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Spandana Sphoorty
Micro finance firm head-quartered at hyderabad, india
About Spandana Sphoorty
Spandana Sphoorty Financial Limited is a non-banking financial company and a microfinance institution (NBFC-MFI) that operates in India. The company's primary business is providing small-ticket unsecured loans to low-income households in rural and semi-urban areas.
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The company's business model is based on the joint liability group (JLG) model, where a small group of women stand as guarantors for each other's loans. This model helps to reduce the risk of default and makes it possible for the company to lend to people who would not otherwise have access to credit.
Spandana Sphoorty offers a variety of loan products, including income-generating loans, loans for education, and loans for healthcare. The company also provides other financial services, such as insurance and savings products.
The company's target market is low-income households in rural and semi-urban areas of India. The company has a strong presence in the states of Andhra Pradesh, Telangana, and Karnataka.
At a glance
- Status
- Operational
- Founded
- 1997
- Headquarters
- Hyderabad, India
- Listing
- IPO 2019
- Employees
- 4,800
- Open positions
- None listed
- Dealroom signal
- 80.0/100
- Industry
- Fintech
- Sub-industry
- Mortgages & Lending
- Sector
- Fintech, Microfinance, Consumer Lending, financial inclusion
- Client focus
- b2c
- Investment activity
- 1 company, latest Jul 2026
- Capital deployed
- —
- Preferred round
- ACQUISITION
Latest news
Press, funding announcements and product moves mentioning Spandana Sphoorty.
Funding history
Company financing events and reported valuations.
| Deal type | Date | Amount | Valuation | Investors | Source |
|---|---|---|---|---|---|
| POST IPO DEBTDebt | Apr 2026 | $51M | — | Undisclosed | ↗ |
| POST IPO DEBTDebt | Dec 2025 | $47M | — | Undisclosed | ↗ |
Financials
Revenue, earnings and other financial measures where available. Years marked “E” are estimates.
| Year | Revenue | Growth | EBITDA | Margin |
|---|---|---|---|---|
| 2026 | $131M | -56% | $51M | 38.6% |
| 2025 | $298M | -2% | $302M | 101.4% |
| 2024 | $304M | +79.9% | $105M | 34.6% |
| 2023 | $169M | -6.2% | $108M | 63.8% |
| 2022 | $180M | -6.2% | $70M | 39% |
| 2021 | $192M | +13% | $119M | 61.8% |
| 2020 | $170M | — | $123M | 72% |
Growth signals
Latest recorded traffic for Spandana Sphoorty is 27K monthly website visits, up 42.1% over the last three months. Spandana Sphoorty's team grew 2.6% over the past year.
Similar companies
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Investments and acquisitions
Recent portfolio relationships for companies that also act as investors or acquirers.
Investors
From Dealroom's funding and investor records, grouped by the round each investor first entered.
Series B and later7 investors entered at this stage
IndusInd Bank- BIBirla Sun Life Insurance
Kedaara Capital
Valiant Communications
Kotak Mahindra Life Insurance
Max Life insurance
Siguler Guff & Company
Other known investors3 additional known investors
Bank of Baroda
ICICI Bank
Yes Bank
Source: Dealroom Talent Intelligence.
Global footprint
team presence
Market sentiment
An AI-synthesised read of the highest-engagement posts about Spandana Sphoorty on X, ranked by likes and reposts, corporate channels excluded.
Reading the room on X — pulling top posts and synthesizing themes…
Source: X recent search ranked by engagement (likes + retweets) · Synthesis by Claude · Cached for 1 hour
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