)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Shriram Finance
Shriram Finance (SHRIRAMFIN) investor relations material
Shriram Finance Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary23 Oct, 2026
Executive summary
Q2 FY27 disbursements were ₹54,079.02 crore, up 25.71% YoY; AUM reached ₹329,021.72 crore, up 16.96%, and standalone PAT rose 59.37% to ₹3,677.03 crore.
Consolidated Q2 PAT was ₹3,683.81 crore versus ₹2,314.16 crore YoY; basic EPS was ₹15.66 versus ₹12.30.
FY27 AUM growth guidance was moderated to 15%-17% from an initial 18%, amid caution in drought-affected areas; long-term credit-cost guidance remained 2%.
Financial highlights
Q2 total income was ₹13,798.91 crore, up 15.79% YoY; NII rose 38.20% to ₹8,661.04 crore.
Q2 standalone PAT was ₹3,677.03 crore versus ₹2,314.16 crore YoY; EPS was ₹15.63 versus ₹12.27.
H1 total income was ₹27,211.02 crore, NII ₹16,716.74 crore and PAT ₹7,121.59 crore, up 16.00%, 35.98% and 59.57%, respectively.
H1 EPS was ₹30.46, up 28.36% YoY; loan losses and provisions were ₹3,340.66 crore, up 27.55%.
Outlook and guidance
FY27 AUM growth expected at 15%-17%, with cautious lending in drought-prone areas; demand remained healthy overall.
Long-term credit-cost guidance remained 2%; temporary increases of 30-40 bps may last one or two quarters before normalization.
NIM expected near current levels for one or two quarters, then trend toward ~9% medium term and ~8.5% long term, depending on rates and portfolio mix.
Medium- to long-term cost-to-income guidance was ~25%; technology investment may affect operating expenses.
Stronger second-half performance expected during the seasonally busy period, despite weak monsoon and West Asia-related headwinds.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Shriram Finance
- Merger-led scale lifted AUM to ₹185,683 crore as asset quality improved.SHRIRAMFIN
Q4 22/23 - AUM grew and collections recovered, but COVID provisions restrained FY21 earnings.SHRIRAMFINQ4 20/21
- FY22 earnings grew with AUM, while credit costs and merger execution remain pivotal.SHRIRAMFINQ4 21/22
- AUM crossed ₹1 lakh crore as FY19 PAT reached ₹2,564 crore.SHRIRAMFINQ4 18/19
- Higher COVID-era credit costs cut FY20 profit despite AUM growth and strong capital.SHRIRAMFINQ4 19/20
- Higher provisioning pressured standalone earnings as AUM reached ₹72,760.60 crore.SHRIRAMFINQ4 15/16
- AUM and earnings grew as tighter NPA rules lifted provisions and a stake sale boosted reported profit.SHRIRAMFINQ4 17/18
- AUM expanded, but higher provisions and write-offs reduced FY15 profit.SHRIRAMFINQ4 14/15
- Profit and AUM rose despite a sharp contraction in M&HCV demand.SHRIRAMFINQ4 12/13
Next Shriram Finance earnings date
Q3 26/2722 Jan, 2027
Shriram Finance
Next Shriram Finance earnings date
Q3 26/2722 Jan, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
Frequently asked questions
Shriram Finance Limited is a non-banking financial company providing a range of financial services, including commercial vehicle financing, personal loans, business loans, and gold loans. It serves individuals and small to medium enterprises primarily across semi-urban and rural India. The company is headquartered in Mumbai, India, and its shares are listed on the NSE.