Shriram Finance Limited — PPTs, 31-10-2025: Investor Presentation

Shriram Finance has reported strong financial results for the quarter and half-year.

**Business Performance:** The company's Assets Under Management (AUM) grew by 15.74% year-over-year (YoY) to ₹281,309.46 Crore. Net Interest Income increased by 11.77% YoY to ₹6,266.84 Crore for the quarter, and Profit After Tax (PAT) rose 11.39% YoY to ₹2,307.18 Crore. Growth was strong in Farm Equipment (38.37% YoY), Personal Loans (27.48% YoY), and MSME (25.81% YoY). Gross Stage 3 Assets improved slightly by 0.22% YoY, and the Net Stage 3 Ratio improved to 2.49% from 2.64% YoY.

**Growth Drivers or Strategy:** The company plans to boost its resources by issuing debt securities, including non-convertible debentures (NCDs) and subordinated debentures. A postal ballot is approved for renewing the limit to issue debentures up to ₹35,000 Crore. Digital initiatives via the "Shriram One App" are expanding, with 19 million cumulative downloads and 5.8 million UPI handles.

**Recent Developments:** An interim dividend of ₹4.80 per share (240%) has been declared. The company also invested ₹300.01 Crore in its wholly-owned subsidiary, Shriram Overseas Investments Limited (SOIL), which in turn plans to sell its 81.63% stake in Bharath Investments Pte. Ltd. Singapore within 6-12 months.

**Key Financial Metrics:** Total income for the quarter surged 18.03% YoY. Basic Earnings Per Share (EPS) for the quarter was ₹12.27, an 11.34% increase YoY. The Capital Adequacy Ratio stands strong at 20.68%, and Liquidity Coverage Ratio is robust at 297.21%.

**Management Commentary / Outlook:** Shriram Finance reinforces its position as a holistic finance provider, leveraging its strong capabilities in loan origination, asset valuation, and collections. The company serves over 9.66 million customers through its extensive pan-India network of 3,225 branches.