Shriram Finance Limited · NSE:SHRIRAMFIN
Shriram Finance — Q1 FY26 Earnings Presentation
73 slides from Shriram Finance's earnings presentation, Jul 25, 2025
Slide 1: Outcome of Board Meeting
July 25, 2025 BSE Limited National Stock Exchange of India Limited P. J. Towers, Listing Department Dalal Street, Fort, Exchange Plaza, 5th Floor, Mumbai – 400 001 Plot no. C/1, G- Block, Scrip Code: 511218 Bandra-Kurla Complex, Mumbai – 400 051 NSE Symbol: SHRIRAMFIN Dear Sir/Madam, Sub.: Outcome o
Slide 2: Outcome of Board Meeting (continued)
b) The disclosure in accordance with Regulation 52(7) and 52(7A) of the Listing Regulations regarding utilization of issue proceeds of non-convertible securities and a Nil statement for material deviation in the use of proceeds for the quarter ended June 30, 2025. c) Independent Auditor's certificat
Slide 3: Auditor's review report on standalone results
M M Nissim & Co LLP G. D. Apte & Co. Chartered Accountants Chartered Accountants Barodawala Mansion, GDA. House, B wing, 3rd Floor, Plot No. 85, Right Bhusari Colony, 81, Dr. Annie Besant Road, Paud Road, Kothrud, Worli, Mumbai 400018 Pune- 411 038 Independent auditor's review report on Unaudited St
Slide 4: Auditor's review report (continued)
M M Nissim 8, Co LLP G. D. Apte 8, Co. Chartered Accountants Chartered Accountants 4. Based on our review conducted as above, nothing has come to our attention that causes us to believe that the accompanying Statement, prepared in accordance with the recognition and measurement principles laid down
Slide 5: Unaudited standalone financial results Q1 FY26
SIIRIRAM FINANCE LIMITED CIN: L6519 I TNI979PLC007874 Regd. Office: Sri Towers, 14A, South Phase, Industrial Estate, Guindy, Chennai - 600032, Tamil Nadu. Tel. No: +91 44 4852 4666, Fax: +91 44 4852 5666. Website-www.shriramfinance.in, Email-secretarial@shriramfinance.in STATEMENT OF UNAUDITED STAND
Slide 6: Notes to standalone results
SHRIRAM FINANCE LIMITED CIN: L6519 1 TN1979PLC007874 Regd. Office: Sri Towers, 14A, South Phase, Industrial Estate, Guindy, Chennai - 600 032, Tamil Nadu. Tel. No: +91 44 4852 4666, Fax: +91 44 4852 5666. Website-www.shriramfinance.in, email-secretarial@shriramfinance.in Notes: I The above results h
Slide 7: Notes to standalone results (continued)
SHRIRAM FINANCE LIMITED CIN: L65191TN1979PLC007874 Regd. Office: Sri Towers, 14A, South Phase, Industrial Estate, Guindy, Chennai - 600 032, Tamil Nadu. Tel. No: +91 44 4852 4666, Fax: +91 44 4852 5666. Website-www.shriramlinance.in, email-secretarial a shriramlinance.in Notes: 9 The Members through
Slide 8: Regulation 52(4) information - standalone
SI-IRIRAM FINANCE LIMITED CIN: L65191TNI979PLC007874 Regd. Office: Sri Towers, I4A, South Phase, Industrial Estate, Guindy, Chennai - 600032, Tamil Nadu. Tel. No: +91 44 4852 4666, Fax: +91 44 4852 5666. Website-www.shriramfinance.in, Email-secretarial@shriramtinance.in 1nform a lion as required by
Slide 9: Standalone security cover certificate
SHRIRAM FINANCE LIMITED CIN: L65191TN1979PLC007874 Reed. Office: Sri Towers. 14A. South Phase. Industrial Estate. Guindy, Chennai - 600 032. Tamil Nadu. Tel. No: +91 44 4852 4666, Fax: +91 44 4852 5666. Website-www.shriramfinance.in. email-secretarial@shriramfinance.in Annexure 2 Standalone security
Slide 10: Standalone security cover certificate (continued)
SHRIRAM FINANCE LIMITED ON: L65191TN1979PLC007874 Regd. Office: Sri Towers. 14A. South Phase. Industrial Estate. Guindy. Chennai - 600 032. Tamil Nadu. Tel. No: +91 44 4852 4666, Fax: +91 44 4852 5666. Website-www.shriramfinance.in, email-secretarial@shriramfinance.in Annexure 2 Standalone security
Slide 11: Auditor's review report on consolidated results
M M Nissim & Co LLP G. D. Apte & Co. Chartered Accountants Chartered Accountants Barodawala Mansion, GDA. House, B wing, 3rd Floor, Plot No. 85, Right Bhusari Colony, 81, Dr. Annie Besant Road, Paud Road, Kothrud, Worli, Mumbai 400018 Pune- 411 038 Independent auditor's review report on Unaudited Co
Slide 12: Auditor's review report (continued)
M M Nissim & Co LLP G. D. Apte & Co. Chartered Accountants Chartered Accountants We also performed procedures in accordance with the circular No. CIR/CED/CMD/ 44/ 2019 dated March 29, 2019, issued by the SEBI under Regulation 33 (8) of the Listing Regulations, to the extent applicable. 4. The Statem
Slide 13: Auditor's review report (continued)
M M Nissim & Co LLP G. D. Apte & Co. Chartered Accountants Chartered Accountants on the report of the other auditor and the procedures performed by us as stated in paragraph 3 above. Our conclusion on the Statement is not modified in respect of these matters. 7. As described in note 13 to the Statem
Slide 14: Unaudited consolidated financial results Q1 FY26
SHRIRAM FINANCE LIMITED CIN: L6519ITN1979PLC007874 Regd. Office: Sri Towers, 14A, South Phase, Industrial Estate, Guindy, Chennai - 600 032, Tamil Nadu. Tel. No: +91 44 4852 4666, Fax: +91 44 4852 5666. Website-www.Shriramlinance.in, email-secretarial@shriramlinance.in STATEMENT OF UNAUDITED CONSOLI
Slide 15: Consolidated results (continued)
(Rs. in crores) Sr. Particulars Quarter ended 'ear ended No. 30.06.2025 31.03.2025 30.06.2024 31.03.2025 (Unaudited) (Audited) (Unaudited) (Audited) (Refer note 5) From discontinued operations (C) (i) Items that will not be reclassified to profit or loss Remeasurement gain/ (loss) on defined benefit
Slide 16: Notes to consolidated results
SIIRiRAM FINANCE LIMITED CIN: L65191TN1979PLC007874 Regd. Office: Sri Towers, 14A, South Phase, Industrial Estate, Guindy, Chennai - 600 032, Tamil Nadu. Tel. No: +91 44 4852 4666, Fax: +91 44 4852 5666. Website-www.shriramfinance.in, email-secretarial@shriramtinance.in Notes: I The above results ha
Slide 17: Notes to consolidated results (continued)
SHRIRAM FINANCE LIMITED CIN: L65191TN1979PLC007874 Regd. Office: Sri Towers, 14A, South Phase, Industrial Estate, Guindy, Chennai - 600 032, Tamil Nadu. Tel. No: +91 44 4852 4666, Fax: +91 44 4852 5666. Website-www.shriramfinance.in, email-secretarial@shriramfinance.in Notes: 7 The Board of Director
Slide 18: Discontinued operations summary
SHIZIRAM FINANCE LIMITED CIN: L6519ITN1979PLC007874 Regd. Office: Sri Towers, 14A, South Phase, Industrial Estate, Guindy, Chennai - 600 032, Tamil Nadu. Tel. No: +91 44 4852 4666, Fax: +91 44 4852 5666. Website-www.shrirainfinance.in, email-secretarial@shrirainfinance.in Notes: II). Summary results
Slide 19: Regulation 52(4) information - consolidated
SiiRIRAM FINANCE LIMITED CIN: L65191TN1979PLC007874 Regd. Office: Sri Towers, 14A, South Phase, Industrial Estate, Guindy, Chennai - 600 032, Tamil Nadu. Tel. No: +91 44 4852 4666, Fax: +91 44 4852 5666. Website-www.shriramfinance.in, email-secretarial@shriramfinance.in Information as required by Re
Slide 20: Utilization of issue proceeds of non-convertible securities
July 25, 2025 BSE Limited National Stock Exchange of India Limited P. J. Towers, Listing Department Dalal Street, Fort, Exchange Plaza, 5th Floor, Mumbai 400 001. Plot no. C/1, G- Block, Scrip Code: 511218 Bandra-Kurla Complex, Mumbai 400 051. NSE Symbol: SHRIRAMFIN Dear Sir/Madam, Sub.: Regulation
Slide 21: Statement of deviation in use of issue proceeds - ISIN INE721A07SL9
B. Statement of deviation/ variation in use of Issue proceeds 1. ISIN - INE721A07SL9 Particulars Remarks Name of listed entity Shriram Finance Limited Mode of fund raising Private Placement Type of instrument Non-convertible Debentures Date of raising funds 09th April, 2025 Amount raised Rs.575 Cror
Slide 22: Statement of deviation - ISIN INE721A07SM7
2. ISIN - INE721A07SM7 Particulars Remarks Name of listed entity Shriram Finance Limited Mode of fund raising Private Placement Type of instrument Non-convertible Debentures Date of raising funds 09th April, 2025 Amount raised Rs.1,140 Crores Report filed for quarter ended 30th June, 2025 Is there a
Slide 23: Statement of deviation - ISIN INE721A07SL9
3. ISIN INE721A07SL9 Particulars Remarks Name of listed entity Shriram Finance Limited Mode of fund raising Private Placement Type of instrument Non-convertible Debentures Date of raising funds 08th May, 2025 Amount raised Rs.200 Crores Report filed for quarter ended 30th June, 2025 Is there a devia
Slide 24: Statement of deviation - ISIN INE721A07SL9
4. ISIN INE721A07SL9 Particulars Remarks Name of listed entity Shriram Finance Limited Mode of fund raising Private Placement Type of instrument Non-convertible Debentures Date of raising funds 23rd May, 2025 Amount raised Rs.500 Crores Report filed for quarter ended 30th June, 2025 Is there a devia
Slide 25: Statement of deviation - ISIN INE721A07SI5
5. ISIN INE721A07SI5 Particulars Remarks Name of listed entity Shriram Finance Limited Mode of fund raising Private Placement Type of instrument Non-convertible Debentures Date of raising funds 29th May, 2025 Amount raised Rs.100 Crores Report filed for quarter ended 30th June, 2025 Is there a devia
Slide 26: Statement of deviation - ISIN INE721A07RV0
6. ISIN INE721A07RV0 Particulars Remarks Name of listed entity Shriram Finance Limited Mode of fund raising Private Placement Type of instrument Non-convertible Debentures Date of raising funds 30th June, 2025 Amount raised Rs.485 Crores Report filed for quarter ended 30th June, 2025 Is there a devi
Slide 27: Independent Auditor's certificate on Security Cover
M M Nissirn & Co LLP G. D. Apte & Co. Chartered Accountants Chartered Accountants Barodawala Mansion, Neelkanth Business Park, B wing, 31° Floor, Office No. 509, 5th floor, 81, Dr. Annie Besant Road, Nathani Road, Vidyavihar West Worli, Mumbai 400018 Mumbai 400086 The Board of Directors Shriram Fina
Slide 28: Auditor's responsibility
M M Nissim & Co LLP G. D. Apte & Co. Chartered Accountants Chartered Accountants 6. Management of the Company is also responsible for ensuring that the Company complies with all the relevant requirements of the Regulations and for providing all relevant information to the Debenture Trustees. Auditor
Slide 29: Procedures performed
M M Nissirn & Co LLP G. D. Apte & Co. Chartered Accountants Chartered Accountants 11.2. Traced the principal amount of the Debentures outstanding as at June 30, 2025, to the unaudited financial statements, the unaudited books of account and other relevant records maintained by the Company. 11.3. Obt
Slide 30: Restriction on Use
M M Nissim & Co LLP G. D. Apte & Co. Chartered Accountants Chartered Accountants Restriction on Use 14. Our work was performed solely to assist the Company in meeting its responsibilities in relation to the compliance with the Regulations. Our obligations in respect of this certificate are entirely
Slide 31: Security cover certificate
SHRIRAM FINANCE LIMITED C1N: L65191TN1979PLC007874 Regd. Office: Sri Towers. 14A. South Phase. Industrial Estate. Guindy, Chennai - 600 032. Tamil Nadu. Tel. No: +91 44 4852 4666. Fax: +91 44 4852 5666. Website-www.shriramfinance.in. email-secretarial .shriramfinance.in Standalone security cover cer
Slide 32: Security cover certificate (continued)
SHRIRAM FINANCE LIMITED CIN: L65191TN1979PLC007874 Regd. Office: Sri Towers. 14A. South Phase. Industrial Estate. Guindy. Chennai - 600 032. Tamil Nadu. Tel. No: +91 44 4852 4666. Fax: +91 44 4S52 5666. Website-www.shriramfinance.in. email-secretarial@shriramfinance.in Standalone security cover cert
Slide 33: Press Release
PRESS RELEASE Friday 25th July, 2025, Mumbai : The Board Meeting of Shriram Finance Limited (SFL) was held today to consider the unaudited financial results for the first quarter ended 30th June, 2025. Financials (Standalone) : First quarter ended 30th June, 2025 : The Net Interest Income for the fi
Slide 34: Investor Update - Q1 FY26
Investor Update - Q1 FY26 July 25, 2025
Slide 35: Company Updates
Company Updates ❑ The Board of Directors of the Company in its meeting held on April 26, 2024 had approved acquisition of 100% equity stake in Shriram Overseas Investments Private Limited (renamed as Shriram Overseas Investments Limited consequent upon conversion into public company w.e.f. June 04,
Slide 36: Performance Highlights
Performance Highlights 3 #TogetherWeSoar
Slide 37: Performance Highlights – Q1 FY26 vs Q1 FY25
Performance Highlights – Q1 FY26 vs Q1 FY25 Q1 FY26 Rs. 115,417.6 mn Total Income 20.11 % Q1 FY25 Rs. 96,097.1 mn Q1 FY26 Rs 60,264.3 mn Net Interest Income** 12.55 % **including Net Direct assignment Income Rs. Nil Q1 FY25 Rs. 53,544.7 mn (Q1 FY25 Rs. 313.1 mn) Q1 FY26 Rs 21,557.3 mn PAT 8.84 % Q1
Slide 38: Performance Highlights – Q1 FY26 vs Q1 FY25
Performance Highlights – Q1 FY26 vs Q1 FY25 Q1 FY26 Rs. 2,722,490.1 mn AUM 16.62% Q1 FY25 Rs 2,334,436.6 mn Q1 FY26 Rs 121,994.8 mn Gross Stage 3 Assets 1.68% Q1 FY25 Rs 124,077.5 mn Q1 FY26 Rs 67,932.9 mn Net Stage 3 Assets 12.07% Q1 FY25 Rs 60,617.9 mn Q1 FY26 Rs. 310.93 Book Value* 15.59% Q1 FY25
Slide 39: AUM, Provision Analysis and Geographical Distribution
Assets under Management (AUM), Provision Analysis and Geographical Distribution 6 #TogetherWeSoar
Slide 40: AUM Break-up
AUM Break-up Particulars (Rs. mn) Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) Loan Portfolio - On Books Balance sheet assets 2,314,226.8 2,231,869.8 2,026,949.0 14.17% 3.69% Securitised assets 378,043.6 367,289.3 275,513.3 37.21% 2.93% Total On books 2,692,270.4 2,599,159.1 2,302,462.3 16.93% 3.58% - Of
Slide 41: Segment-wise AUM Break-up
Segment-wise AUM Break-up Product Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) (Rs. mn) Amt % Amt % Amt % Commercial Vehicles 1,231,318.9 45.23% 1,185,605.0 45.05% 1,096,791.8 46.98% 12.27% 3.86% Passenger Vehicles 566,347.6 20.80% 541,044.9 20.56% 459,822.5 19.70% 23.17% 4.68% Construction Equipments 16
Slide 42: Provision Analysis – Jun’25
Provision Analysis – Jun’25 Particulars (Rs. mn) Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) Gross Stage 3 121,994.8 118,387.9 124,077.5 -1.68% 3.05% ECL provision-Stage 3 54,061.9 51,243.3 63,459.6 -14.81% 5.50% Net Stage 3 67,932.9 67,144.6 60,617.9 12.07% 1.17% Gross Stage 3 (%) 4.53% 4.55% 5.39% -15
Slide 43: Product-wise Provision Analysis – Jun’25
Product-wise Provision Analysis – Jun’25 Commercial Passenger Construction Farm Two Personal Particulars (Rs. mn) MSME Gold Loan Total Vehicles Vehicles Equipment Equipment Wheeler Loans Gross Stage 3 58,821.9 23,055.9 9,691.5 4,392.7 15,854.6 5,014.8 1,063.4 4,099.9 121,994.8 ECL provision-Stage 3
Slide 44: Commercial Vehicles
Commercial Vehicles Particulars (Rs. mn) Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) Gross Stage 3 58,821.9 57,071.3 63,346.9 -7.14% 3.07% ECL provision-Stage 3 24,627.3 23,430.4 33,185.8 -25.79% 5.11% Net Stage 3 34,194.6 33,640.9 30,161.1 13.37% 1.65% Gross Stage 3 (%) 4.84% 4.88% 5.85% -17.33% -0.86%
Slide 45: Passenger Vehicles
Passenger Vehicles Particulars (Rs. mn) Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) Gross Stage 3 23,055.9 22,393.2 23,791.2 -3.09% 2.96% ECL provision-Stage 3 9,609.3 9,123.3 11,458.9 -16.14% 5.33% Net Stage 3 13,446.6 13,269.9 12,332.3 9.04% 1.33% Gross Stage 3 (%) 4.13% 4.21% 5.27% -21.66% -1.91% Net
Slide 46: Construction Equipments
Construction Equipments Particulars (Rs. mn) Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) Gross Stage 3 9,691.5 9,937.6 10,492.7 -7.64% -2.48% ECL provision-Stage 3 3,935.8 3,971.7 5,169.6 -23.87% -0.90% Net Stage 3 5,755.7 5,965.9 5,323.1 8.13% -3.52% Gross Stage 3 (%) 5.93% 5.63% 6.24% -4.89% 5.37% Net
Slide 47: Farm Equipments
Farm Equipments Particulars (Rs. mn) Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) Gross Stage 3 4,392.7 4,063.4 3,475.4 26.40% 8.10% ECL provision-Stage 3 1,762.1 1,578.3 1,503.0 17.23% 11.64% Net Stage 3 2,630.6 2,485.2 1,972.4 33.37% 5.85% Gross Stage 3 (%) 7.59% 7.88% 8.93% -15.01% -3.71% Net Stage 3
Slide 48: MSME
MSME Particulars (Rs. mn) Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) Gross Stage 3 15,854.6 15,104.9 13,725.6 15.51% 4.96% ECL provision-Stage 3 8,549.4 7,996.5 7,872.7 8.60% 6.91% Net Stage 3 7,305.2 7,108.4 5,852.9 24.81% 2.77% Gross Stage 3 (%) 4.12% 4.08% 4.86% -15.16% 1.00% Net Stage 3 (%) 1.94% 1
Slide 49: Two Wheelers
Two Wheelers Particulars (Rs. mn) Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) Gross Stage 3 5,014.8 4,809.2 3,995.6 25.51% 4.28% ECL provision-Stage 3 2,853.9 2,672.3 1,945.3 46.70% 6.80% Net Stage 3 2,160.9 2,136.9 2,050.3 5.39% 1.12% Gross Stage 3 (%) 3.16% 3.09% 3.10% 2.18% 2.46% Net Stage 3 (%) 1.39
Slide 50: Gold
Gold Particulars (Rs. mn) Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) Gross Stage 3 1,063.4 996.6 1,189.5 -10.60% 6.71% ECL provision-Stage 3 99.0 98.0 88.5 11.92% 1.00% Net Stage 3 964.4 898.6 1,101.0 -12.40% 7.32% Gross Stage 3 (%) 2.06% 2.06% 1.94% 6.20% 0.14% Net Stage 3 (%) 1.87% 1.86% 1.80% 4.11%
Slide 51: Personal Loans
Personal Loans Particulars (Rs. mn) Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) Gross Stage 3 4,099.9 4,011.6 4,060.7 0.97% 2.20% ECL provision-Stage 3 2,625.2 2,372.8 2,235.7 17.42% 10.64% Net Stage 3 1,474.7 1,638.8 1,825.0 -19.19% -10.02% Gross Stage 3 (%) 3.99% 4.17% 4.55% -12.38% -4.51% Net Stage 3
Slide 52: Well entrenched Pan India Network
Well entrenched Pan India Network Semi-Urban State/UT wise Branches Metro Urban Total and Rural Andaman and Nicobar Islands - 1 - 1 Andhra Pradesh 9 94 200 303 Assam - 11 20 31 Bihar 4 45 44 93 Chandigarh 3 - - 3 Chhattisgarh 6 17 47 70 Dadra and Nagar Haveli - 1 - 1 Delhi 19 3 - 22 Goa - 4 1 5 Guja
Slide 53: Well entrenched Pan India Network (Contd.)
Well entrenched Pan India Network (Contd.) Semi-Urban State/UT wise Branches Metro Urban Total and Rural Manipur - - 1 1 Meghalaya - 1 - 1 Odisha - 15 43 58 Puducherry - 9 5 14 Punjab 10 37 27 74 Rajasthan 16 51 80 147 Sikkim - 1 2 3 Tamil Nadu 73 308 399 780 Telangana 4 88 127 219 Tripura - 4 1 5 U
Slide 54: Branch & AUM distribution – Q1 FY26 vs Q1 FY25
Branch & AUM distribution – Q1 FY26 vs Q1 FY25 Metro, Urban, Branch (Nos) 327 1,145 AUM (Rs bn) Metro, Urban, 326.5 1,044.0 Q1 FY26 Q1 FY26 Semi- Total AUM Urban and Semi-Urban Total Branch 3,225 Rural, Rs 2,722.4 bn and Rural, 1,753 1,351.9 Metro, Urban, 322 1,130 Metro, 279.1 Urban, Q1 FY25 929.1
Slide 55: Shriram One App Summary
Shriram One App Summary Strategic Digital Metrics for Q1 FY26 Particulars Unit # Q1 FY26 Q4 FY25 Q1 FY25 App downloads - Cumulative in mn 17.70 15.70 3.90 App Net installs - Cumulative in mn 13.90 12.30 3.60 In-App modules – Cumulative count 160 150 140 Non Shriram Customers Installing the app - Cum
Slide 56: Financial Statement
Financial Statement 23 #TogetherWeSoar
Slide 57: P&L Statement
P&L Statement Particulars (Rs. mn) Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) FY25 Interest income 114,631.4 113,274.9 95,210.1 20.40% 1.20% 414,564.1 Interest expended 54,367.1 52,763.0 41,665.4 30.49% 3.04% 186,213.2 Net interest income 60,264.3 60,511.9 53,544.7 12.55% -0.41% 228,350.9 Staff cost 9,
Slide 58: Summarised Balance Sheet
Summarised Balance Sheet Particulars (Rs. mn) Jun-25 Mar-25 Jun-24 YoY(%) QoQ (%) I. Assets Financial Assets a) Cash and bank balances 256,904.4 213,657.4 78,996.1 225.21% 20.24% b) Loans 2,539,346.3 2,453,927.9 2,158,220.3 17.66% 3.48% c) Investments 136,622.3 155,987.1 90,531.1 50.91% -12.41% d) O
Slide 59: Key Metrics – Q1 FY26
Key Metrics – Q1 FY26 P&L Metrics (Rs. mn) Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) FY25 Interest Income 114,631.4 113,274.9 95,210.1 20.40% 1.20% 414,564.1 Less: Interest Expenses 54,367.1 52,763.0 41,665.4 30.49% 3.04% 186,213.2 Net Interest Income 60,264.3 60,511.9 53,544.7 12.55% -0.41% 228,350.9
Slide 60: Key Metrics – Q1 FY26 (Contd.)
Key Metrics – Q1 FY26 (Contd.) Balance Sheet Metrics (Rs. mn) Q1 FY26 Q4 FY25 Q1 FY25 YoY (%) QoQ (%) FY25 Networth 588,657.2 567,085.3 507,864.4 15.91% 3.80% 567,085.3 Book Value (Rs.)* 310.93 299.30 269.00 15.59% 3.89% 299.30 Interest Coverage (x) 2.12 2.17 2.30 -7.83% -2.30% 2.25 ROA (%) (includi
Slide 61: Borrowing Profile
Borrowing Profile 28 #TogetherWeSoar
Slide 62: Borrowing Profile
Borrowing Profile Q1 FY26 Q4 FY25 Q1 FY25 Product Amt in bn % Amt in bn % Amt in bn % Commercial Paper - - - - 33.8 1.76% Non-Convertible Debentures 396.1 16.31% 383.0 16.35% 321.2 16.75% Public Deposit 630.3 25.95% 560.9 23.95% 474.9 24.77% Securitisation 388.2 15.98% 380.5 16.25% 290.6 15.16% Subo
Slide 63: ALM Statement as on June 30, 2025
ALM Statement as on June 30, 2025 Over one Over 2 Over 3 Over 6 Over one Over 3 to Particulars (Rs. mn) One month month to 2 months to months to months to year to 3 Over 5 years Total 5 years months 3 months 6 months one year years Total Outflows 109,819.1 39,300.6 67,860.4 169,733.4 419,583.9 1,168
Slide 64: Shareholding
Shareholding 31 #TogetherWeSoar
Slide 65: Shareholding Pattern as on June 30, 2025 vs June 30, 2024
Shareholding Pattern as on June 30, 2025 vs June 30, 2024 No. of shares outstanding: 1,880.6** mn No. of shares outstanding: 375.91 mn Other Other Corporate Public 5.54% Public 4.85% Corporate Body , Body , 0.37% 0.34% Promoters & Promoters & Promoters MF/Bank/ Promoters MF/Bank/ group*, Insurance g
Slide 66: List of Key Shareholders as on June 30, 2025
List of Key Shareholders as on June 30, 2025 Current Key Shareholders Shareholding % (mn Shares) Promoter and Promoter Group Shriram Capital Private Limited (Formerly known as Shriram 335.7 17.85 Financial Ventures (Chennai) Private Limited) Shriram Value Services Limited 133.8 7.11 Shriram Ownershi
Slide 67: Shriram Automall India Limited (SAMIL)
Shriram Automall India Limited (SAMIL) 34 #TogetherWeSoar
Slide 68: Business Overview
Business Overview Shriram Automall India Limited (SAMIL), an ISO 9001:2015 certified company, is India's Largest Phygital Pre-owned Marketplace connecting pre-owned vehicles and equipment buyers and sellers. SAMIL began its journey in 2011 by setting up India's first professionally managed and o
Slide 69: Shriram Overseas Investment Limited (SOIL)
Shriram Overseas Investment Limited (SOIL) 36 #TogetherWeSoar
Slide 70: Business Overview
Business Overview Shriram Overseas Investments Limited (SOIL), formerly known as Shriram Overseas Investments Private Limited (SOIPL) is a middle layer non-banking finance company. Shriram Finance Limited (SFL) acquired 100% stake in SOIPL (now, renamed as Shriram Overseas Investment Limited w.e
Slide 71: Contact Us
Contact Us 38 #TogetherWeSoar
Slide 72: About Us
About Us About Shriram Finance Ltd. Shriram Finance Limited is the flagship company of the Shriram group which has significant presence in Consumer Finance, Life Insurance, General Insurance, Housing Finance, Stock Broking and Distribution businesses. Shriram Finance Limited is one of India’s larges
Slide 73: Thank You
THANK YOU 40 #TogetherWeSoar