Shriram Finance cuts emission intensity 13% in FY26
Shriram Finance Limited reported a 13% reduction in Scope 1 and 2 emission intensity and a 10% reduction in energy intensity per rupee of turnover in FY26. The Green Finance portfolio exceeded ₹1,400 crores, supported by electric vehicle and solar financing. The company serves over 9.73 million customers, with 51% in rural and semi-urban areas, and reported a permanent workforce of 76,241. Customer complaints rose to 81,159, with 954 pending, and the company received an RBI penalty of ₹2,70,000 for digital lending non-compliance.

*this image is generated using AI for illustrative purposes only.
Shriram Finance Limited achieved a 13% reduction in Scope 1 and Scope 2 emission intensity per rupee of turnover during FY26, alongside an approximate 10% reduction in energy intensity per rupee of turnover compared to the previous financial year. The company's Green Finance portfolio reached over ₹1,400 crores as of March 31, 2026, driven by financing for electric vehicles, rooftop solar systems, and other green assets.
The company strengthened its environmental performance through enhanced Greenhouse Gas (GHG) emissions assessment, including Scope 3 financed emissions covering over 80% of its lending portfolio. Accelerated digitisation across operations resulted in reduced paper consumption through increased adoption of electronic documentation and paperless processes. The company also initiated the development of a Climate Risk Policy to integrate climate considerations into lending practices.
Operational and Social Performance
The company serves over 9.73 million customers, with more than 51% of its customer base located in rural and semi-urban regions. Its Corporate Social Responsibility (CSR) initiatives collectively impacted more than 3.90 lakh beneficiaries, supporting over 2.85 lakh individuals across rural and underserved communities and empowering 1,807 women. The company provided scholarships to more than 4,96,000 underprivileged children and established mobile medical units across 15 locations in 11 states, benefitting over 16.25 lakh members of the trucking community.
Employee Metrics and Governance
The company reported a total workforce of 76,241 permanent employees. Women represented 37% of employees in business support roles and 44% in corporate functions. The Board of Directors comprised 10 members, with female representation at 10%. The company recorded a total turnover rate for permanent employees of 31.17% for FY26, compared to 30.86% in the previous year. The higher turnover rate is primarily attributable to employees transitioning out of the organisation within their first year of employment.
Financial and Grievance Data
The company's paid-up capital stood at ₹3,76,31,30,742. It reported a turnover of ₹4,81,77,97,71,445.59 and a net worth of ₹6,52,44,09,43,485.29. The company received 81,159 customer complaints during FY26, of which 954 were pending resolution at the close of the year. This increase was primarily driven by a surge in complaints received through emails and credit bureau portals. The company received a penalty of ₹2,70,000 from the Reserve Bank of India for non-compliance with certain provisions of the RBI (Digital Lending) Directions, 2025.
| Metric | FY 2025-26 | FY 2024-25 |
|---|---|---|
| Energy Intensity (per rupee of turnover) | 0.0000002673 | 0.0000002986 |
| Scope 1 & 2 Emission Intensity (per rupee of turnover) | 0.0000000520 | 0.0000000595 |
| Total Energy Consumed (GJ) | 1,28,771.17 | 1,24,987.86 |
| Total Scope 1 Emissions (MTCO2e) | 319.79 | 261.29 |
| Total Scope 2 Emissions (MTCO2e) | 24,713.37 | 24,663.04 |
| Total Scope 3 Emissions (MTCO2e) | 2,27,61,119.00 | 2,03,84,358.75 |
| Total Water Consumption (KL) | 10,29,253.50 | 10,78,272.00 |
| Total Waste Generated (MT) | 296.21 | 614.11 |
Historical Stock Returns for Shriram Finance
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| -0.08% | +13.05% | +7.30% | +15.23% | +51.32% | +263.01% |
How will the implementation of the upcoming Climate Risk Policy impact the company's lending criteria and portfolio composition over the next few years?
What specific strategies is the company deploying to address the high turnover rate among first-year employees to stabilize its workforce?
With the significant increase in customer complaints via digital channels, what technological upgrades are planned to improve grievance redressal efficiency?


































