Shriram Finance will host a group meeting with institutional investors, analysts, and brokers on August 12, 2026, as part of the Emkay Confluence 2026 India: Full Throttle Ahead event. The session, scheduled from 2:00 PM to 3:00 PM IST in Mumbai, will feature senior management personnel discussing the company’s performance based on the latest investor presentation and public domain disclosures.

The disclosure was made pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, read with Schedule III thereto. The filing was submitted to both BSE Limited and the National Stock Exchange of India Limited on August 7, 2026.

Participating Institutions

The group meeting will include participation from a diverse range of financial institutions, including mutual fund houses, insurance companies, asset managers, and alternative investment funds. The full list of confirmed participants is detailed below.

Meeting Details

The discussion will be conducted in a group format, allowing multiple stakeholders to engage with management simultaneously. The company has confirmed that the content of the discussion will be strictly limited to information available in the public domain and the official investor presentation. No new material non-public information will be disclosed during the session.

The corporate office of Shriram Finance Limited is located at Wockhardt Towers, Bandra-Kurla Complex, Mumbai, while its registered office remains in Chennai. The company secretary and chief compliance officer, U Balasundararao Uppu, authorized the disclosure.

Shriram Finance reported a robust start to FY27, with standalone net profit after tax (PAT) rising 59.79% year-on-year to ₹3,444.56 crore for the quarter ended June 30, 2026. This significant growth, which surpassed analyst estimates of ₹3,065 crore, was primarily fueled by a 33.67% surge in net interest income (NII) to ₹8,055.70 crore. The strong performance underscores the company’s ability to leverage its expanded capital base following a major equity infusion from MUFG Bank Ltd., while maintaining disciplined asset quality. For shareholders, the result signals continued operational efficiency and profitability expansion in the first quarter.

The Board of Directors, meeting on July 24, 2026, approved the unaudited standalone and consolidated financial results prepared under Ind AS 34. These results were reviewed by joint statutory auditors M M Nissim & Co LLP and G. D. Apte & Co. The Board also approved a periodical resource mobilization plan for issuing debt securities, including redeemable non-convertible debentures (NCDs) and subordinated debentures, between August 1, 2026, and October 31, 2026. Additionally, the company confirmed compliance with Regulation 32 of the SEBI Listing Regulations, stating there was no deviation in the utilization of proceeds from its ₹39,617.98 crore preferential issue to MUFG Bank Ltd.

Financial Performance Highlights

Shriram Finance's revenue from operations increased to ₹13,393.68 crore in Q1FY27, up from ₹11,535.63 crore in Q1FY26. Interest income, the primary revenue driver, rose to ₹12,909.97 crore from ₹11,173.22 crore. Total expenses were contained at ₹8,790.00 crore, resulting in an improved net profit margin of 25.68%, compared to 18.68% in the prior year quarter. Earnings per share (basic) jumped 29.41% to ₹14.83 from ₹11.46. The following table summarizes the key financial metrics for the quarter:

Asset Quality and Capital Position

Assets under management (AUM) grew by 15.26% in Q1FY27 to ₹313,798.39 crore, tracking within the company's FY27 guidance range of 15–18%. This reflects strong loan book expansion across key segments including commercial vehicles, MSME, and two-wheelers. The company maintained a robust capital adequacy ratio (CRAR) of 34.17%, well above regulatory requirements. On asset quality, the Gross NPA (GNPA) ratio stood at 4.64% in Q1FY27, compared to 4.58% in the previous quarter (QoQ), while the Net NPA (NNPA) ratio remained stable at 2.33% QoQ. The debt-equity ratio improved significantly to 2.14 times from 4.15 times in the previous year, aided by the equity raise. The provision coverage ratio stood at 50.34%, indicating prudent risk management.

What the Numbers Show

The disproportionate growth in PAT (59.79%) relative to revenue growth (15.99%) highlights operational leverage and improved cost-to-income ratios. The cost-to-income ratio declined to 25.48% from 29.29% in Q1FY26, demonstrating enhanced efficiency. The AUM growth of 15.26% aligns with the company's stated FY27 guidance of 15–18%, reflecting steady business momentum. Furthermore, the substantial reduction in the debt-equity ratio signals a strengthened balance sheet, providing Shriram Finance with greater flexibility for future lending activities and resilience against interest rate fluctuations. The net worth increased by 83.97% YoY to ₹108,297.48 crore, driven by the MUFG investment.

Management Commentary and Outlook

During the earnings call held on July 24, 2026, Executive Vice Chairman Umesh Revankar and Managing Director Parag Sharma highlighted that disbursements grew 19.51% YoY to ₹49,974.49 crore. The company maintained its full-year AUM growth guidance of 18%, though Revankar noted caution regarding the impact of El Niño and uneven monsoon rains on rural income. He stated that the company would wait for Q2 data before revising guidance but remains confident of growing more than 15% in the next quarter.

Regarding margins, Revankar indicated that the current Net Interest Margin (NIM) of 9.04% would hold for the immediate two quarters due to capital utilization. However, he guided that NIMs would settle around 8.5% in the medium term (2–3 years) as the mix shifts towards new vehicle financing, which currently constitutes 16% of disbursements. The incremental cost of funds stood at 7.77%, with overall liability costs reducing by 3 basis points to 8.56%.

The company also outlined strategic expansions in non-vehicle portfolios. The gold loan portfolio is expected to double over three years, rising from 2.5% to 5% of the total book, supported by readiness across 2,200 branches. Similarly, the MSME portfolio is targeted to grow from 15% to 20% of the book as the company expands beyond its traditional southern stronghold into western, northern, and eastern markets. Personal loans will also be extended to existing gold and MSME customers, avoiding aggressive outsourcing strategies.

Source: https://lodr-files.dhan.co/lodr-inputs/Company/INE721A01047/4c4bb798d7734a72.pdf