Spandana Sphoorty Financial Ltd is one of India’s leading microfinance institutions (MFIs), primarily serving rural and semi-urban households with small-ticket loans. With a strong focus on empowering women entrepreneurs and low-income families, the company plays a vital role in financial inclusion. Over the years, Spandana has gained trust among investors due to its robust operations, wide rural reach, and consistent growth in the microfinance sector.

In this article, we’ll explore Spandana Sphoorty Financial Ltd’s current performance, business fundamentals, and its projected share price targets from 2025 to 2030.

Spandana Sphoorty Financial Ltd Share Price Today (As of September 22, 2025)

About Spandana Sphoorty Financial Ltd

Founded in 1997, Spandana Sphoorty Financial Ltd is a Hyderabad-based microfinance company. It offers income-generating loans to women, group loans, and emergency loans that help rural households improve their livelihoods. The company is well-regarded for its extensive grassroots presence and strong repayment collection model.

Key Highlights:

• One of the largest microfinance companies in India.

• Focused on financial inclusion in rural and semi-urban regions.

• Strong book value per share at ₹354.17.

• Consistent borrower base and healthy loan portfolio.

• Recovery-driven strategy to maintain NPAs at manageable levels.

Spandana Sphoorty Financial Ltd Shareholding Pattern (September 2025)

The shareholding shows strong promoter control along with significant FII participation, indicating foreign investors’ confidence in the company.

Spandana Sphoorty Financial Ltd Share Price Target 2025 to 2030

Year-Wise Analysis & Investment Advice

✅ Spandana Sphoorty Financial Ltd Share Price Target 2025: ₹275 – ₹310

In 2025, Spandana’s stock is expected to remain steady as the company expands its microfinance portfolio.

Why?

• Strong recovery from rural borrowers.

• Positive momentum from government support for microfinance.

• Stable book value and promoter confidence.

Investment Advice: Suitable for staggered buying for long-term investors.

✅ Spandana Sphoorty Financial Ltd Share Price Target 2026: ₹320 – ₹365

By 2026, the company could see improved margins driven by higher disbursements.

Why?

• Increasing demand for microloans in rural areas.

• Rising financial literacy boosting borrower base.

• Enhanced institutional funding.

Investment Advice: Hold for long-term gains; monitor quarterly loan recovery rates.

✅ Spandana Sphoorty Financial Ltd Share Price Target 2027: ₹370 – ₹420

In 2027, Spandana is likely to benefit from wider financial inclusion schemes.

Why?

• Growth in semi-urban loan portfolio.

• Higher disbursements during festive seasons.

• Rising foreign institutional participation.

Investment Advice: Continue SIPs; ideal for wealth creation.

✅ Spandana Sphoorty Financial Ltd Share Price Target 2028: ₹430 – ₹490

By 2028, Spandana could see strong growth momentum.

Why?

• Technology adoption for loan processing.

• Reduced operational costs.

• Growing trust in rural financing.

Investment Advice: A good stock for portfolio diversification.

✅ Spandana Sphoorty Financial Ltd Share Price Target 2029: ₹500 – ₹575

The company may achieve significant scale in rural financing by 2029.

Why?

• Government-led financial inclusion policies.

• Increasing repayment discipline.

• More institutional capital inflows.

Investment Advice: Long-term investors can hold for steady returns.

✅ Spandana Sphoorty Financial Ltd Share Price Target 2030: ₹590 – ₹670

By 2030, Spandana could position itself among the top NBFC-MFIs in India.

Why?

• Consistent expansion in rural and semi-urban India.

• Strong financial performance supported by policy backing.

• Potential increase in foreign institutional stake.

Investment Advice: Excellent option for long-term investors with moderate risk appetite.

Should You Invest in Spandana Sphoorty Financial Ltd for the Long Term?

Yes. Spandana Sphoorty Financial Ltd has strong fundamentals, robust promoter confidence, and a proven track record in the microfinance space. Its focus on rural empowerment ensures consistent demand for its services.

Key Reasons to Invest:

• Strong presence in rural financing.

• Healthy promoter and FII holding.

• Consistent loan disbursement and repayment performance.

• Book value of ₹354.17 supports valuations.

⚠️ Risks to Watch Out For:

• Dependence on rural borrower repayment cycles.

• Vulnerability to monsoon-driven income fluctuations.

• Regulatory risks in microfinance.

Conclusion

Spandana Sphoorty Financial Ltd is a well-established name in the microfinance industry with consistent growth potential. With a market cap of ₹2,111 Cr, a book value per share of ₹354.17, and strong institutional support, the company shows promise for long-term investors.

Currently, the stock trades around ₹264, and analysts expect it could reach ₹670 by 2030. For those looking to invest in financial inclusion and long-term growth opportunities, Spandana Sphoorty Financial Ltd remains a compelling choice.

Frequently Asked Questions (FAQs) about Spandana Sphoorty Financial Ltd

1. What is the current share price of Spandana Sphoorty Financial Ltd?
As of September 22, 2025, the stock trades around ₹264.

2. What is the 52-week high and low of the stock?
The 52-week high is ₹614.95, while the low is ₹193.00.

3. What is the all-time high of Spandana Sphoorty Financial Ltd?
The all-time high stands at ₹1,397.00.

4. What is the promoter holding in the company?
Promoters hold 48.16% of the company.

5. What is the book value per share of Spandana Sphoorty?
It is ₹354.17 per share.

6. Is Spandana Sphoorty a good long-term investment?
Yes, it has strong fundamentals and consistent growth in microfinance.

7. What is the expected share price target for 2025?
The target range is ₹275 – ₹310.

8. Does Spandana Sphoorty have foreign institutional investors?
Yes, FIIs hold 20.26% of the company.

9. What is the market capitalization of Spandana Sphoorty?
The market cap is approximately ₹2,111 Cr.

10. Should I invest in Spandana Sphoorty for 2030 targets?
Yes, it can be a strong addition to a long-term portfolio aiming for sustainable financial sector growth.