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Shriram Finance Ltd. engages in the provision of financial services. The company is headquartered in Mumbai, Maharashtra and currently employs 64,052 full-time employees. The firm is primarily engaged in the business of financing commercial vehicles, passenger vehicles, construction equipment, farm equipment, micro, small and medium enterprises, two-wheelers, gold and personal loans. The company offers fixed deposits and recurring deposits. The firm's subsidiaries include Shriram Housing Finance Limited (SHFL) and Shriram Automall India Limited (SAMIL).
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“Banking franchise in NBFC — Lending & Credit.”
Net Interest Income of ₹46,658 Cr on total income of ₹46,718 Cr.
Cost-to-income ratio at 14.4%. Provision coverage at 0.0% of income.
“net interest margins will be maintained at the current level if not slightly improving it And the great quality improving the great cost also should come down.”
“we believe that the rates will come down by around 100 basis points over a period of two years.”
“I do expect a little higher growth compared to the present growth where our AUM growth was 15.74. It may be another, 2% additional growth we can get for the next half of the year”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 15.2%▲ | 2.8% |
| ROCE | 13.9%▲ | 4.2% |
| Net Margin | 21.5%▲ | 11.9% |
| EBITDA Margin | 73.7%▲ | 29.0% |
| Debt To Equity | 3.80x▲ | 0.09x |
| Rev Growth 3yr | 16.5%▲ | 12.2% |
| EPS Growth 3yr | 18.4%▲ | 12.6% |
| Cost To Income | 14.4%▼ | 36.9% |
| Credit Deposit Ratio | 0.00x | - |
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| ₹49,997 Cr +19.5% | ₹41,834 Cr +15.0% | ₹36,380 Cr +19.4% | ₹30,477 Cr +58.3% | ₹19,255 Cr +10.5% | ₹17,420 Cr +5.2% | ₹16,562 Cr +6.7% | ₹15,522 Cr | |
| ₹72 Cr +187.0% | ₹25 Cr -25.2% | ₹33 Cr +5.9% | ₹32 Cr +65.8% | ₹19 Cr +19.5% | ₹16 Cr -21.3% | ₹20 Cr -12.9% | ₹23 Cr | |
| Total Income | ₹50,069 Cr +19.6% | ₹41,859 Cr +15.0% | ₹36,413 Cr +19.4% | ₹30,508 Cr +58.3% | ₹19,274 Cr +10.5% | ₹17,436 Cr +5.1% | ₹16,583 Cr +6.7% | ₹15,546 Cr |
| ₹35,049 Cr +13.4% | ₹30,910 Cr +16.9% | ₹26,453 Cr +18.7% | ₹22,295 Cr +41.8% | ₹15,725 Cr +11.1% | ₹14,158 Cr +7.7% | ₹13,144 Cr +11.7% | ₹11,767 Cr | |
| Profit Before Tax | ₹15,020 Cr +20.1% | ₹12,503 Cr +25.5% | ₹9,960 Cr +21.3% | ₹8,214 Cr +131.4% | ₹3,549 Cr +8.3% | ₹3,278 Cr -4.7% | ₹3,439 Cr -9.0% | ₹3,778 Cr |
| Exceptional Items | ₹0.00 Cr -100.0% | ₹1,554 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| ₹3,723 Cr +20.9% | ₹3,080 Cr +19.9% | ₹2,569 Cr +16.7% | ₹2,202 Cr +161.8% | ₹841 Cr +6.4% | ₹791 Cr -15.6% | ₹937 Cr -22.8% | ₹1,214 Cr | |
| Net Profit | ₹11,318 Cr +18.2% | ₹9,576 Cr +29.4% | ₹7,399 Cr +22.9% | ₹6,020 Cr +121.2% | ₹2,721 Cr +8.9% | ₹2,499 Cr -0.5% | ₹2,512 Cr -2.5% | ₹2,576 Cr |
| Profit (Owners) | ₹11,318 Cr +18.5% | ₹9,554 Cr +29.7% | ₹7,366 Cr +22.5% | ₹6,011 Cr +120.9% | ₹2,721 Cr +8.9% | ₹2,499 Cr -0.5% | ₹2,512 Cr -2.5% | ₹2,576 Cr |
| Minority Interest | ₹0.00 Cr -100.0% | ₹23 Cr -30.8% | ₹33 Cr +261.6% | ₹9 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Other Comprehensive Income | ₹745 Cr ↑ Recovery | (₹201 Cr) -128.2% | (₹88 Cr) -233.2% | (₹26 Cr) +78.4% | (₹123 Cr) -32.3% | (₹93 Cr) | (₹4 Cr) -86.3% | (₹2 Cr) |
| EPS | ₹60.16 | ₹50.81 | ₹39.20 | ₹32.11 | ₹20.12 | ₹19.75 | ₹19.86 | ₹20.36 |
| Diluted Shares | ₹188 Cr | ₹188 Cr | ₹188 Cr | ₹187 Cr | ₹135 Cr | ₹127 Cr | ₹127 Cr | ₹127 Cr |
| Fees And Commission | ₹572 Cr -0.0% | ₹572 Cr +29.7% | ₹441 Cr +40.9% | ₹313 Cr +241.5% | ₹92 Cr +16.3% | ₹79 Cr +38.7% | ₹57 Cr -8.5% | ₹62 Cr |
| Fees And Commission Income | ₹522 Cr -23.5% | ₹682 Cr +25.8% | ₹542 Cr +103.4% | ₹267 Cr +166.4% | ₹100 Cr -13.6% | ₹116 Cr -40.6% | ₹195 Cr +173.5% | ₹71 Cr |
| Profit Or Loss Of Associates | ₹22 Cr +77.3% | ₹12 Cr +58.2% | ₹8 Cr -9.1% | ₹9 Cr -35.0% | ₹13 Cr +13.8% | ₹12 Cr +10.9% | ₹10 Cr -10.8% | ₹12 Cr |
| Impairment On Financial Instruments | ₹5,517 Cr +3.9% | ₹5,312 Cr +16.7% | ₹4,552 Cr +9.2% | ₹4,169 Cr +8.0% | ₹3,861 Cr +23.8% | ₹3,118 Cr +11.6% | ₹2,795 Cr +17.3% | ₹2,382 Cr |
| Profit Loss From Discontinued Operations After Tax | (₹0.50 Cr) ↓ Decline | ₹141 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Net Gain On Amortised Derecognition | ₹0.00 Cr -100.0% | ₹133 Cr -73.7% | ₹505 Cr +80.6% | ₹280 Cr +28.4% | ₹218 Cr +270.0% | ₹59 Cr | ₹0.00 Cr | ₹0.00 Cr |
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Shriram Finance Limited has informed the Exchange about Revision in ESG Rating by ICRA ESG Ratings Limited
Shriram Finance Limited has informed the Exchange about Transcript
Monitoring Agency Report issued by CRISIL Ratings Limited for the quarter ended June 30, 2026.
Shriram Finance Limited has informed the Exchange regarding 'Intimation of Committee meeting for raising fund - August 01, 2026 to October 31, 2026'.
Shriram Finance Limited has informed the Exchange about statement of deviation(s) or variation(s) under Reg. 32
Shriram Finance Limited has informed the Exchange about Investor Presentation
Shriram Finance Limited has informed the Exchange regarding a press release dated July 24, 2026, titled "Financial Results - June quarter 2026".
Shriram Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
Shriram Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Shriram Finance Limited has informed the Exchange about Schedule of meet
Shriram Finance Limited has informed the Exchange about the payment of Final Dividend for F.Y. 2025-26 on Tuesday, July 21, 2026
Shriram Finance Limited has informed the Exchange about Schedule of meet
Shriram Finance Limited has informed the Exchange regarding Proceedings of 47th Annual General Meeting held on July 10, 2026 through VC/OAVM at Registered office of the Company (Deemed venue) - Sri To...
Shriram Finance Limited has informed the Exchange regarding Allotment of 33,311 Equity Shares on exercise of Fresh Stock Option under SFL ESOS 2023 (No. 1)
Shriram Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015