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Shriram Finance
Shriram Finance (SHRIRAMFIN) investor relations material
Shriram Finance Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary23 Jan, 2026
Executive summary
Q3 FY26 saw strong growth in disbursements, AUM, and profitability, supported by robust economic indicators and controlled inflation in India.
Net Interest Income for Q3 FY26 rose 16.17% YoY to ₹6,764.09 crore; PAT (excluding one-time gain) up 21.21% YoY to ₹2,521.67 crore.
Vehicle finance, especially in rural and suburban areas, continued to drive business momentum, with significant growth in commercial vehicles, passenger vehicles, two-wheelers, and tractors.
Raised INR 396,179.8 mn via preferential issue to MUFG Bank Ltd, pending regulatory approval; MUFG to become a minority public shareholder upon completion.
Multiple credit rating upgrades from CARE, CRISIL, ICRA, S&P, Moody's, and Fitch during the quarter.
Financial highlights
Disbursement growth of 14.17% YoY, reaching INR 48,645 crores in Q3 FY26; AUM grew 14.63% YoY to INR 291,709 crores.
Net interest income up 16.17% YoY to INR 6,764 crores; net interest margin at 8.58%.
PAT (excluding exceptional items) up 21.21% YoY to INR 2,521.67 crores; EPS for the quarter was Rs 13.40.
Book value per share up 12.85% YoY to Rs 330.04.
9M FY26 total income up 17.27% YoY to Rs 356,500.7 mn; PAT (excl. exceptional items) up 13.90% YoY to Rs 69,845.8 mn.
Outlook and guidance
Management expects continued strong growth in vehicle finance and MSME, with plans to increase ticket size and expand secured lending.
Net interest margins are expected to remain stable or improve slightly, with guidance of 8.5%-9%.
ROE and ROA are projected to improve as funding costs decline and credit quality strengthens.
Board approved resource mobilisation plan for debt securities issuance from Feb 1 to Apr 30, 2026.
Company continues to monitor regulatory changes and will adjust accounting as needed for new labour laws.
Update on MUFG Bank preferential issue approvals
New Labour Codes: Future impact on employee costs?
Details of planned debt securities issuance Feb-Apr 2026
MSME: How will secured lending increase ticket size?
How will NIM be maintained despite lower funding costs?
Any specific asset quality risks in key segments?
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Next Shriram Finance earnings date
Q4 25/2624 Apr, 2026
Shriram Finance
Next Shriram Finance earnings date
Q4 25/2624 Apr, 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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