Shriram Finance Limited · NSE:SHRIRAMFIN
Shriram Finance — Q3 FY2026 Earnings Presentation
78 slides from Shriram Finance's earnings presentation, Jan 23, 2026
Slide 1: Outcome of Board Meeting letter
January 23, 2026 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.: Outcom
Slide 2: Outcome of Board Meeting letter (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 December 31, 2025. c) Independent Auditor's certif
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, 3 rd 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 Sta
Slide 4: Auditor's Review Report (continued)
M M NISSIM & CO LLP G. D. Apte & 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 in
Slide 5: Statement of Unaudited Standalone Financial Results
SIIRIRAM FINANCE LIMITED CIN: L65191 TN1979PLC007874 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 STANDA
Slide 6: Notes to Standalone Results
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-secretarialO,shriramfinance.in Notes: I The above results ha
Slide 7: Notes to Standalone Results (continued)
SHRIRAM FINANCE LIMITED CIN: L65191 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: 8 On September 26, 202
Slide 8: 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@shriramfinance.in Notes: 13 The Company's secure
Slide 9: Annexure 1: Regulation 52(4) Information
SiIRIRAM FINANCE LIMITED C1N: 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.shriramlinance.in, Email-secretarial@shriramfinance.in Information as required by R
Slide 10: Annexure 2: Standalone Security Cover Certificate
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-secretarialOshriramfinance.in Annexure 2 Standalone security
Slide 11: Annexure 2: Standalone Security Cover Certificate
SHRIRAM FINANCE LIMITED CIN: L651911N1979PLC007874 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 at shriramfinance.in Annexure 2 Standalone secur
Slide 12: Auditor's Review Report on Consolidated Results
M M NISSIM & CO LLF' 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 Con
Slide 13: 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 14: Auditor's Review Report (continued)
M M NISSIM & CO LLP G. D. Apte & Co. Chartered Accountants Chartered Accountants The Statement also includes the Group's share of net profit after tax of ₹ 5.67 Crores and ₹ 14.27 Crores and other comprehensive income/ loss) of ₹ (0.22) Crores and ₹ (0.76) Crores for the quarter and nine months ende
Slide 15: Statement of Unaudited Consolidated Financial Results
SIIRIRAM FINANCE LIMITED CIN: L65191TNI979PLC007874 Regd. Office: Sri Towers, I4A, 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@shriramfinance.in STATEMENT OF UNAUDITED CONSOL
Slide 16: Consolidated Financial Results (continued)
SIIRIRAM FINANCE LIMITED CIN: L6519ITNI979PLC007874 Regd. Office: Sri Towers, I4A, 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 CONSOL
Slide 17: Notes to Consolidated Results
SHRIRAM FINANCE LIMITED CIN: L65191TN1979PLC007874 Rcgd. 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@shriramfinance.in Notes: I The above results hav
Slide 18: Notes to Consolidated Results (continued)
SHRIRAM FINANCE LIMITED C1N : L65191TN1979PLC007874 Regd. Office: Sri Towers, I4A, 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 a shriramlinance.in Notes: 7 The Board of Direc
Slide 19: Summary Results of Discontinued Operations
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.shriram finance.in, email-secretarial@shriramlinance.in Notes: 13 II) Summary results
Slide 20: Annexure: Regulation 52(4) Information (Consolidated)
SHRIRAM FINANCE LIMITED CIN: 1,65191TN1979PLC007874 Regd. Office: Sri Towers, I4A, 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 21: Utilization of Issue Proceeds of Non-convertible Securities
January 23, 2026 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.: Regulati
Slide 22: Statement of Deviation in Use of Issue Proceeds
B. Statement of deviation/ variation in use of Issue proceeds 1. ISIN - INE721A07SO3 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 01st October, 2025 Amount raised Rs.500 Cr
Slide 23: Statement of Deviation: ISIN INE721A07SL9
2. 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 28th October, 2025 Amount raised Rs.750 Crores Report filed for quarter ended 31st December, 2025 Is the
Slide 24: Statement of Deviation: ISIN INE721A07SP0
3. ISIN INE721A07SP0 Particulars Remarks Name of listed entity Shriram Finance Limited Mode of fund raising Private Placement Type of instrument Non-convertible Debentures (Partly Paid) Date of raising funds 28th October, 2025* Amount raised Rs.237.50 Crores Report filed for quarter ended 31st Decem
Slide 25: Statement of Deviation: ISIN INE721A07RY4
4. ISIN INE721A07RY4 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 24th November, 2025 Amount raised Rs.250 Crores Report filed for quarter ended 31st December, 2025 Is ther
Slide 26: Statement of Deviation: ISIN INE721A07SQ8
5. ISIN INE721A07SQ8 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 01st December, 2025 Amount raised Rs.125 Crores Report filed for quarter ended 31st December, 2025 Is ther
Slide 27: Statement of Deviation: ISIN INE721A07SR6
6. ISIN INE721A07SR6 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 December, 2025 Amount raised Rs.75 Crores Report filed for quarter ended 31st December, 2025 Is there
Slide 28: Independent Auditor's Certificate on Security Cover
M M NISSIM & C LLP G. D. Apte & Co. Chartered Accountants Chartered Accountants Barodawala Mansion, Neelkanth Business Park, B wing, 3 rd Floor, Office No. 509, 5lli floor, 81, Dr. Annie Besant Road, Nathani Road, Vidyavihar West Worli, Mumbai 400018 Mumbai 400086 The Board of Directors Shriram Fina
Slide 29: Auditor's Responsibility
M M Nissim & Co LLP G. D. Apte & Co. Chartered Accountants Chartered Accountants Auditor's Responsibility 7. Our responsibility is to provide limited assurance as to whether anything has come to our attention that causes us to believe that the particulars contained in the aforesaid Statement with re
Slide 30: Auditor's Procedures (continued)
M M Nissim & Co LLP G. D. Apte & Co. Chartered Accountants Chartered Accountants 11.4. Traced the value of book debts from the Statement to the unaudited financial statements, unaudited books of accounts and other relevant records maintained by the Company as at December 31, 2025. 11.5. Traced the s
Slide 31: Certificate Restrictions on Use
M M Nissim & Co LLP G. D. Apte & Co. Chartered Accountants Chartered Accountants 15. The certificate has been issued at the request of the Company, solely in connection with the purpose mentioned in paragraph 2 above and to be submitted with the accompanying Statement to the Stock Exchanges and Debe
Slide 32: 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 4S52 5666. Website-www.shriramfinance.in, email-secretarial©shriramfinance.in Standalone security cover cer
Slide 33: Standalone Security Cover Certificate
SHRIRAM FINANCE LIMITED CIN: L6519 I TN1979PLC007874 Read. 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 ce
Slide 34: Press Release
PRESS RELEASE Friday, 23rd January, 2026, Mumbai : The Board Meeting of Shriram Finance Limited (SFL) was held today to consider the unaudited financial results for the third quarter ended 31st December, 2025. Financials (Standalone) : Third quarter ended 31st December, 2025 : The Net Interest Incom
Slide 35: Assets under Management and About Shriram Finance
(2) Assets under Management : Total Assets under Management as on 31st December, 2025 increased by 14.63% and stood at Rs. 2,91,709.03 crores as compared to Rs. 2,54,469.69 crores as on 31st December, 2024 and Rs. 2,81,309.46 crores as on 30th September, 2025. About Shriram Finance Limited. Shriram
Slide 36: Investor Update - Q3 & 9M FY2026
Investor Update - Q3 & 9M FY2026 January 23, 2026
Slide 37: Business Updates
Business Updates The Board of Directors at its meeting held on December 19, 2025 approved raising of funds of INR 396,179.8 mn by way of the preferentia lissue of 471,121,055 fully paid-up equity shares of face value of Rs. 2/- at a price of INR 840.93 per subscription share each representing 20%
Slide 38: Business Updates (Contd.)
Business Updates (Contd.) The Government of India has consolidated 29 existing labour legislations into a unified framework comprising four Labour Codes viz. Code on wages 2019, Codes on Social Security 2020, Industrial Relation Code 2020, and Occupational Safety, Health and Working Condition Code
Slide 39: Performance Highlights
Performance Highlights 4 #TogetherWeSoar
Slide 40: Performance Highlights – Q3 FY26 vs Q3 FY25
Performance Highlights – Q3 FY26 vs Q3 FY25 Q3 FY26 Rs 121,915.8 mn Total Income 13.88% Q3 FY25 Rs 107,054.7 mn Q3 FY26 Rs 67,640.9 mn Net Interest Income** 16.17% Q3 FY25 Rs 58,226.9 mn **including Net Direct assignment Income Rs. Nil (Q3 FY25 Rs. 263.4 mn) Q3 FY26 Rs 25,216.7 mn PAT (excl. excepti
Slide 41: Performance Highlights – 9M FY26 vs 9M FY25
Performance Highlights – 9M FY26 vs 9M FY25 9M FY26 Rs 356,500.7 mn Total Income 17.27% 9M FY25 Rs 303,992.2 mn 9M FY26 Rs 190,573.6 mn Net Interest Income** 13.55% 9M FY25 Rs 167,839.0 mn **including Net Direct assignment Income Rs. Nil (Q3 FY25 Rs. 1,023.9 mn) 9M FY26 Rs 69,845.8 mn PAT (excl. exc
Slide 42: Performance Highlights – AUM, Stage 3 Assets, Book Value
Performance Highlights – Q3 FY26 vs Q3 FY25 Q3 FY26 Rs 2,917,090.3 mn AUM 14.63% Q3 FY25 Rs 2,544,696.9 mn Q3 FY26 Rs 131,214.4 mn Gross Stage 3 Assets -2.96% Q3 FY25 Rs 135,211.8 mn Q3 FY26 Rs 67,218.2 mn Net Stage 3 Assets 2.79% Q3 FY25 Rs 65,393.4 mn Q3 FY26 Rs 330.04 Book Value 12.85% Q3 FY25 Rs
Slide 43: AUM, Provision Analysis and Geographical Distribution
Assets under Management (AUM), Provision Analysis and Geographical Distribution 8 #TogetherWeSoar
Slide 44: AUM Break-up
AUM Break-up Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25 Loan Portfolio - On Books Balance sheet assets 2,501,092.2 2,418,263.3 2,314,226.8 2,136,048.5 17.09% 3.43% 2,231,869.8 Securitised assets 392,249.7 367,567.3 378,043.6 375,629.5 4.42% 6.72% 367,289.3 Total On boo
Slide 45: Segment-wise AUM Break-up
Segment-wise AUM Break-up Product Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25 (Rs. mn) Amt % Amt % Amt % Amt % Amt % Commercial Vehicles 1,331,695.4 45.65% 1,281,402.4 45.55% 1,231,318.9 45.23% 1,157,668.5 45.49% 15.03% 3.92% 1,185,605.0 45.05% Passenger Vehicles 632,168.9 21.67% 595,505.6
Slide 46: Provision Analysis – December’25
Provision Analysis – December’25 Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25 Gross Stage 3 131,214.4 127,362.6 121,994.8 135,211.8 -2.96% 3.02% 118,387.9 ECL provision-Stage 3 63,996.2 59,478.5 54,061.9 69,818.4 -8.34% 7.60% 51,243.3 Net Stage 3 67,218.2 67,884.1 67,932
Slide 47: Product-wise Provision Analysis – December’25
Product-wise Provision Analysis – December’25 Commercial Passenger Construction Farm Personal Particulars (Rs. mn) MSME Two Wheeler Gold Loan Total Vehicles Vehicles Equipment Equipment Loans Gross Stage 3 62,136.8 23,918.4 9,788.3 3,832.8 19,969.6 5,810.9 1,249.2 4,508.4 131,214.4 ECL provision-Sta
Slide 48: Commercial Vehicles
Commercial Vehicles Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25 Gross Stage 3 62,136.8 60,678.4 58,821.9 67,438.4 -7.86% 2.40% 57,071.3 ECL provision-Stage 3 28,485.6 27,083.7 24,627.3 35,412.0 -19.56% 5.18% 23,430.4 Net Stage 3 33,651.2 33,594.7 34,194.6 32,026.4 5.07%
Slide 49: Passenger Vehicles
Passenger Vehicles Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25 Gross Stage 3 23,918.4 22,791.6 23,055.9 25,931.4 -7.76% 4.94% 22,393.2 ECL provision-Stage 3 11,115.1 10,218.7 9,609.3 12,743.2 -12.78% 8.77% 9,123.3 Net Stage 3 12,803.3 12,572.9 13,446.6 13,188.2 -2.92% 1
Slide 50: Construction Equipments
Construction Equipments Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25 Gross Stage 3 9,788.3 10,291.1 9,691.5 11,580.8 -15.48% -4.89% 9,937.6 ECL provision-Stage 3 4,477.6 4,439.4 3,935.8 5,818.5 -23.05% 0.86% 3,971.7 Net Stage 3 5,310.7 5,851.7 5,755.7 5,762.3 -7.84% -9.2
Slide 51: Farm Equipments
Farm Equipments Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25 Gross Stage 3 3,832.8 4,178.5 4,392.7 4,102.9 -6.58% -8.27% 4,063.4 ECL provision-Stage 3 1,863.0 1,782.4 1,762.1 1,810.8 2.88% 4.52% 1,578.3 Net Stage 3 1,969.8 2,396.1 2,630.6 2,292.1 -14.06% -17.79% 2,485.1
Slide 52: MSME
MSME Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25 Gross Stage 3 19,969.6 18,582.3 15,854.6 16,241.6 22.95% 7.47% 15,104.9 ECL provision-Stage 3 11,620.1 10,281.1 8,549.4 9,408.9 23.50% 13.02% 7,996.5 Net Stage 3 8,349.5 8,301.2 7,305.2 6,832.7 22.20% 0.58% 7,108.4 Gross
Slide 53: Two Wheelers
Two Wheelers Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25 Gross Stage 3 5,810.9 5,111.8 5,014.8 4,867.9 19.37% 13.68% 4,809.2 ECL provision-Stage 3 3,274.1 2,737.9 2,853.9 2,314.5 41.46% 19.58% 2,672.3 Net Stage 3 2,536.8 2,373.9 2,160.9 2,553.4 -0.65% 6.86% 2,136.9 Gros
Slide 54: Gold
Gold Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25 Gross Stage 3 1,249.2 1,218.1 1,063.4 1,119.0 11.64% 2.55% 996.6 ECL provision-Stage 3 123.5 108.4 99.0 114.6 7.77% 13.88% 98.0 Net Stage 3 1,125.7 1,109.7 964.4 1,004.4 12.08% 1.44% 898.6 Gross Stage 3 (%) 2.21% 2.28% 2.
Slide 55: Personal Loans
Personal Loans Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25 Gross Stage 3 4,508.4 4,510.8 4,099.9 3,929.8 14.72% -0.05% 4,011.6 ECL provision-Stage 3 3,037.2 2,826.8 2,625.2 2,195.9 38.31% 7.44% 2,372.8 Net Stage 3 1,471.2 1,684.0 1,474.7 1,733.9 -15.15% -12.64% 1,638.8
Slide 56: 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 94 202 305 Assam - 11 20 31 Bihar 4 44 44 92 Chandigarh 3 - - 3 Chhattisgarh 5 17 47 69 Dadra and Nagar Haveli - 1 - 1 Delhi 18 2 - 20 Goa - 4 1 5 Guja
Slide 57: 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 - 14 42 56 Puducherry - 9 5 14 Punjab 10 36 29 75 Rajasthan 15 52 85 152 Sikkim - 1 2 3 Tamil Nadu 73 306 395 774 Telangana 4 92 134 230 Tripura - 4 1 5 U
Slide 58: Branch & AUM distribution – Q3 FY26 vs Q3 FY25
Branch & AUM distribution – Q3 FY26 vs Q3 FY25 Branch (Nos) AUM (Rs bn) Total AUM Total Branch 3,225 Rs 2,917.1 bn Total Branch 3,196 Total AUM Rs 2,544.7 bn Metro branches represents places where population is 10 lakh and above Urban branches represents places where population is in between 1 lakh
Slide 59: Shriram One App Summary
Shriram One App Summary Strategic Digital Metrics for Q3 FY26 Particulars Unit # Q3 FY26 Q2 FY26 Q3 FY25 App downloads - Cumulative in mn 20.50 19.00 10.70 App Net installs - Cumulative in mn 16.40 15.00 8.00 In-App modules – Cumulative count 168 165 149 Non Shriram Customers Installing the app - Cu
Slide 60: Financial Statement
Financial Statement 25 #TogetherWeSoar
Slide 61: P&L Statement
P&L Statement Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) 9M FY26 9M FY25 YoY (%) FY25 Interest income 120,747.9 118,252.0 114,631.4 106,031.4 13.88% 2.11% 353,631.3 301,289.2 17.37% 414,564.1 Interest expended 53,107.0 55,583.6 54,367.1 47,804.5 11.09% -4.46% 163,057.7 133,
Slide 62: Summarised Balance Sheet
Summarised Balance Sheet Particulars (Rs. mn) Dec-25 Sep-25 Jun-25 Dec-24 YoY(%) QoQ (%) Mar-25 I. Assets Financial Assets a) Cash and bank balances 162,323.3 101,482.0 256,904.4 219,065.5 -25.90% 59.95% 213,657.4 b) Loans 2,723,620.2 2,624,218.0 2,539,346.3 2,351,142.6 15.84% 3.79% 2,453,927.9 c) I
Slide 63: Key Metrics – Q3 & 9M FY26
Key Metrics – Q3 & 9M FY26 P&L Metrics (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) 9M FY26 9M FY25 YoY (%) FY25 Interest Income 120,747.9 118,252.0 114,631.4 106,031.4 13.88% 2.11% 353,631.3 301,289.2 17.37% 414,564.1 Less: Interest Expenses 53,107.0 55,583.6 54,367.1 47,804.5 11.09% -4
Slide 64: Key Metrics – Q3 & 9M FY26 (Contd.)
Key Metrics – Q3 & 9M FY26 (Contd.) Balance Sheet Metrics (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) 9M FY26 9M FY25 YoY (%) FY25 Networth 622,302.3 606,100.2 588,657.2 550,392.2 13.07% 2.67% 622,302.3 550,392.2 13.07% 567,085.3 Book Value (Rs.) 330.04 321.13 310.93 292.47 12.85% 2.77%
Slide 65: Borrowing Profile
Borrowing Profile 30 #TogetherWeSoar
Slide 66: Borrowing Profile
Borrowing Profile Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 Product Amt in bn % Amt in bn % Amt in bn % Amt in bn % Commercial Paper - - - - - - 12.9 0.58% Non-Convertible Debentures 401.0 15.9% 395.3 16.87% 396.1 16.31% 373.2 16.70% Public Deposit 678.7 27.0% 655.8 27.99% 630.3 25.95% 533.6 23.88% Securitisa
Slide 67: ALM Statement as on December 31, 2025
ALM Statement as on December 31, 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 91,304.8 38,685.5 93,545.6 255,297.6 318,875.9 1,
Slide 68: Shareholding
Shareholding 33 #TogetherWeSoar
Slide 69: Shareholding Pattern Dec 2025 vs Dec 2024
Shareholding Pattern as on December 31, 2025 vs December 31, 2024 No. of shares outstanding: 1881.4** mn No. of shares outstanding: 376.1 mn Details of Promoters/Promoter Group* Holding (%) Details of Promoters/Promoter Group* Holding (%) Shriram Capital Private Limited 17.84% Shriram Capital Privat
Slide 70: List of Key Shareholders as on December 31, 2025
List of Key Shareholders as on December 31, 2025 Current Key Shareholders Shareholding % (mn Shares) Promoter and Promoter Group Shriram Capital Private Limited 335.7 17.84 Shriram Value Services Limited 133.8 7.11 Shriram Ownership Trust 0.3 0.02 Sanlam Life Insurance Limited 7.8 0.41 Total Promote
Slide 71: Shriram Automall India Limited (SAMIL)
Shriram Automall India Limited (SAMIL) 36 #TogetherWeSoar
Slide 72: Business Overview
Business Overview Shriram Automall India Limited (SAMIL), an ISO 9001:2015 & Great Place To Work certified company, is India’s Largest Phygital Marketplace for Pre-owned Vehicles, Equipment, and other Assets. Founded in 2011, SAMIL pioneered India’s first professionally managed auction platform fo
Slide 73: Business Overview (Contd.)
Business Overview (Contd.) Revenue from operation earned Rs. 656.3 mn in Q3 FY26 as against Rs. 585.8 mn in Q3 FY25. Profit after Tax (PAT): Q3 FY26 Rs. 127.1 mn vs Q3 FY25 Rs. 75.8 mn; 9M FY26 Rs. 320.2 mn vs 9M FY25 Rs. 178.0 mn. SFL Share in Net Profit of SAMIL: Q3 FY26 Rs. 56.7 mn vs Q3 FY25 Rs.
Slide 74: Shriram Overseas Investment Limited (SOIL)
Shriram Overseas Investment Limited (SOIL) 39 #TogetherWeSoar
Slide 75: 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 76: Contact Us
Contact Us 41 #TogetherWeSoar
Slide 77: 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 78: Thank You
THANK YOU 43 #TogetherWeSoar