Shriram Finance Limited — Investor Meet, 28-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Shriram Finance reported solid Q3 FY26. Disbursements +14.17% YoY to 48,645 Cr, AUM +14.63% YoY to 291,709.03 Cr. NII up 16.17% to 6,764.09 Cr. PAT (ex-one-time gain of 1,489.39 Cr) surged 21.21% to 2,521.67 Cr. NIM at 8.58%. Asset quality improved: Gross Stage 3 4.54%, Net Stage 3 2.38%.

Management confident on economic outlook & rural demand. Capital infusion targets retaining quality customers, growing MSME (larger secured loans, 0.10-0.12 Cr), and vehicle finance (strong LCV/SCV, cautious HCV). Expects lower borrowing costs to stabilize NIMs at 8.5-9%. Positive sentiment for Q4 growth and improving asset quality.