Date: As of 31st March 2026

Dividend Declaration

  • Declared 240% final dividend (₹24 per share)
  • Total dividend for FY26: 400% (₹40 per share)

Overall Highlights of Financial Performance

  • Assets under management stood at ₹59,908 crores as on 31st March 2026, registering a 16% increase year-on-year from ₹51,476 crores
  • Disbursements for FY26 recorded growth of 14% to ₹32,321 crores compared to ₹28,405 crores in FY25
  • Q4FY26 disbursements grew 17% to ₹8,051 crores from ₹6,873 crores in Q4FY25
  • Net interest income grew by 21% to ₹3,376 crores in FY26 from ₹2,793 crores in FY25
  • Q4FY26 NII growth was 20% to ₹901 crores
  • Current collections for FY26 at 91%
  • Gross stage 3 assets as on 31st March 2026: 1.44% with provision cover of 53%
  • Net stage 3 assets as on 31st March 2026: 0.69% (0.75% as on 31st March 2025)
  • Gross NPA (RBI norms): 2.14% (2.17% as of 31st March 2025)
  • Net NPA (RBI norms): 1.27% (1.38% as of 31st March 2025)
  • Profit after tax grew 19% in FY26 to ₹1,834 crores from ₹1,543 crores
  • Q4FY26 PAT grew 11% to ₹608 crores
  • Profit from operations increased by 18% in FY26 and 14% in Q4FY26 Y-o-Y
  • Cost to income ratio improved to 28.71% in FY26 from 30.80% in FY25
  • Dividend income in FY26: ₹293 crores (₹168 crores in FY25)
  • Exceptional Item of ₹75 crores for incremental impact of new Labour Codes
  • Return on assets (ROA) for FY26: 3.03% (2.85% for FY25)
  • Return on equity (ROE) for FY26: 17.5% (16.3% for FY25)
  • Core ROE (excluding investments in subsidiaries): 18.4% for FY26 (19.0% for FY25)

Financial Results Table (₹ in Crore)

| Period | Revenue from Operations* | Dividend Income | Other Income | Total Revenue | Finance Cost | Operating Expenses | Impairment | Total Expenses | Profit Before Tax | Exceptional Items | Profit After Tax |

| Q4FY25 | 1,643 | 125 | 41 | 1,809 | 851 | 232 | (1) | 1,082 | 727 | - | 546 |

| Q3FY26 | 1,883 | 155 | 28 | 2,066 | 933 | 275 | 81 | 1,289 | 777 | (9) | 608 |

| Q4FY26 | 1,876 | - | 17 | 1,893 | 940 | 259 | 102 | 1,301 | 592 | (66) | 403 |

| FY25 | 6,231 | 168 | 76 | 6,475 | 3,254 | 917 | 242 | 4,413 | 2,062 | - | 1,543 |

| FY26 | 7,254 | 293 | 52 | 7,599 | 3,668 | 1,030 | 458 | 5,156 | 2,443 | (75) | 1,834 |

*Revenue from operations is net of depreciation on operating lease

Balance Sheet Position (₹ in Crore)

| Particulars | 31-Mar-25 | 31-Mar-26 |

| Financial Liabilities | 47,958 | 55,246 |

| Non-Financial Liabilities | 118 | 264 |

| Equity | 11,139 | 12,715 |

| Total Equity and Liabilities | 59,215 | 68,225 |

| Financial Assets | 58,287 | 67,338 |

| Non-Financial Assets | 928 | 887 |

| Total Assets | 59,215 | 68,225 |

Historical Performance Trends (2016-2026)

| Year | Paid-up Capital (₹ Cr) | Networth (₹ Cr) | Disbursements (₹ Cr) | Receivables Under Management (₹ Cr) | PAT (₹ Cr) | Dividend % | Market Capitalisation (₹ Cr) |

| Mar-16 | 111 | 3,313 | 11,444 | 20,699 | 477 | 110 | 14,450 |

| Mar-17 | 111 | 3,746 | 13,218 | 24,036 | *495 | 115 | 17,940 |

| Mar-18 | 111 | 4,134 | 15,712 | 28,648 | 563 | 120 | 18,634 |

| Mar-19 | 111 | 5,044 | 17,170 | 33,447 | @604 | #175 | 17,318 |

| Mar-20 | 111 | 5,547 | 15,175 | 35,088 | 724 | 130 | 13,366 |

| Mar-21 | 111 | 6,179 | 11,742 | 35,736 | 809 | 180 | 28,560 |

| Mar-22 | 111 | 6,893 | 13,275 | 33,774 | 903 | 200 | 21,560 |

| Mar-23 | 111 | 7,737 | 20,966 | 39,950 | 1,088 | 270 | 25,548 |

| Mar-24 | 111 | 9,472 | 26,163 | 51,385 | @1,334 | 300 | 45,983 |

| Mar-25 | 111 | 11,139 | 28,405 | 60,290 | 1,543 | 350 | 50,824 |

| Mar-26 | 111 | 12,715 | 32,321 | 70,137 | 1,834 | 400 | 48,614 |

*Adjusted for demerger ₹460.57 Cr, # Includes special dividend of 50%, @ Excludes exceptional item

Subsidiaries Performance

Sundaram Home Finance Ltd

| Particulars | Q4FY26 | Q3FY26 | Q4FY25 | FY26 | FY25 |

| Disbursements (₹ Cr) | 1,894 | 1,741 | 1,929 | 6,805 | 6,517 |

| Housing % | 45.1% | 48.5% | 49.3% | 46.7% | 51.5% |

| Non-Housing % | 54.9% | 51.5% | 50.7% | 53.3% | 48.5% |

| AUM (₹ Cr) | 19,909 | 19,230 | 17,428 | 19,909 | 17,428 |

| PAT (₹ Cr) | 69.7 | 75.1 | 71.6 | 281.9 | 244.7 |

| EPS (₹) Annualized | 27.55 | 29.68 | 28.27 | 27.84 | 24.16 |

| Net worth (₹ Cr) | 2,307 | 2,272 | 2,097 | 2,307 | 2,097 |

| Gross Stage 3% | 1.1% | 1.4% | 1.0% | 1.1% | 1.0% |

| Net Stage 3% | 0.5% | 0.8% | 0.5% | 0.5% | 0.5% |

| CAR | 18.7% | 18.0% | 18.7% | 18.7% | 18.7% |

| Branches | 195 | 181 | 168 | 195 | 168 |

| Staff | 2,095 | 1,948 | 1,862 | 2,095 | 1,862 |

| Customers | 68,532 | 67,988 | 65,261 | 68,532 | 65,261 |

Royal Sundaram General Insurance Co. Ltd (Joint Venture)

| Particulars | Q4FY26 | Q3FY26 | Q4FY25 | FY26 | FY25 |

| Gross Written Premium (₹ Cr) | 1,254 | 1,032 | 1,099 | 4,638 | 4,065 |

| AUM (₹ Cr) | 9,724 | 9,836 | 9,241 | 9,724 | 9,241 |

| PAT (₹ Cr) | (53) | 39 | (1) | 107 | 133 |

| Net worth (₹ Cr) | 1,772 | 1,952 | 1,863 | 1,772 | 1,863 |

| Combined Operating Ratio | 109.1% | 118.6% | 112.0% | 115.5% | 113.3% |

| Branches | 139 | 139 | 145 | 139 | 145 |

| Staff | 1,937 | 2,040 | 2,230 | 1,937 | 2,230 |

| Customers | 39,33,409 | 35,73,108 | 30,83,101 | 39,33,409 | 30,83,101 |

Sundaram Asset Management Company Ltd (Consolidated)

| Particulars | Q4FY26 | Q3FY26 | Q4FY25 | FY26 | FY25 |

| Equity (₹ Cr) | 62,067 | 69,382 | 58,660 | 62,067 | 58,660 |

| Debt (₹ Cr) | 15,390 | 16,813 | 13,166 | 15,390 | 13,166 |

| PAT (₹ Cr) | 47 | 47 | 46 | 174 | 154 |

| Net worth (₹ Cr) | 505 | 588 | 522 | 505 | 522 |

| Staff | 622 | 635 | 592 | 622 | 592 |

| Retail Investors | 15,16,775 | 14,97,329 | 13,42,476 | 15,16,775 | 13,42,476 |

| Branches | 85 | 85 | 85 | 85 | 85 |

Group Overview

Total Group AUM: ₹1,66,998 crore

Total Branches: 1,182

Total Staff: 12,307 (includes off-roll employees)

Total Customer Count: 61,72,790

Credit Ratings

  • Deposits: ICRA AAA (Stable), CRISIL AAA (Stable)
  • Debentures: ICRA AAA (Stable), CRISIL AAA (Stable)
  • Subordinated Debentures: ICRA AAA (Stable), CRISIL AAA (Stable)
  • Long Term Loans: ICRA AAA (Stable), CRISIL AAA (Stable)
  • Working Capital Facilities: ICRA AAA (Stable)
  • Commercial Paper: ICRA A1+, CRISIL A1+
  • Short Term Loans: ICRA A1+

Top Institutional Shareholders (as of 31st March 2026)

| Name | Share % |

| Nalanda India Equity Fund Limited | 3.62 |

| Bright Star Investments Private Limited | 2.37 |

| SBI Mutual Fund | 1.23 |

| Nippon Life India Trustee Limited | 1.06 |

| United India Insurance Company Limited | 1.05 |

| Axis Mutual Fund | 1.01 |

| Damani Estates and Finance Private Limited | 0.93 |

| Vanguard Total International Stock Index Fund | 0.91 |

| Vanguard Emerging Markets Stock Index Fund | 0.86 |

| HDFC Life Insurance Company Limited | 0.77 |

Board of Directors

  • Sri S. Viji - Chairman (5 decades experience in Banking, Finance, Insurance and Automotive Component Manufacturing)
  • Dr. Raghuttama Rao Raghavendra - Independent Director (3 decades experience)
  • Sri T. T. Srinivasaraghavan - Non-executive Director (4 decades experience in Banking and Financial Services)
  • Sri Srivats Ram - Non-executive Director (3 decades experience in auto component manufacturing)
  • Sri L. Ganesh - Independent Director (4 decades industrial experience)
  • Ms Bhavani Balasubramanian - Independent Director (4 decades audit experience)
  • Dr. Kshama Fernandes - Independent Director (3 decades experience)
  • Sri Harsha Viji - Executive Vice Chairman (3 decades experience)
  • Sri R. Venkatraman - Independent Director (4 decades consulting experience)
  • Sri Rajiv C. Lochan - Managing Director (3 decades management experience)
  • Ms Anuradha Rao - Independent Director (4 decades Banking and Finance experience)
  • Sri A. N. Raju - Joint Managing Director (4 decades experience)

Key Management Personnel

  • Sri M. Ramaswamy - Chief Financial Officer (4 decades experience in the Company)
  • Sri P. N. Srikant - Chief Compliance Officer & Company Secretary (3 decades experience in the Company/Group)