Shriram Finance Ltd – Q1 FY26 Financial & Business Overview

• Total revenue (total income): ~₹11,542 crore, up ~20% YoY. • Net profit after tax (PAT): ~₹2,156-2,159 crore, up ~6-9% YoY. • Profit before tax (PBT): ~₹2,906-2,907 crore, up ~9% YoY. • Net interest income (NII): ~₹6,026 crore, up ~12.5% YoY. • Assets Under Management (AUM): ~₹2,72,249 crore, up ~16.6% YoY. • Earnings per share (EPS): ~₹11.46 vs ~₹10.54 a year ago. • Asset quality improved slightly: gross NPA ~4.53% (down from ~5.39% YoY), net NPA ~2.57%. • Cost to income ratio: ~29.29%, modest improvement. • Liquidity coverage ratio: ~268.74%, from ~225.19% YoY. Conclusion Shriram Finance delivered solid Q1 FY26 results – healthy growth in revenue, loan book (AUM), and interest income, with moderate profit growth. Asset quality is improving and liquidity remains strong. Given its strong commercial vehicle financing presence (~45% of AUM), the company is benefiting from demand in transport & commercial lending. Key risks include cost pressures, interest rate environment, and maintaining NPA control.