NaBFID Targets ₹5 Lakh Cr Loan Book By FY30, 8 Points

🚀 35% Roads, 50% Greenfield: Inside National Bank for Financing Infrastructure and Development (NaBFID) Infra Loan Book

1️⃣ Rapid Growth Path

• Current Assets (FY25): ₹80,000 crore

  • Loan book: ₹65,000 crore

  • Rest via NCDs

• Target FY26: ₹1.15 lakh crore balance sheet

• Long-Term Goal: ₹5 lakh crore loan book by FY30

2️⃣ Strong Sanction Pipeline

• Cumulative Sanctions (FY25): ₹2.5 lakh crore

• Expected by FY26: ₹3.2 lakh crore

• Disbursement (next 6–7 months): ₹50,000–₹60,000 crore

• Top Syndicators: Among top 2 in India (alongside SBI)

3️⃣ Financial Performance

• Profit FY25: ₹2,100 crore

• Projected Profit FY26: ₹2,500–₹3,000 crore

• Balance Sheet Growth: Doubling every year post-2026 due to strong infra pipeline

4️⃣ Portfolio Mix

• Roads: ~35% of portfolio (largest exposure)

• Energy (thermal & renewable): Significant share

• New Focus Areas:

  • Healthcare (hospitals)

  • Data centers

  • Urban infrastructure (waste-to-energy, sewage, mobility)

5️⃣ New Business Initiatives

• Partial Credit Enhancement (PCE): Relaunched with regulatory collaboration

• Transaction Advisory: Helping states convert ideas into bankable projects

• Greenfield Projects: 50% of loan book, long-term exposure

6️⃣ Financing & Costs

• Domestic Borrowing: Sub-7% interest (cheaper than overseas)

• Domestic Bonds (10-year): 7.1%–7.2%

• Dollar Borrowings: 7.3%–7.5% (less attractive currently)

• Cost of Funds: G-Sec + 25–30 bps

• Partnerships: Talks with 2 multilateral institutions for blended finance & credit backstop

7️⃣ Project Finance Norms (Effective Oct 1, 2025)

• Provision During Construction: 1% (slightly higher cost)

• Operational Stage Provision: Drops to 0.40% → lower rates

• Impact: Transparent, predictable financing framework

8️⃣ Market Position & Strategy

• First-choice lender for large infra projects (toll roads, renewable energy, data centers)

• Risk Management: Walks away from overly aggressive bids in renewables

• No IPO Plans: Focus on being a developmental institution, not return-driven

• Future Option: Spin-off advisory/tech arms separately

📊 NaBFID Growth Snapshot

⚠️ Disclaimer – The Profit India

This article is for information purposes only. The Profit India does not provide financial, investment, or legal advice. Readers should consult professional advisors before making financial decisions or investments based on the information provided.