| Scrip code | 543066 |
|---|---|
| NSE Symbol | SBICARD |
| MSEI Symbol | NOTLISTED |
| ISIN | INE018E01016 |
| Name of company | SBI Cards and Payment Services Limited |
| Type of company | Main Board |
| Class of security | Equity |
| Date of start of financial year | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 28-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 20-01-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Third quarter |
| Nature of report standalone or consolidated | Standalone |
| Whether results are audited or unaudited for the quarter ended | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Unaudited |
| Segment Reporting | Single segment |
| Description of single segment | CREDIT CARD BUSINESS |
| Start date and time of board meeting | 28-01-2026 16:30:00 |
| End date and time of board meeting | 28-01-2026 18:35:00 |
| Whether cash flow statement is applicable on company | |
| Type of cash flow statement | |
| Declaration of unmodified opinion or statement on impact of audit qualification | Not applicable |
| Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? | No |
| No. of times funds raised during the quarter | |
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? | No |
| There is no default on loans and debt securities during the quarter and the nine months ended December 31, 2025. | |
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 2,53,638.00 | 7,51,938.00 |
| (ii) | Dividend Income | 0.00 | 0.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 2,36,670.00 | 6,82,326.00 |
| (v) | Net gain on fair value changes | 0.00 | 0.00 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 0.00 | 0.00 |
| (vii) | Sale of products (including Excise Duty) | 0.00 | 0.00 |
| (viii) | Sale of services | 2,052.00 | 6,696.00 |
| (ix) | Other revenue from operations | ||
| 1 | Business development incentive income | 20,169.00 | 55,350.00 |
| 2 | Insurance commission income | 197.00 | 205.00 |
| Total other revenue from operations | 20,366.00 | 55,555.00 | |
| Total Revenue From Operations | 5,12,726.00 | 14,96,515.00 | |
| Other income | 22,616.00 | 55,544.00 | |
| Total income | 5,35,342.00 | 15,52,059.00 | |
| 2 | Expenses | ||
| Cost of materials consumed | 0.00 | 0.00 | |
| Purchases of stock-in-trade | 0.00 | 0.00 | |
| Changes in inventories of finished goods, work-in-progress and stock-in-trade | 0.00 | 0.00 | |
| Employee benefit expense | 18,435.00 | 50,340.00 | |
| Finance costs | 78,507.00 | 2,35,796.00 | |
| Depreciation, depletion and amortisation expense | 3,388.00 | 10,393.00 | |
| Fees and commission expense | 34,665.00 | 80,343.00 | |
| Net loss on fair value changes | 0.00 | 0.00 | |
| Net loss on derecognition of financial instruments under amortised cost category | 0.00 | 0.00 | |
| Impairment on financial instruments | 1,22,216.00 | 3,86,558.00 | |
| (f) | Other expenses | ||
| 1 | Operating and other expenses | 2,03,220.00 | 5,78,902.00 |
| Total other expenses | 2,03,220.00 | 5,78,902.00 | |
| Total expenses | 4,60,431.00 | 13,42,332.00 | |
| 3 | Total profit before exceptional items and tax | 74,911.00 | 2,09,727.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 74,911.00 | 2,09,727.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 19,231.00 | 58,065.00 |
| 9 | Deferred tax | 16.00 | (4,078.00) |
| 10 | Total tax expenses | 19,247.00 | 53,987.00 |
| 11 | Net Profit Loss for the period from continuing operations | 55,664.00 | 1,55,740.00 |
| 12 | Profit (loss) from discontinued operations before tax | 0.00 | 0.00 |
| 13 | Tax expense of discontinued operations | 0.00 | 0.00 |
| 17 | Net profit (loss) from discontinued operation after tax | 0.00 | 0.00 |
| 14 | Share of profit (loss) of associates and joint ventures accounted for using equity method | 0.00 | 0.00 |
| 15 | Total profit (loss) for period | 55,664.00 | 1,55,740.00 |
| 16 | Other comprehensive income net of taxes | 159.00 | 97.00 |
| 17 | Total Comprehensive Income for the period | 55,823.00 | 1,55,837.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | |||
| Total profit or loss, attributable to non-controlling interests | |||
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | |||
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | |||
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 95,158.00 | 95,158.00 | |
| Face value of equity share capital | 10 | 10 | |
| 21 | Reserves excluding revaluation reserve | ||
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 5.85 | 16.37 | |
| Diluted earnings per share from continuing operations | 5.85 | 16.36 | |
| ii | Earnings per equity share for discontinued operations | ||
| Basic earnings per share from discontinued operations | 0 | 0 | |
| Diluted earnings per share from discontinued operations | 0 | 0 | |
| ii | Earnings per equity share | ||
| Basic earnings per share | 5.85 | 16.37 | |
| Diluted earnings per share | 5.85 | 16.36 | |
| 23 | Debt equity ratio | 3.00 | 3.00 |
| 24 | Debt service coverage ratio | 0.0 | 0.0 |
| 25 | Interest service coverage ratio | 0.0 | 0.0 |
| 26 | Disclosure of notes on financial results | Textual Information(1) | |
| 23 | Debt equity ratio | |
|---|---|---|
| 24 | Debt service coverage ratio | |
| 25 | Interest service coverage ratio |
| Textual Information(1) | 1. SBI Cards and Payment Services Limited (the 'Company') is a Non-Banking Financial Company registered with the Reserve Bank of India (the 'RBI'). The RBI, under the Scale Based Regulations has categorised the Company as Middle Layer (NBFC-ML) vide its circular dated November 28, 2025. 2. The above unaudited financial results of the Company have been prepared in accordance with the Indian Accounting Standards (‘Ind AS’) prescribed under section 133 of the Companies Act, 2013 read with the Companies (Indian Accounting Standards) Rules, 2015, the other relevant provisions of the Companies Act, 2013, and the Master Directions/ Guidelines/Circulars issued by Reserve Bank of India (RBI) as applicable and relevant to Non-Banking Financial Companies, as amended from time to time. The Company has consistently applied its material accounting policies in the preparation of its financial results for the quarter and nine months ended December 31, 2025. 3. The above financial results have been reviewed by the Audit Committee and approved by the Board of Directors at their respective meetings held on January 28, 2026 and have been subjected to Limited Review by the joint statutory auditors of the Company in terms of Regulation 33 and Regulation 52 read with Regulation 63 (2) of the Securities Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (SEBI Regulations), as amended including relevant circulars issued by SEBI from time to time. These financial results are available on the BSE Limited’s website (www.bseindia.com), the National Stock Exchange of India Limited’s website (www.nseindia.com) and on the Company's website (www.sbicard.com). 4. Management has exercised necessary due diligence to ensure that the said results provide a true and fair view of its affairs. Note: Since this notes tab does not provides provision for data in tabular format, therefore, for Information Pursuant to the Regulation 52(4) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, and the remaining notes, please refer the results in PDF format filed by the Company. |
|---|
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| Whether results are audited or unaudited | Unaudited | Unaudited | |
| Nature of report standalone or consolidated | Standalone | Standalone | |
| 1 | Segment Revenue (Income) | ||
| (net sale/income from each segment should be disclosed) | |||
| Total Segment Revenue | |||
| Less: Inter segment revenue | |||
| Revenue from operations | |||
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| Total Profit before tax | |||
| i. Finance cost | |||
| ii. Other Unallocable Expenditure net off Unallocable income | |||
| Profit before tax | |||
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| Total Segment Asset | |||
| Un-allocable Assets | |||
| Net Segment Asset | |||
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| Total Segment Liabilities | |||
| Un-allocable Liabilities | |||
| Net Segment Liabilities | |||
| Disclosure of notes on segments | |||
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Standalone | Standalone |
| Other comprehensive income [Abstract] | |||
| 1 | Amount of items that will not be reclassified to profit and loss | ||
| 1 | Remeasurements of the defined benefit liabilities / (asset) | 21100000 | 13000000 |
| Total Amount of items that will not be reclassified to profit and loss | 21100000 | 13000000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 52.00 | 33.00 |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| Total Amount of items that will be reclassified to profit and loss | |||
| 4 | Income tax relating to items that will be reclassified to profit or loss | 0.00 | 0.00 |
| 5 | Total Other comprehensive income | 159.00 | 97.00 |