Shriram Finance Limited — PPTs, 25-07-2025: Investor Presentation

Here's a summary of Shriram Finance's latest financial update:

**1. Financial Highlights:**

Shriram Finance's Q1 consolidated profit after tax rose 6.3% to Rs 2,159 Cr, with total income up 20.1% at Rs 11,542 Cr. AUM expanded 16.6% YoY to Rs 2,72,249 Cr. Asset quality improved, with Gross Stage 3 and Net Stage 3 asset ratios declining. Capital Adequacy remains strong at 20.79%.

**2. Strategic Initiatives & Growth Drivers:**

The company approved a resource mobilization plan for debt securities for Aug-Oct 2025. AUM growth was broad-based, with strong surges in Farm Equipment, MSME, and Passenger Vehicles. Digital engagement via the Shriram One App is expanding.

**3. Business Developments:**

Shriram Finance acquired Shriram Overseas Investments Limited (Rs 50.12 Cr), making it a wholly-owned subsidiary. The company also added Rs 466.04 Cr in loan accounts through assignments.

**4. Market Position & Competitive Advantage:**

The company maintains leadership in retail asset financing, particularly pre-owned commercial vehicle and two-wheeler segments. Its extensive 3,225-branch pan-India network serving 9.7 million customers provides significant scale advantage.

**5. Investor Implications:**

Robust AUM growth and improving asset quality ratios indicate positive growth potential. Margins (NIM) dipped slightly, and Cost-to-Income ratio rose, warranting monitoring. Strong capital adequacy and high liquidity provide a solid financial buffer.