Strategic Finance & Investments

What Strategic Finance & Investments does

Strategic Finance & Investments, operating under the legal name SFIL Finance PLC., is a Bangladesh Bank-licensed non-bank financial institution (NBFI) headquartered in Gulshan-2, Dhaka. Founded in 2020, the company offers a multi-product financial services portfolio spanning retail banking (savings and deposits, home loans, car loans, personal loans), corporate banking, and SME banking, alongside Shariah-compliant products distributed through its SFIL Islamic sub-brand and capital markets services via its SFIL Securities Limited subsidiary. Loan tenors range from 12 to 48 months, with pricing published through an online rate chart.

The business generates revenue primarily through interest income on its loan book, classified as a recurring subscription-style revenue stream in the source data. Distribution is hybrid: physical branches (Corporate Head Office and a Principal Branch relocated in March 2024 to Rangs RL Square) combined with digital self-service via the SFIL Connect internet banking platform. The company also acts as a distribution partner for Bangladesh Government Investment Sukuk, providing a fee-based channel adjacent to core lending.

SFIL is owned by a consortium of institutional investors, with 98% institutional shareholding and approximately 50% held by Canadian and US institutional investors, with the remainder held by Bangladesh-based institutions. The company self-positions as 'Bond of Transparency' and was recognized in November 2024 as having the lowest Non-Performing Loan ratio among NBFIs in Bangladesh. Headcount is reported in the 1,001–5,000 range. No revenue figures are publicly disclosed in the source material, and there is no evidence of proprietary technology, AI/ML capabilities, or external funding rounds — the capital base appears to be sponsor equity rather than venture funding.

Name

Strategic Finance & Investments

Legal name

SFIL Finance PLC.

Website

https://sfilbd.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

SFIL Finance PLC. is a Bangladesh Bank-licensed multi-product NBFI in Dhaka offering retail, corporate, and SME banking — including home, auto, and personal loans — alongside Shariah-compliant and securities services, owned primarily by Canadian, US, and Bangladeshi institutional investors.

Ownership category

akta.pro rank

Product category

Non-Bank Financial Institution (NBFI) Lending and Deposit Services

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industries

Islamic SME & Commercial Banking (FSABAGAB), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

Keywords

• Retail lending services
• Deposit and savings products
• Home loan financing
• Corporate and SME banking
• Non-bank financial institution

Headquarters

HQ city

Dhaka

HQ country

Bangladesh

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: SFIL Finance PLC generates revenue primarily through interest income from its loan products including home loans, car loans, and personal loans offered to retail and corporate customers.

Pricing tiers

Distribution channels3 records

Marketing channels3 records

Core offering

SFIL Finance PLC. is a Bangladesh Bank licensed multi-product non-bank financial institution offering retail savings and deposit products, home loans, car/auto loans, and personal loans, alongside corporate and SME lending services. Revenue is primarily generated through interest income from these loan products. The institution also operates SFIL Islamic for Shariah-compliant banking and SFIL Securities Limited for stock brokerage services.

Product overview

SFIL Finance PLC is a Bangladesh Bank licensed multi-product financial institution offering a unified portfolio of retail and corporate banking products. The core offerings include Savings & Deposits, Home Loans, Car/Auto Loans, and Personal Loans for retail customers, alongside Corporate Services and SME Services for business clients. The company also operates SFIL Islamic (Islamic banking sub-brand) and SFIL Securities Limited (stock brokerage subsidiary). The company is jointly owned by institutional investors from US, Canada, and Bangladesh, with 98% institutional shareholding including 50% from Canada and USA.

Differentiator

Problem solved

Functional benefit

Brands

• SFIL Islamic: Islamic financial services offered under Shariah-compliant banking principles
• SFIL Securities Limited

Products and services

• Savings & Deposits Savings and deposit account services offered to retail customers for secure money storage and interest-earning deposits under various deposit schemes.
• Home Loan

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Bangladesh BankcoreOthersBangladesh Bank is the central bank and regulatory authority that licenses SFIL as a full-service multi-product financial institution. This regulatory partnership enables SFIL to operate as a licensed NBFI in Bangladesh.
• SFIL Securities LimitedminorChannel Partner/ Reseller/ DistributorSFIL Securities Limited is a related entity providing securities and investment services, operating under the same corporate umbrella.
• Bangladesh Government Investment SukukminorOthersSFIL invites prospective investors for Bangladesh Government Investment Sukuk products, serving as a distribution partner for government investment instruments.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• IIDFC (Industrial and Infrastructure Development Finance Company): Bangladesh NBFI focused on industrial, infrastructure, and SME lending. Comparable as a multi-product non-bank financial institution serving corporate and SME clients domestically.
• Delta Brac Housing Finance Corporation (DBH): Leading Bangladeshi housing-focused NBFI. Comparable as a deposit-taking financial institution offering home loans and adjacent consumer products, competing with SFIL's Home Loan vertical.
• LankaBangla Finance: Bangladesh-based NBFI providing retail, corporate, and SME financing plus deposits and securities services. Direct competitor operating in the same multi-product NBFI space with overlapping customer segments.
• IDLC Finance Limited: Largest listed NBFI in Bangladesh offering corporate, SME, and retail loans along with deposits and securities. Closest direct competitor among Bangladeshi NBFIs given comparable multi-product model and deposit-taking license.
• United Finance Limited: Bangladesh NBFI providing SME, corporate, and consumer loans along with deposit products. Comparable in product breadth and target customer mix within the local NBFI sector.

Regional players

• Islami Bank Bangladesh: Bangladesh's largest Islamic bank. Directly competes with SFIL Islamic on Shariah-compliant retail and corporate banking products within the same domestic market.
• BRAC Bank: Bangladesh-based commercial bank with strong SME, retail, and corporate banking franchises. Comparable channels and target segments, though operates as a bank rather than NBFI and competes for the same Bangladesh customer base.

Broad incumbents

• HDFC Ltd (now HDFC Bank post-merger): India's largest housing finance company with adjacent lending products. Comparable as a deposit-taking, home-loan-led financial institution with retail and corporate lending.
• Bajaj Finance: Large Indian diversified NBFI offering consumer, SME, and commercial lending along with deposits. Comparable as a multi-product NBFI leader, though operating in a far more developed market.
• Cholamandalam Investment and Finance: Indian NBFI with vehicle finance, home loans, SME lending, and deposits. Comparable on multi-product lending and deposit franchise, though at significantly larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/SFILBD
• LinkedInlinkedin.com/company/strategic-finance-investments-limited

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 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 Strategic Finance & Investments