What Supra Pacific does

Supra Pacific Financial Services Limited is a BSE-listed, RBI-regulated Indian Non-Banking Financial Company (NBFC) incorporated in 1986, providing a diversified retail and SME lending portfolio that includes gold loans (the flagship secured product with same-day disbursal against pledged jewellery), unsecured personal loans (₹5,000–₹2,00,000 at rates starting 17.99% p.a.), two-wheeler and used-car auto loans, secured business loans under the Vyapar Vikas and Vyapar Vikas+ schemes (up to ₹5,00,000 with daily repayment collections), and group-lending microfinance targeted at rural women via Joint Liability Groups. The company's revenue model is anchored in interest income across these lending products, supplemented by insurance distribution commissions earned through partnerships with HDFC Life, Care Health Insurance, and ICICI Lombard, plus transaction fees on SEBI/RBI-regulated Non-Convertible Debenture (NCD) issuances planned for FY27.

The operating model relies on a physical branch-led go-to-market approach: 80+ branches across five Indian states (Maharashtra, Kerala, Tamil Nadu, Karnataka, Andhra Pradesh, and Goa), supported by digital channels including an EMI calculator, online gold-loan calculator, digital repayment portals, and an online application interface. The technology stack is conventional NBFC infrastructure — loan origination, gold appraisal workflows, digital repayment systems — with no disclosed AI/ML, proprietary credit-scoring models, or platform integrations. Distribution is augmented by Relationship Officers in microfinance and dedicated relationship managers in the SME business-loan vertical.

Commercially, Supra Pacific has reported a 64% year-on-year asset-base expansion to ₹499 crore in FY26 (from ₹290 crore previously) and a 104.45% year-on-year increase in quarterly sales to ₹24.33 crore in the December 2025 quarter, alongside a 4,080% jump in quarterly net profit to ₹2.09 crore. The company has articulated an aggressive three-year expansion plan targeting 500 branches across 15 Indian states, an asset base of ₹2,500 crore, headcount growth from ~700 to over 2,000, and a near-term goal of ₹750 crore in assets. It holds a BBB-stable credit rating, ISO certification, and Great Place to Work certification, and is regulated under SEBI and RBI as both an NBFC and an NCD issuer.

Name

Supra Pacific

Legal name

Supra Pacific Financial Services Limited

Website

https://suprapacific.com

Company type

Public

Founded year

1986

Operating status

Operating

Headcount range

101–250 employees

Short description

Supra Pacific Financial Services is a BSE-listed Indian NBFC (founded 1986) offering gold, business, auto, personal, and microfinance loans, plus NCDs and insurance distribution, to retail and SME borrowers through 80+ branches across five states.

Ownership category

akta.pro rank

Product category

Non-Banking Financial Services (NBFC)

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

akta.pro secondary industry

Asset-Based Lending (ABL) (FSANADAD)

Keywords

• Gold loans
• Business loans
• Microfinance lending
• Auto loans
• Personal loans

Headquarters

HQ city

Kochi

HQ country

India

HQ region

Asia

Offices11 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Marketing or Sales, Technology or R&D, Supply Chain, Others

Revenue model

1. Gold Loan Interest Income: Secured loans against gold collateral with competitive interest rates, offering quick disbursal and flexible repayment options including daily, weekly, or monthly EMIs.
2. Business Loan Interest Income: Loans for SMEs including Vyapar Vikas and Vyapar Vikas+ products with daily repayment collections targeting small traders and micro-entrepreneurs.
3. Auto Loan Interest Income: Two-wheeler and used car loans with competitive interest rates, flexible tenures up to 60 months, and funding up to 90% on select car categories.
4. Personal Loan Interest Income: Unsecured personal loans ranging from ₹5,000 to ₹2,00,000 with tenure of 6-12 months and interest rates starting at 17.99%.
5. Microfinance Interest Income: Group lending-based microfinance loans for women in rural areas with loan amounts of ₹20,000 to ₹30,000 and weekly repayment through center meetings.
6. Insurance Commission: Revenue from insurance partnerships with HDFC Life (life insurance), Care Health Insurance (health insurance), and ICICI Lombard (general insurance), earning commissions on policies sold.
7. Non-Convertible Debentures (NCDs): Fixed-income instruments offering predictable, regular interest payouts to investors, issued under SEBI and RBI regulations. This is an investment product that Supra Pacific offers to raise capital.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Supra Pacific Financial Services Limited is a BSE-listed Indian Non-Banking Financial Company (NBFC) that provides secured and unsecured lending products — including gold loans, business/SME loans (Vyapar Vikas, Vyapar Vikas+), auto loans (two-wheeler and used car), microfinance group lending, and personal loans — along with investment products (Non-Convertible Debentures) and insurance distribution through partnerships with HDFC Life, Care Health Insurance, and ICICI Lombard.

Product overview

Supra Pacific Financial Services is a BSE-listed Non-Banking Financial Company (NBFC) providing a diversified portfolio of financial products and services primarily targeting individuals and SMEs in India. The product portfolio consists of seven core lending and investment offerings: Gold Loan (secured gold-backed loans with fast disbursal and flexible repayment), Business Loans (SMEs including Vyapar Vikas+ and Vyapar Vikas schemes with daily repayment options), Auto Loan (two-wheeler and used car financing), Microfinance (group lending for rural women through Joint Liability Groups), Personal Loan (unsecured short-term loans), Investment Opportunities (NCDs — Non-Convertible Debentures), and Insurance Solutions (life, health, and general insurance distributed through HDFC Life, Care Health Insurance, and ICICI Lombard partnerships). The company also offers digital tools including an EMI Calculator and a Gold Loan Calculator. All products are supported by a network of 80+ branches across 5+ Indian states, with operations founded in 1986.

Differentiator

Problem solved

Functional benefit

Products and services

• Gold Loan Secured loan against pledged gold jewellery with minimal documentation, quick disbursal, daily/weekly/monthly repayment options, online repayment and part-payment, partial gold release, and full insurance of pledged gold against burglary, fire, and transit risks.
• Business Loans (Vyapar Vikas and Vyapar Vikas+) SME loan products with daily repayment collections. Vyapar Vikas: up to ₹1,00,000 for micro-entrepreneurs. Vyapar Vikas+: up to ₹5,00,000 with no advance interest and fast approvals.
• Auto Loan (Two-Wheeler and Used Car) Two-wheeler loans from ₹15,000 to ₹25 Lakhs with tenures up to 48 months (new) and 60 months (used). Used car loans from ₹50,000 to ₹25 Lakhs with flexible tenures of 12 to 60 months and up to 90% funding on select categories.
• Microfinance (Joint Liability Group Lending) Group-based microfinance loans for underserved rural women using Joint Liability Group (JLG) model with 5-20 member groups. First-cycle loan amounts of ₹20,000 / ₹25,000 / ₹30,000 over 52-week tenure with weekly cash repayments at centre meetings, unsecured and minimal documentation.
• Personal Loan Unsecured personal loans from ₹5,000 to ₹2,00,000 with flexible tenures of 6 to 12 months, starting interest rate of 17.99% p.a., zero pre-closure charges, and mandatory insurance integration.
• Investment Opportunities (Non-Convertible Debentures) SEBI- and RBI-regulated Non-Convertible Debentures (NCDs) offered as fixed-income investment instruments with predictable periodic interest payouts, non-convertibility into equity, and asset-backed security. Planned public issue for FY27.
• Insurance Solutions (Life, Health, General) Insurance distribution offering across life, health, and general insurance via partnerships with HDFC Life (e.g., HDFC Life Sanchay Plus), Care Health Insurance (Care Supreme, Care Supreme Enhance, Care Freedom, Care Senior), and ICICI Lombard (motor, home, travel, liability).

Quantifiable outcome

• Asset base grew 64% in FY26 to ₹499 crore
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• HDFC LifecoreOthersLife insurance partnership where Supra Pacific offers HDFC Life insurance products including HDFC Life Sanchay Plus guaranteed savings plan with assured returns, guaranteed maturity payout, and life cover protection.
• Care Health InsurancecoreOthersHealth insurance partnership offering Care Supreme (no sub-limits on major treatments, AYUSH coverage), Care Supreme Enhance (top-up plan), Care Freedom (for diabetes/hypertension), and Care Senior (for 60+ individuals) through Supra Pacific branches.
• ICICI LombardcoreOthersGeneral insurance partnership providing motor insurance (vehicle protection, third-party liability, cashless repairs), home insurance, travel insurance, and liability coverage through ICICI Lombard.
• Catalyst Trusteeship LimitedcoreOthersDebenture Trustee for NCD issuances ensuring investor protection and regulatory compliance for Non-Convertible Debentures issued under SEBI and RBI guidelines.
• Purva Sharegistry (India) Pvt. Ltd.minorOthersRegistrar and share transfer agent handling share registry services, investor grievance management, and compliance with regulatory requirements for shareholder services.

Scale indicators9 records

Recent moves3 records

Direct peers

• Spandana Sphoorty Financial: Indian microfinance-focused NBFC serving rural women via JLG group lending model. Directly comparable to Supra Pacific's microfinance segment, weekly center meeting structure, and unsecured group-lending risk profile.
• CreditAccess Grameen: Listed Indian microfinance NBFC focused exclusively on rural women JLG lending. Comparable to Supra Pacific's microfinance vertical on customer segment, group-lending methodology, and geographic focus on south/west India.
• Manappuram Finance: Indian NBFC with a leading gold loan franchise and diversified lending including microfinance and housing finance. Directly comparable to Supra Pacific on gold loan product, branch-led distribution model, and NBFC business mix.
• Muthoot Finance: India's largest gold loan NBFC with an extensive branch network. Highly comparable to Supra Pacific's gold loan core offering, BSE/NSE listing, and southern India footprint anchored in Kerala.

Broad incumbents

• Bandhan Bank: Indian bank with origins in microfinance and significant branch-led distribution serving eastern and southern India. Comparable to Supra Pacific's microfinance segment, branch-led model, and rural customer base, though operating as a bank rather than NBFC.
• Cholamandalam Investment and Finance: Major Indian NBFC with strong auto finance (two-wheeler and used car) and SME lending franchises. Directly comparable to Supra Pacific's auto loan business and SME Vyapar Vikas offerings.
• Bajaj Finance: India's largest diversified NBFC offering consumer durable loans, personal loans, SME lending, and insurance distribution. A scaled broad incumbent comparable to Supra Pacific's multi-product NBFC positioning, though at vastly larger scale.
• Shriram Finance: Diversified Indian NBFC focused on commercial vehicle finance, two-wheeler loans, and small business lending. Comparable to Supra Pacific's auto loan and SME segments, especially used vehicle and small business customer base.
• IIFL Finance (formerly IIFL Holdings): Diversified Indian NBFC offering gold loans, home loans, and SME/capital market financing. Comparable to Supra Pacific's gold loan product line and multi-product NBFC strategy under a BSE-listed structure.

Emerging players

• Five-Star Business Finance: Listed Indian NBFC focused on small business and SME lending in tier-2/tier-3 markets. Comparable to Supra Pacific's Vyapar Vikas SME lending, relationship-manager-led distribution, and southern India market focus.

Market position

Strengths5 records

Weaknesses5 records

Key risks1 record

Key highlights7 records

Customer concentration

• Xx.com/suprapacific
• YouTubeyoutube.com/@SupraPacific
• Facebookfacebook.com/suprapacific
• LinkedInin.linkedin.com/company/suprapacific
• Instagraminstagram.com/suprapacific/?hl=en

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Supra Pacific