Summary of Key Information:

Reporting Period (Quarter/Year): Quarter and Half-Year ended September 30, 2026

Nature of Filing / Announcement: Outcome of Board Meeting under Regulation 30, 32, 33, 42, 51, 52, 54 of SEBI Listing Regulations

Audit Opinion:

Clean/Unqualified review opinion issued by Joint Statutory Auditors M M NISSIM & CO LLP and G. D. Apte & Co.

Key Financial Highlights [₹ in crores]:

Standalone Results:

Quarter ended September 30, 2026:

  • Revenue from Operations: ₹13,789.42 (Q2 FY26: ₹11,907.79, +15.79% YoY)
  • Total Income: ₹13,798.91 (Q2 FY26: ₹11,916.73, +15.79% YoY)
  • Net Profit: ₹3,677.03 (Q2 FY26: ₹2,307.18, +59.37% YoY)
  • EPS: ₹15.63 (Q2 FY26: ₹12.27, +27.38% YoY)
  • Other Equity: ₹110,735.17 (March 31, 2026: ₹65,328.62)
  • Cash and Cash Equivalents: ₹5,040.41 (March 31, 2026: ₹5,739.01)
  • Debt: Total financial liabilities ₹241,859.38 including Debt Securities ₹44,923.89, Borrowings ₹115,277.39, Deposits ₹73,598.46

Half-Year ended September 30, 2026:

  • Revenue from Operations: ₹27,183.10 (H1 FY26: ₹23,443.42, +15.96% YoY)
  • Total Income: ₹27,211.02 (H1 FY26: ₹23,458.49, +15.99% YoY)
  • Net Profit: ₹7,121.59 (H1 FY26: ₹4,462.91, +59.57% YoY)
  • EPS: ₹30.46 (H1 FY26: ₹23.73, +28.36% YoY)

Key Ratios (Standalone):

  • Debt-equity ratio: 2.12 times (Q2 FY26: 3.88 times)
  • Net profit margin: 26.65% (Q2 FY26: 19.36%)
  • Capital adequacy ratio: 33.24% (Q2 FY26: 20.68%)
  • Gross NPA ratio: 4.65% (Q2 FY26: 4.57%)
  • Net NPA ratio: 2.31% (Q2 FY26: 2.49%)
  • NPA provision coverage ratio: 51.48% (Q2 FY26: 46.70%)
  • Liquidity coverage ratio: 303.84% (Q2 FY26: 297.21%)

Consolidated Results:

Quarter ended September 30, 2026:

  • Revenue from Operations: ₹13,792.48 (Q2 FY26: ₹11,912.44, +15.78% YoY)
  • Total Income: ₹13,801.84 (Q2 FY26: ₹11,921.33, +15.78% YoY)
  • Net Profit (attributable to owners): ₹3,683.81 (Q2 FY26: ₹2,314.17, +59.18% YoY)
  • EPS: ₹15.66 (Q2 FY26: ₹12.30, +27.32% YoY)

Half-Year ended September 30, 2026:

  • Revenue from Operations: ₹27,192.91 (H1 FY26: ₹23,448.76, +15.97% YoY)
  • Total Income: ₹27,220.58 (H1 FY26: ₹23,463.77, +16.01% YoY)
  • Net Profit (attributable to owners): ₹7,136.58 (H1 FY26: ₹4,473.57, +59.52% YoY)
  • EPS: ₹30.52 (H1 FY26: ₹23.79, +28.29% YoY)

Segment-wise Performance:

The Company operates in a single geographical segment (domestic) and is primarily engaged in financing business with no separate reportable segments as per Ind AS 108.

Corporate Actions:

Dividend:

  • Declared interim dividend of 325% i.e. ₹6.50 per equity share of face value ₹2/- each
  • Record Date: October 29, 2026
  • Payment to be made before November 20, 2026

Capital Raising:

  • Approved periodical resource mobilization plan for issuance of debt securities (NCDs/subordinated debentures/bonds/notes) through private placement and/or public issue
  • Plan covers period from November 1, 2026 to January 31, 2027
  • Approved issuance of redeemable non-convertible debentures on private placement basis
  • Seeking member approval for renewal of limit to issue debentures on private placement basis up to ₹35,000 crore via Postal Ballot

Preferential Issue Update:

  • Preferential issue of 471,121,055 shares to MUFG Bank Ltd. at ₹840.93 per share aggregating ₹39,617.98 crores completed
  • Entire proceeds fully utilized during Q1 and Q2 FY27

ESOP Allotment:

  • Allotted 129,906 equity shares under Employee Stock Option Scheme 2023 during the quarter

Other Significant Information:

Assets Under Management:

  • Total AUM: ₹3,290,217.2 million (16.96% YoY growth)
  • Product-wise AUM:
  • Commercial Vehicles: ₹1,530,302.2 million (46.51% of total)
  • Passenger Vehicles: ₹715,419.2 million (21.74% of total)
  • MSME: ₹461,839.9 million (14.04% of total)
  • Two Wheelers: ₹179,807.4 million (5.46% of total)
  • Gold Loans: ₹89,742.0 million (2.73% of total)
  • Personal Loans: ₹124,145.5 million (3.77% of total)
  • Construction Equipment: ₹119,301.3 million (3.63% of total)
  • Farm Equipment: ₹69,659.7 million (2.12% of total)

Network Strength:

  • 3,225 branches across India
  • 82,292 employees
  • 10.574 million customers

Subsidiary and Associate Performance:

  • Shriram Overseas Investments Limited (wholly-owned subsidiary): PAT of ₹3.3 million for Q2 FY27
  • Shriram Automall India Limited (associate): Share of profit ₹6.47 crores for Q2 FY27

COVID-19 Resolution Plans:

  • Exposure to accounts classified as Standard consequent to implementation of Resolution Plan: ₹19.64 crores as of September 30, 2026