Shriram Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on July 25, 2025.
SHRIRAMFIN · price
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Shriram Finance's board approved unaudited Q1 FY26 standalone and consolidated results. Total income rose to ₹11,541.76 crores (up ~20% from ₹9,609.71 crores in Q1 FY25), driven mainly by interest income of ₹11,173.22 crores. Profit after tax grew ~8.8% to ₹2,155.73 crores, with basic EPS at ₹11.46 (vs ₹10.54). Finance costs climbed ~31% to ₹5,400.76 crores, and net profit margin compressed to 18.68% from 20.61%. Asset quality improved, with gross NPA at 4.53% (vs 5.39%) and net NPA at 2.57%; capital adequacy stood at 20.79%. The board also cleared a resource mobilisation plan to issue NCDs, sub-debt and bonds via private placement and/or public issue from August 1 to October 31, 2025. A final dividend of ₹3/share (150%) for FY25 was confirmed for payment by August 16, 2025.
Strong top-line growth and improved asset quality are positive, but the sharp rise in borrowing costs is eating into margins, keeping PAT growth modest. The planned NCD/bond issuance supports continued lending growth but will further raise the debt-equity ratio (already at 4.15x), which shareholders should watch.