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Shriram Finance (SHRIRAMFIN) investor relations material
Shriram Finance Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary31 Oct, 2025
Executive summary
Q2 FY26 delivered strong business performance with total income up 18.03% YoY to Rs 119,167.3 mn, net interest income up 11.77% YoY, and PAT up 11.39% YoY to Rs 2,307.18 crore; EPS rose 11.34% YoY to Rs 12.27.
AUM grew 15.74% YoY to Rs 2,813,094.6 mn, with robust disbursement and improved profitability.
Macroeconomic environment was favorable, with GDP growth, low inflation, and rising GST collections supporting credit demand.
Interim dividend of Rs 4.80 per share (240%) declared, record date November 7, 2025.
Share split from Rs 10 to Rs 2 face value per share effective January 2025.
Financial highlights
Disbursements grew 10.24% YoY to Rs 49,019.17 crore; AUM rose 15.74% YoY to Rs 2,813,094.6 mn.
Net interest income increased 11.77% YoY to Rs 6,266.84 crore; NIM was 8.19% (down YoY, up QoQ).
PAT for Q2 FY26 was Rs 2,307.18 crore; EPS was Rs 12.27.
Gross Stage 3 assets at 4.57% of AUM; Net Stage 3 at 2.49%; coverage ratio 46.70%.
Cost-to-income ratio at 27.76%; ROA at 2.89%; ROE at 15.40%; CRAR at 20.68%.
Outlook and guidance
Net interest margin expected to reach 8.5% by Q4 FY26, with full-year average between 8.25%-8.3%.
AUM growth for H2 expected to be 2% higher than H1, with strong October demand and positive rural trends.
No material impact on NIMs anticipated from business mix changes; focus remains on margin protection.
Forward-looking statements caution that actual results may differ due to risks and uncertainties, including strategy execution and policy changes.
Board approved resource mobilisation plan including issuance of debt securities up to Rs 35,000 crore.
Rationale for Rs 35,000 Cr debt issuance?
Why did Net Stage 3 Assets increase YoY?
What is the strategy for subsidiary portfolio?
NIM drivers for Q4 FY26 target of 8.5%?
Used vehicle price outlook post-GST rate cut?
MSME portfolio stress management strategy?
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Next Shriram Finance earnings date
Q3 25/2623 Jan, 2026
Next Shriram Finance earnings date
Q3 25/2623 Jan, 2026
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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.
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