFB providing financial services to unbanked populations→Muthoot FinanceNBFC providing asset-backed lending and financial services→

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Industry context

Spandana Sphoorty Financial Limited operates in Microfinance / NBFC-MFI (Non-Banking Financial Company - Microfinance Institution). See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Spandana Sphoorty Financial Limited do?+
Spandana Sphoorty Financial Limited is a microfinance institution providing joint liability group based microfinance for women entrepreneurs, loans against property, nano enterprise loans, and individual loans to low-...
What is Spandana Sphoorty Financial Limited's Cyborg Score?+
Spandana Sphoorty Financial Limited has a Cyborg Score of 3/10 (Challenged). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Spandana Sphoorty Financial Limited's main competitors?+
Named competitors include CreditAccess Grameen, Suryoday Small Finance Bank, Ujjivan Small Finance Bank, Muthoot Finance. The full competitive landscape is in the AskCyborg report.
How can I get the full Spandana Sphoorty Financial Limited research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Spandana Sphoorty Financial Limited research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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