Sundaram Finance Limited · NSE:SUNDARMFIN
Sundaram Finance — Q1 FY2027 Earnings Presentation
46 slides from Sundaram Finance's earnings presentation, Aug 3, 2026
Slide 1: Performance Highlights Q1FY27
PERFORMANCE HIGHLIGHTS Q1FY27
Slide 2: Contents
CONTENTS 01 02 03 04 05 Overview of Financial results & Key trends in financial Consolidated results More about Sundaram Finance performance performance Sundaram Finance 2
Slide 3: Overview of Sundaram Finance
01 Overview of Sundaram Finance 3
Slide 4: Our Vision, Mission and Philosophy
OUR VISION, MISSION AND PHILOSOPHY Service Pru y de pla n ce ir Fa Hone sty Vision P G Mission Integrity To be the most respected NBFC To deliver the “Sundaram Humi in the country experience” to all our customers, Q big and small, in keeping with the lity ethos of the company Op ne li en ne ss ip D
Slide 5: The Sundaram Way
THE SUNDARAM WAY Service Fair play Humility To be of service even when To stand for fair play when the To realise that humility is the time is against you odds are stacked against you greatest virtue Discipline Honesty Openness To know that discipline is To believe that honesty is the To be open to
Slide 6: The SF Group
THE SF GROUP AUM (₹ in Cr.) Branches Staff * Customer count 62,275 790 8,000 6,67,286 10,286 138 1,879 40,58,735 Joint Venture with Ageas Insurance International NV 20,326 195 2,156 68,931 100% subsidiary 90,089 85 658 14,96,406 100% subsidiary Group 1,82,976 1,208 12,693 62,91,358 * Includes off ro
Slide 7: Strategic Sources of Distinctiveness
STRATEGIC SOURCES OF DISTINCTIVENESS 72-year heritage of trust Pioneer of hire-purchase Diversified financial services group Lending business focused on and prudence finance in India across lending, general insurance, the underserved but home finance and asset aspiring Indian management with total A
Slide 8: Product Offerings
PRODUCT OFFERINGS Asset Finance Commercial lending Working capital finance Distribution • Cars • Leasing • Diesel • Fixed Deposits • Commercial vehicles • NBFC • Insurance • General insurance • Construction equipment • SME • Tyre • Home loans • Tractors and farm equipment • Supply chain financing •
Slide 9: Performance Over Last Twenty Years: Receivables Under Management
SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS ₹ in Crore Receivables Under Management 70,137 60,290 51,385 39,950 35,736 33,447 35,088 33,774 28,648 24,036 20,699 17,645 18,158 18,734 15,540 12,354 7,327 8,925 9,204 10,219 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16
Slide 10: Performance Over Last Twenty Years: PAT
SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS ₹ in Crore PAT 1,834 1,543 1,454 120 1,126 1,088 903 522 809 724 53 454 563 477 495 410 443 355 26 41 295 809 213 227 671 151 39 100 77 26 256 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-2
Slide 11: Performance Over Last Twenty Years: Dividend
SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS ₹ in Crore Dividend 444.4 388.9 333.3 300.0 222.2 194.4 200.0 133.3 144.4 116.7 122.2 127.8 100.0 111.1 77.8 86.1 55.6 41.7 36.1 29.2 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22
Slide 12: Performance Over Last Twenty Years: Market Capitalization
SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS ₹ in Crore Market Capitalization 50,824 48,614 45,983 28,560 25,548 21,560 16,859 17,940 18,634 17,318 14,450 13,366 7,359 5,265 2,722 3,645 1,099 1,602 917 2,096 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18
Slide 13: Performance Over Last Twenty Years: Core Return on Equity
SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS Core Return on Equity %* 28.3 26.8 23.5 19.5 19.9 19.3 18.8 18.5 19.0 18.4 18.0 18.0 18.2 17.0 16.5 16.5 16.3 15.5 15.3 12.6 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Ma
Slide 14: Financial Results & Performance
02 Financial results & performance 14
Slide 15: Overall Highlights of Financial Performance
OVERALL HIGHLIGHTS OF FINANCIAL PERFORMANCE As of 30th June 2026 AUM Gross Stage 3 Cost-to-income ROA ROE ₹62,275 Crores 1.71% 30.70% 3.06% 17.7%* 16.9% up 1.91% 29.84% 2.91% 16.7% from Jun 25 in Jun 25 in Q1FY26 in Q1FY26 in Q1FY26 *Core ROE (excluding investments in subsidiaries) at 18.2% vs. 15.3
Slide 16: Highlights – Growth of 17% in Assets Under Management
HIGHLIGHTS – GROWTH OF 17% IN ASSETS UNDER MANAGEMENT Auto sector volumes were materially stronger in Q1FY27. SIAM reported highest-ever first-quarter sales across key vehicle categories. In regions we operate, MHICV sales grew 16% driven more by ICVs, which grew 29% Y-o-Y; LSCV grew 23% Y-o-Y while
Slide 17: Highlights – Asset Quality Continues to Remain Industry Best
HIGHLIGHTS – ASSET QUALITY CONTINUES TO REMAIN INDUSTRY BEST At the beginning of the year, the risk of an escalation in the West Asia conflict cast uncertainty over business prospects and raised concerns regarding asset quality. However, lower than expected fuel price transmission kept inflationary
Slide 18: Highlights – Profitability Improved Consistently
HIGHLIGHTS – PROFITABILITY IMPROVED CONSISTENTLY Profits after tax grew 22% in Q1FY27 compared to last year due to growth of AUM, meticulous management of our cost of borrowing consistent with our “AAA” rating and improvement in asset quality. We are ensuring prudent focus on asset class mix as well
Slide 19: Profit & Loss Statement
PROFIT & LOSS STATEMENT ₹ in Crore FY26 Particulars Q1FY26 Q1FY27 Q4FY26 7,254 Revenue From Operations* 1,729 1,963 1,883 293 Dividend Income 124 81 155 52 Other Income 3 10 28 7,599 Total Revenue 1,856 2,054 2,066 3,668 Finance cost 894 972 933 1,030 Operating expenses 245 294 275 458 Impairment 15
Slide 20: Balance Sheet
BALANCE SHEET ₹ in Crore 31-Mar-26 Particulars 30-Jun-25 30-Jun-26 Equity and Liabilities 55,246 Financial Liabilities 49,410 57,303 264 Non-Financial Liabilities 335 385 12,715 Equity 12,413 13,596 68,225 Total – Equity and Liabilities 62,158 71,284 Assets 67,338 Financial Assets 61,257 70,372 887
Slide 21: Key Trends in Financial Performance
03 Key trends in financial performance 21
Slide 22: Financial Summary
FINANCIAL SUMMARY ₹ in Crore Receivables Market Year Paid-up Capital Networth Disbursements PAT Dividend % Under Management Capitalisation Mar-16 111 3,313 11,444 20,699 477 110 14,450 Mar-17 111 3,746 13,218 24,036 *495 115 17,940 Mar-18 111 4,134 15,712 28,648 563 120 18,634 Mar-19 111 5,044 17,17
Slide 23: Disbursements and AUM
DISBURSEMENTS AND AUM ₹ in Crore Disbursements AUM 62,275 32,321 59,908 28,405 51,476 53,278 26,163 43,987 20,966 34,552 29,532 13,275 8,947 7,310 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 Growth 13.1% 57.9% 24.8% 8.6% 13.8% 5.8% 22.4% Growth -
Slide 24: Disbursements
DISBURSEMENTS Jun-25 Jun-26 MHCV 11.3% Retail CV 25.1% 21.5% 21.1% 7.2% Cars 11.0% ₹ 7,310 Cr. 6.8% ₹ 8,947 Cr. Construction Equipment Asset wise 18.0% 10.9% Tractors 21.8% 23.6% 21.7% Commercial Lending & Others Used Assets – 22.7% Used Assets – 22.8% South 4.7% 11.3% 21.5% North 4.0% 41.5% 10.3% ₹
Slide 25: AUM
AUM Jun-25 Jun-26 MHCV 12.5% 15.4% Retail CV 24.7% 23.7% 6.9% Cars 6.8% 10.8% ₹ 53,278 Cr. ₹ 62,275 Cr. Construction Equipment 10.6% Asset wise 19.1% Tractors 20.7% 24.4% 24.4% Commercial Lending & Others Used Assets – 18.4% Used Assets – 17.7% 12.5% South 4.2% 15.4% 4.1% North 11.4% 45.7% 44.5% ₹ 5
Slide 26: Branch Network
BRANCH NETWORK Jun-25 Jun-26 14 46 25 42 88 81 379 357 222 252 No. of Branches: 716 No. of Staff: 7,400 No. of Branches: 790 No. of Staff: 8,000 South North West East Commercial Lending 26
Slide 27: Portfolio Quality
PORTFOLIO QUALITY Gross Stage 3% Net Stage 3% 2.19% 1.91% 1.66% 1.71% 1.44% 1.44% 1.26% 1.07% 1.08% 0.86% 0.88% 0.75% 0.69% 0.63% Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 27
Slide 28: Funding Mix
FUNDING MIX ₹ 28,297 Cr. ₹ 32,915 Cr. ₹ 40,941 Cr. ₹ 47,362 Cr. ₹ 54,643 Cr. ₹ 48,809 Cr. ₹ 56,737 Cr. 6.8% 4.7% 9.6% 6.6% 10.1% 15.1% 12.6% 14.8% 14.2% 11.9% 13.5% 13.3% 11.4% 11.0% 11.4% 11.5% 13.5% 13.6% 11.6% 13.8% 19.9% 25.9% 35.8% 32.3% 30.7% 26.5% 33.1% 54.0% 41.1% 35.7% 35.7% 33.8% 30.2% 34.
Slide 29: PAT & ROA
PAT & ROA ₹ in Crore Profit after Tax Return on Assets - % 1,834 3.2 1,543 3.0 3.1 1,454 2.8 2.9 2.9 120 2.5 1,088 903 671 522 429 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 EPS 81.3 98.0 130.9 138.9 165.1 38.6 47.0 (₹) Exceptional Item 29
Slide 30: Net Worth
NET WORTH ₹ in Crore Net worth 13,596 12,715 12,413 11,139 9,472 7,737 6,893 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 Book Value (₹) 620.4 696.4 852.5 1,002.6 1,144.5 1,117.3 1,223.7 30
Slide 31: Leverage and Capital Adequacy
LEVERAGE AND CAPITAL ADEQUACY Leverage Capital adequacy 24.4% 4.3 4.3 4.3 22.8% 4.2 4.2 4.0 20.5% 20.4% 20.0% 3.9 19.1% 18.5% Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 31
Slide 32: Consolidated Results
04 Consolidated results 32
Slide 33: Consolidated Results
CONSOLIDATED RESULTS ₹ in Crore Profit after Tax Net Worth 15,948 2,059 14,894 14,563 1,879 13,197 1,436 11,078 1,328 9,920 1,173 8,795 636 475 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 Book EPS (₹) 106.5 120.5 130.3 170.6 186.8 43.1 57.7 Value
Slide 34: Consolidated Results
CONSOLIDATED RESULTS ₹ in Crore Particulars Share of Net Worth Share in Profit 30-Jun-25 30-Jun-26 Q1FY26 Q1FY27 Sundaram Finance Ltd. 12,413 13,596 429 522 Subsidiaries: Sundaram Home Finance Ltd. 2,126 2,393 62 85 Sundaram Asset Management Company Ltd. (Consolidated) 490 483 45 51 Other Subsidiari
Slide 35: Sundaram Home Finance
SUNDARAM HOME FINANCE FY26 Particulars Q1FY27 Q4FY26 Q1FY26 6,805 Disbursements (₹ in Crore) 1,643 1,894 1,488 46.7% Housing 49.3% 45.1% 48.8% 53.3% Non-Housing 50.7% 54.9% 51.2% 19,909 AUM (₹ in Crore) 20,326 19,909 18,028 55.0% Housing 54.6% 55.0% 57.9% 45.0% Non-Housing 45.4% 45.0% 42.1% 281.9 PA
Slide 36: Royal Sundaram
ROYAL SUNDARAM FY26 Particulars Q1FY27 Q4FY26 Q1FY26 4,638 Gross Written Premium (₹ in Crore) 1,380 1,254 1,289 9,724 AUM (₹ in Crore) 10,286 9,724 9,633 107 PAT (₹ in Crore) 135 (53) 127 (160) Other Comprehensive Income (Net of Taxes) 80 (102) 20 (53) Total Comprehensive Income 215 (155) 147 1,772
Slide 37: Sundaram Asset Management
SUNDARAM ASSET MANAGEMENT FY26 Particulars Q1FY27 Q4FY26 Q1FY26 77,457 AUM (₹ in Crores) 90,089 77,457 80,501 62,067 Equity (₹ in Crores) 71,837 62,067 65,308 15,390 Debt (₹ in Crores) 18,252 15,390 15,193 174 PAT (₹ in Crores) 51 47 45 505 Net worth (₹ in Crores) 483 505 490 622 Staffs 658 622 599
Slide 38: More about Sundaram Finance
05 More about Sundaram Finance 38
Slide 39: Shareholding Pattern
SHAREHOLDING PATTERN 30-Jun-25 30-Jun-26 Top institutional shareholders As of 30th June 2026 Name of Shareholder Share % Nalanda India Equity Fund Limited 3.62 32.4% Bright Star Investments Private Limited 2.37 32.6% 37.2% 37.2% SBI Mutual Fund 1.27 Nippon Life India Trustee Limited 1.16 United Indi
Slide 40: Credit Ratings
CREDIT RATINGS Instrument ICRA CRISIL Deposits AAA (Stable) AAA (Stable) Debentures AAA (Stable) AAA (Stable) Subordinated Debentures AAA (Stable) AAA (Stable) Long Term Loans AAA (Stable) AAA (Stable) Working Capital Facilities AAA (Stable) Commercial Paper A1+ A1+ Short Term Loans A1+ 40
Slide 41: Share Price Movement
Jun-21 Sep-21 Dec-21 Mar-22 SHARE PRICE MOVEMENT Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 SFL Closing Share Price Dec-23 Mar-24 Indexed share price and Nifty from June 2021 Jun-24 Sep-24 S & P CNX Nifty Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 151.80 168.50 41
Slide 42: Subsidiaries & Joint Ventures
SUBSIDIARIES & JOINT VENTURES Subsidiaries Joint Venture • Sundaram Home Finance Limited • Royal Sundaram General Insurance Co. Limited • Sundaram Asset Management Company Limited • Sundaram Asset Management Singapore Pte. Limited • Sundaram Trustee Company Limited • Sundaram Alternate Assets Limite
Slide 43: Board of Directors
BOARD OF DIRECTORS Sri S. Viji Sri T. T. Srinivasaraghavan Sri Srivats Ram Chairman Non-executive Director Non-executive Director Has over 5 decades of experience in Banking, Finance, Has over 4 decades of experience in Banking and Financial Has 3 decades of rich experience in auto component Insuran
Slide 44: Board of Directors
BOARD OF DIRECTORS Dr. Kshama Fernandes Sri R. Venkatraman Ms Anuradha Rao Independent Director Independent Director Independent Director Has nearly 3 decades of experience spanning across Has 4 decades of experience in consulting and advisory Has over 4 decades of experience in Banking and Finance.
Slide 45: Key Managerial Personnel
KEY MANAGERIAL PERSONNEL Sri M. Ramaswamy Sri P. N. Srikant Chief Financial Officer Chief Compliance Officer & Company Secretary He has 4 decades of experience in the Company. He is the Chief Financial He has 3 decades of experience in the Company/Group. He is the Chief Officer of the Company from S
Slide 46: Sri M. Ramaswamy Sri P. N. Srikant
This document is for information purposes only and is not and does not form part of an invitation/ offer/advertisement/advise to purchase or sell any securities of the Company. The materials and information contained in the document are prepared by the Company and are correct and accurate, to the be