SBFC Finance Ltd IPO

Incorporated in 1983, Kolkata-based Tarsons Products manufactures laboratory products that are used in various research organisations, pharmaceutical companies, academia institutes, hospitals and diagnostic centres.

The company plans to go public and here’s all you need to know about this IPO.

Here’s the consolidated financial information for the last three years:

• Diversified pan-India presence with an extensive network to cater to its target customer segment;
• 100% in-house sourcing, leading to superior business outcomes;
• Comprehensive credit assessment, underwriting and risk management framework;
• Extensive on-ground collections infrastructure leading to maintenance of robust asset quality;
• Healthy liability franchise with low cost of funds;

• The risk of non-payment or default by its borrowers may adversely affect the company business, results of operations and financial condition.
• The company depends on the accuracy and completeness of information provided by its customers and certain third party service providers and its reliance on any erroneous or misleading information may affect its judgement of their creditworthiness, as well as the value of and title to the collateral.
• The quality of the company portfolio may be impacted due to higher levels of NPAs and its business may be adversely affected if the company is unable to provide for such higher levels of NPAs.
• The company inability to assess and recover the full value of collateral, or amounts outstanding under defaulted loans in a timely manner, or at all, could adversely affect the company business, results of operations and financial condition.
• The company require substantial capital for its business and any disruption in the company sources of capital could have an adverse effect on its business, results of operations and financial condition.

• Leverage our pan-India network to deepen its penetration in its target customer segment.
• Expand its product portfolio through offering affordable housing finance to its target customer segment, utilising its existing network.
• Diversify its source of borrowings and improve operating leverage.
• Utilize technology to drive operational efficiency.
• Leverage our pan-India network to deepen its penetration in its target customer segment.