Shriram Finance Q1 FY26 Net Profit Rises 8.8% YoY to ₹2,155.73 Crore; AUM Jumps 16.6% to ₹2.72 Lakh Crore

Mumbai, July 25, 2025 – Shriram Finance Ltd (NSE: SHRIRAMFIN | BSE: 511218) reported strong financial results for Q1 FY26 with an 8.84% YoY increase in standalone net profit to ₹2,155.73 crore, up from ₹1,980.59 crore in Q1 FY25. The company also posted a 16.62% YoY surge in Assets Under Management (AUM), reaching ₹2,72,249 crore as of June 30, 2025.

Key Standalone Financial Highlights

• Interest income rose to ₹11,173.22 crore, showing a 19.31% year-on-year growth and a 3.55% increase over the previous quarter.
• Fee and commission income dipped slightly to ₹99.63 crore, down 3.98% YoY and sharply lower by 69.87% QoQ.
• Other operating income stood at ₹128.12 crore, marking a 34.65% rise YoY, but falling 38.76% from Q4 FY25.
• Total income increased to ₹11,541.76 crore, up 20.11% YoY and 0.71% QoQ.
• Total expenses came in at ₹8,635.03 crore, rising 24.36% YoY, while slightly declining 0.61% QoQ.
• Profit before tax (PBT) reached ₹2,906.73 crore, up 9.01% YoY and 4.86% QoQ.
• Profit after tax (PAT) stood at ₹2,155.73 crore, registering an 8.84% YoY growth and 0.76% QoQ rise.
• Earnings Per Share (EPS) improved to ₹11.46, compared to ₹10.54 last year and ₹11.38 in the previous quarter, showing an 8.73% YoY and 0.70% QoQ increase.

Segment-Wise AUM Performance

The company reported sequential and annual growth across most product segments:

• The company’s total Assets Under Management (AUM) grew to ₹2,72,249 crore, up 16.62% year-on-year and 3.44% quarter-on-quarter.
• Commercial Vehicle AUM rose to ₹1,23,131.9 crore, reflecting a 12.27% YoY and 3.86% QoQ increase.
• Passenger Vehicle AUM stood at ₹56,634.8 crore, marking a 23.17% YoY and 4.68% QoQ growth.
• MSME Loans AUM grew strongly by 34.80% YoY and 3.77% QoQ, reaching ₹38,824.3 crore.
• Two-Wheeler Loans AUM increased to ₹15,856.3 crore, up 22.83% YoY and 1.77% QoQ.
• Farm Equipment Loans AUM jumped to ₹5,827.5 crore, showing the highest YoY growth at 46.34%, and a healthy 11.92% QoQ rise.
• Personal Loans AUM stood at ₹10,284.9 crore, up 15.24% YoY and 7.03% QoQ.
• Construction Equipment Loans AUM declined by 2.97% YoY and 7.51% QoQ, down to ₹16,535.4 crore.
• Gold Loans AUM also dropped 15.82% YoY, but saw a 6.56% QoQ recovery, ending at ₹5,154.1 crore.

 Additional Corporate Highlights

• EPS (Basic): ₹11.46 (up from ₹10.54 in Q1 FY25).
• Share Capital: ₹376.13 crore (face value ₹2/share).
• No Exceptional Items were reported in Q1 FY26.
• Final Dividend of ₹3/share for FY25 has been approved.

Management Commentary

S. S. Chakrabrarti, Managing Director & CEO, said: “Our performance in Q1 FY26 is reflective of robust demand across retail and SME segments. The strong momentum in vehicle and MSME financing, supported by risk-calibrated growth and a strong liability franchise, continues to drive profitability.”

Shriram Finance Stock Performance

Shriram Finance shares closed at ₹610.50, which is a 3.64% gain on July 25, 2025. Shriram Finance has witnessed a 13.94% gain in the last year, 4.59% in the year-to-date, and dipped 9.5% in the previous month.

The stock opened at ₹625.00 and touched an intraday high of ₹629.95 and a low of ₹601.70. The company’s market capitalisation stands at ₹1.16 lakh crore. The stock’s 52-week high is ₹730.45, while the 52-week low is ₹493.35.

About Shriram Finance

Shriram Finance Limited is India’s largest retail NBFC with a diversified product portfolio including commercial vehicle finance, MSME loans, two-wheeler loans, gold loans, and personal loans. It serves over 97.19 lakh customers through 3,225 branches with a workforce of 79,186 employees.

The company is listed on NSE and BSE. It reported an AUM of ₹2.72 lakh crore as of June 30, 2025. Founded in 1979, Shriram Finance has a 47-year track record in serving India’s underserved transport and small business ecosystem.

REF:https://www.bseindia.com/xml-data/corpfiling/AttachLive/a1ce8f6c-6edb-4112-b3ed-f8cbf1161e1c.pdf

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