Shriram Finance has uploaded the audio recording of its earnings conference call for the first quarter of fiscal year 2026-2027 (Q1 FY27) on its official website. The recording provides investors with direct access to management’s commentary on the company’s recent financial results and operational updates.

The conference call took place on Friday, July 24, 2026, at 7 pm. This disclosure follows the company’s earlier intimation dated July 15, 2026, regarding the scheduled event. The audio file is accessible via a direct link on the Shriram Finance Limited website, ensuring transparency and ease of access for stakeholders reviewing the quarterly performance.

Earnings Call Details

Regulatory Compliance and Disclosure

The notification was issued under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The communication was addressed to both BSE Limited and the National Stock Exchange of India Limited, listing departments. U Balasundarao, Company Secretary & Chief Compliance Officer of Shriram Finance Limited, digitally signed the disclosure on July 24, 2026.

Investors are advised that while the audio recording is immediately available, the written transcript of the proceedings will be published at a later date. The company’s corporate office remains located in Mumbai, with its registered office in Chennai.

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, surpassing analyst estimates of ₹3,065 crore. The growth was primarily fueled by a 33.67% surge in net interest income (NII), which stood at ₹8,055.70 crore compared to ₹6,026.43 crore in the corresponding period of the previous year. This performance underscores the company's ability to leverage its expanded capital base, following a significant equity infusion from MUFG Bank Ltd., while maintaining disciplined asset quality and cost efficiency. The Board of Directors, meeting on July 24, 2026, approved the unaudited standalone and consolidated financial results prepared under Ind AS 34 and 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. The security cover for secured non-convertible debentures stood at 1.09 times as of June 30, 2026.

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%, reflecting 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.

Source: https://lodr-files.dhan.co/lodr-inputs/Company/INE721A01047/076a2ed314194d24.pdf