Date: 30th June 2026

Financial Results (Standalone & Consolidated)

Q1FY27 Performance Highlights:

  • Assets under management stood at ₹62,275 crores as on 30th June 2026, registering a 17% increase year-on-year from ₹53,278 crores
  • Disbursements for Q1FY27 recorded a growth of 22% to ₹8,947 crores compared to ₹7,310 crores in Q1FY26
  • Net interest income grew by 19% to ₹925 crores in Q1FY27 from ₹781 crores in Q1FY26
  • Profit after tax registered a 22% rise in Q1FY27 with net profit at ₹522 crores as against ₹429 crores in Q1FY26
  • Profit from operations increased by 37% in Q1FY27 as compared to Q1FY26
  • Return on assets (ROA) for Q1FY27 was at 3.06% as against 2.91% for Q1FY26
  • Return on equity (ROE) was at 17.7% for Q1FY27 as against 16.7% for Q1FY26
  • Core ROE (excluding investments in subsidiaries) was at 18.2% for Q1FY27 as against 15.3% for Q1FY26
  • Cost to income ratio stood at 30.70% in Q1FY27 as against 29.84% in Q1FY26

Asset Quality Metrics:

  • Gross stage 3 assets as on 30th June 2026 stood at 1.71% with provision cover of 49% compared to 1.91% with 44% provision cover as of 30th June 2025
  • Net stage 3 assets as on 30th June 2026 closed at 0.88% as against 1.08% as on 30th June 2025
  • Gross and Net NPA as per RBI's asset classification norms are 2.28% and 1.35% respectively as against 2.66% and 1.71% as of 30th June 2025
  • Current collections, measured as collections of current demand, for Q1FY27 is at 92%

Balance Sheet Position (as of 30-Jun-26):

  • Financial Liabilities: ₹57,303 crores
  • Equity: ₹13,596 crores
  • Total Equity and Liabilities: ₹71,284 crores
  • Financial Assets: ₹70,372 crores
  • Non-Financial Assets: ₹912 crores
  • Total Assets: ₹71,284 crores

Subsidiary Performance

Sundaram Home Finance Ltd (100% subsidiary):

  • AUM: ₹20,326 crores (54.6% Housing, 45.4% Non-Housing)
  • Q1FY27 Disbursements: ₹1,643 crores (49.3% Housing, 50.7% Non-Housing)
  • Q1FY27 PAT: ₹85.0 crores
  • Gross Stage 3: 1.4%
  • Net Stage 3: 0.7%
  • CAR: 19.0%
  • Branches: 195
  • Staff: 2,156
  • Customers: 68,931

Royal Sundaram General Insurance Co. Ltd (Joint Venture):

  • Q1FY27 Gross Written Premium: ₹1,380 crores
  • AUM: ₹10,286 crores
  • Q1FY27 PAT: ₹135 crores
  • Combined Operating Ratio: 116.3%
  • Branches: 138
  • Staff: 1,879
  • Customers: 40,58,735

Sundaram Asset Management Company Ltd (Consolidated, 100% subsidiary):

  • AUM: ₹90,089 crores (₹71,837 crores Equity, ₹18,252 crores Debt)
  • Q1FY27 PAT: ₹51 crores
  • Net worth: ₹483 crores
  • Staff: 658
  • Retail Investors: 14,96,406
  • Branches: 85

Group Overview

Total Group Performance:

  • Total AUM across group: ₹1,82,976 crores
  • Total Branches: 1,208
  • Total Staff: 12,693 (includes off roll employees)
  • Total Customer count: 62,91,358

Business Segments:

  • Asset Finance: Cars, Commercial vehicles, Construction equipment, Tractors and farm equipment, Used vehicles
  • Commercial lending: Leasing, NBFC, SME, Supply chain financing
  • Working capital finance: Diesel, Insurance, Tyre, Sundaram Credit Line
  • Distribution: Fixed Deposits, General insurance, Home loans, Investment services, Life insurance, Mutual funds

Credit Ratings

ICRA Ratings:

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

CRISIL Ratings:

  • Deposits: AAA (Stable)
  • Debentures: AAA (Stable)
  • Subordinated Debentures: AAA (Stable)
  • Long Term Loans: AAA (Stable)
  • Commercial Paper: A1+

Board of Directors

Key Management Personnel:

  • Sri Rajiv C. Lochan - Managing Director
  • Sri A. N. Raju - Joint Managing Director
  • Sri M. Ramaswamy - Chief Financial Officer
  • Sri P. N. Srikant - Chief Compliance Officer & Company Secretary

Board Members:

  • Sri S. Viji - Chairman
  • Dr. Raghuttama Rao Raghavendra - Independent Director
  • Sri T. T. Srinivasaraghavan - Non-executive Director
  • Sri Srivats Ram - Non-executive Director
  • Sri L. Ganesh - Independent Director
  • Ms Bhavani Balasubramanian - Independent Director
  • Dr. Kshama Fernandes - Independent Director
  • Sri Harsha Viji - Executive Vice Chairman
  • Sri R. Venkatraman - Independent Director
  • Ms Anuradha Rao - Independent Director