| Scrip code | 590071 |
|---|---|
| NSE Symbol | SUNDARMFIN |
| MSEI Symbol | NOTLISTED |
| ISIN | INE660A01013 |
| Name of company | Sundaram Finance Limited |
| Type of company | Main Board |
| Class of security | Equity |
| Date of start of financial year | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 25-05-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 19-05-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Fourth quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited for the quarter ended | Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Audited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 25-05-2026 10:00:00 |
| End date and time of board meeting | 25-05-2026 13:15:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited | Audited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 2,15,689.00 | 8,27,530.00 |
| (ii) | Dividend Income | 3,056.00 | 4,037.00 |
| (iii) | Rental Income | 6,066.00 | 23,340.00 |
| (iv) | Fees and commission Income | 10,647.00 | 37,946.00 |
| (v) | Net gain on fair value changes | 2,499.00 | 14,043.00 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 2,260.00 | 11,323.00 |
| (vii) | Sale of products (including Excise Duty) | 0.00 | 0.00 |
| (viii) | Sale of services | 0.00 | 0.00 |
| (ix) | Other revenue from operations | ||
| 1 | Income from other services | 13,949.00 | 57,002.00 |
| 2 | Recovery of bad debts | 1,874.00 | 5,671.00 |
| Total other revenue from operations | 15,823.00 | 62,673.00 | |
| Total Revenue From Operations | 2,56,040.00 | 9,80,892.00 | |
| Other income | 2,899.00 | 6,420.00 | |
| Total income | 2,58,939.00 | 9,87,312.00 | |
| 2 | Expenses | ||
| Cost of materials consumed | 0.00 | 0.00 | |
| Purchases of stock-in-trade | 0.00 | 0.00 | |
| Changes in inventories of finished goods, work-in-progress and stock-in-trade | 0.00 | 0.00 | |
| Employee benefit expense | 28,340.00 | 1,05,914.00 | |
| Finance costs | 1,19,691.00 | 4,74,531.00 | |
| Depreciation, depletion and amortisation expense | 6,699.00 | 24,567.00 | |
| Fees and commission expense | 3,197.00 | 12,650.00 | |
| Net loss on fair value changes | 0.00 | 0.00 | |
| Net loss on derecognition of financial instruments under amortised cost category | 0.00 | 0.00 | |
| Impairment on financial instruments | 12,366.00 | 55,331.00 | |
| (f) | Other expenses | ||
| 1 | Administrative & other expenses | 10,483.00 | 38,701.00 |
| Total other expenses | 10,483.00 | 38,701.00 | |
| Total expenses | 1,80,776.00 | 7,11,694.00 | |
| 3 | Total profit before exceptional items and tax | 78,163.00 | 2,75,618.00 |
| 4 | Exceptional items | (877.00) | (7,561.00) |
| 5 | Total profit before tax | 77,286.00 | 2,68,057.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 17,608.00 | 69,529.00 |
| 9 | Deferred tax | 1,623.00 | (2,012.00) |
| 10 | Total tax expenses | 19,231.00 | 67,517.00 |
| 11 | Net Profit Loss for the period from continuing operations | 58,055.00 | 2,00,540.00 |
| 12 | Profit (loss) from discontinued operations before tax | 0.00 | 0.00 |
| 13 | Tax expense of discontinued operations | 0.00 | 0.00 |
| 17 | Net profit (loss) from discontinued operation after tax | 0.00 | 0.00 |
| 14 | Share of profit (loss) of associates and joint ventures accounted for using equity method | (2,638.00) | 5,346.00 |
| 15 | Total profit (loss) for period | 55,417.00 | 2,05,886.00 |
| 16 | Other comprehensive income net of taxes | (50,706.00) | 7,512.00 |
| 17 | Total Comprehensive Income for the period | 4,711.00 | 2,13,398.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 55,417.00 | 2,05,886.00 | |
| Total profit or loss, attributable to non-controlling interests | 0.00 | 0.00 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | (50,706.00) | 7,512.00 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 0.00 | 0.00 | |
| 20 | Details of equity share capital | ||
| Paid-up equity share capital | 11,021.00 | 11,021.00 | |
| Face value of equity share capital | 10 | 10 | |
| 21 | Reserves excluding revaluation reserve | 14,78,344.00 | |
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 50.28 | 186.81 | |
| Diluted earnings per share from continuing operations | 50.28 | 186.81 | |
| ii | Earnings per equity share for discontinued operations | ||
| Basic earnings per share from discontinued operations | 0 | 0 | |
| Diluted earnings per share from discontinued operations | 0 | 0 | |
| ii | Earnings per equity share | ||
| Basic earnings per share | 50.28 | 186.81 | |
| Diluted earnings per share | 50.28 | 186.81 | |
| 23 | Debt equity ratio | 4.6800 | 4.6800 |
| 24 | Debt service coverage ratio | ||
| 25 | Interest service coverage ratio | ||
| 26 | Disclosure of notes on financial results | ||
| 23 | Debt equity ratio | |
|---|---|---|
| 24 | Debt service coverage ratio | |
| 25 | Interest service coverage ratio |
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited |
| D | Nature of report standalone or consolidated | Consolidated |
| Statement of cash flows | ||
| Cash flows from used in operating activities | ||
| Profit before tax | 2,68,057.00 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 4,74,531.00 | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables, current | 2,400.00 | |
| Adjustments for decrease (increase) in trade receivables, non-current | 0.00 | |
| Adjustments for decrease (increase) in other current assets | (59,898.00) | |
| Adjustments for decrease (increase) in other non-current assets | (19,244.00) | |
| Adjustments for other financial assets, non-current | (9,15,573.00) | |
| Adjustments for other financial assets, current | (6,263.00) | |
| Adjustments for other bank balances | 82,796.00 | |
| Adjustments for increase (decrease) in trade payables, current | (3,092.00) | |
| Adjustments for increase (decrease) in trade payables, non-current | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 0.00 | |
| Adjustments for increase (decrease) in other non-current liabilities | 0.00 | |
| Adjustments for depreciation and amortisation expense | 24,567.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 55,331.00 | |
| Adjustments for provisions, current | 6,107.00 | |
| Adjustments for provisions, non-current | 0.00 | |
| Adjustments for other financial liabilities, current | 7,937.00 | |
| Adjustments for other financial liabilities, non-current | 0.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 4,037.00 | |
| Adjustments for interest income | 37,282.00 | |
| Adjustments for share-based payments | 534.00 | |
| Adjustments for fair value losses (gains) | (14,364.00) | |
| Adjustments for undistributed profits of associates | 0.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | 0.00 | |
| Other adjustments to reconcile profit (loss) | 249.00 | |
| Other adjustments for non-cash items | (16,139.00) | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (4,21,440.00) | |
| Net cash flows from (used in) operations | (1,53,383.00) | |
| Dividends received | 0.00 | |
| Interest paid | 4,05,390.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 30,450.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities | (5,89,223.00) | |
| Cash flows from used in investing activities | ||
| Cash flows from losing control of subsidiaries or other businesses | 0.00 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | 0.00 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 46,97,111.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 48,69,754.00 | |
| Other cash receipts from sales of interests in joint ventures | 0.00 | |
| Other cash payments to acquire interests in joint ventures | 0.00 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Proceeds from sales of property, plant and equipment | 3,330.00 | |
| Purchase of property, plant and equipment | 5,489.00 | |
| Proceeds from sales of investment property | 0.00 | |
| Purchase of investment property | 0.00 | |
| Proceeds from sales of intangible assets | 0.00 | |
| Purchase of intangible assets | 753.00 | |
| Proceeds from sales of intangible assets under development | 0.00 | |
| Purchase of intangible assets under development | 0.00 | |
| Proceeds from sales of goodwill | 0.00 | |
| Purchase of goodwill | 0.00 | |
| Proceeds from biological assets other than bearer plants | 0.00 | |
| Purchase of biological assets other than bearer plants | 0.00 | |
| Proceeds from government grants | 0.00 | |
| Proceeds from sales of other long-term assets | 0.00 | |
| Purchase of other long-term assets | 0.00 | |
| Cash advances and loans made to other parties | 0.00 | |
| Cash receipts from repayment of advances and loans made to other parties | 0.00 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Dividends received | 5,945.00 | |
| Interest received | 32,475.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) investing activities | (1,37,135.00) | |
| Cash flows from used in financing activities | ||
| Proceeds from changes in ownership interests in subsidiaries | 0.00 | |
| Payments from changes in ownership interests in subsidiaries | 0.00 | |
| Proceeds from issuing shares | 0.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Payments to acquire or redeem entity's shares | 0.00 | |
| Payments of other equity instruments | 0.00 | |
| Proceeds from exercise of stock options | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 0.00 | |
| Proceeds from borrowings | 46,40,454.00 | |
| Repayments of borrowings | 38,47,088.00 | |
| Payments of lease liabilities | 4,737.00 | |
| Dividends paid | 40,781.00 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) financing activities | 7,47,848.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 21,490.00 | |
| Effect of exchange rate changes on cash and cash equivalents | ||
| Effect of exchange rate changes on cash and cash equivalents | 0.00 | |
| Net increase (decrease) in cash and cash equivalents | 21,490.00 | |
| Cash and cash equivalents cash flow statement at beginning of period | 31,072.00 | |
| Cash and cash equivalents cash flow statement at end of period | 52,562.00 | |
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 31-03-2026 | ||
| Whether results are audited or unaudited | Audited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Finanical Asset | ||
| Cash and cash equivalents | 52,562.00 | ||
| Bank Balance other than (a) above | 99,406.00 | ||
| Derivative financial instruments | 0.00 | ||
| Receivables | |||
| (I) Trade Receivables | 9,946.00 | ||
| (II) Other Receivables | 3,060.00 | ||
| Loans | 73,25,479.00 | ||
| Investments | 9,02,901.00 | ||
| Other Financial assets | |||
| 1 | Other Financial assets | 18,720.00 | |
| Total of Other Financial assets | 18,720.00 | ||
| Total Financial Assets | 84,12,074.00 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 0.00 | ||
| Deferred tax Assets (Net) | 0.00 | ||
| Investment Property | 5,227.00 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Property, Plant and Equipment | 62,376.00 | ||
| Capital work-in-progress | 0.00 | ||
| Intangible assets under development | 502.00 | ||
| Goodwill | 47,248.00 | ||
| Other Intangible assets | 15,751.00 | ||
| Other non-financial assets | |||
| 1 | Assets held for sale | 1,976.00 | |
| 2 | Right of use assets | 15,082.00 | |
| 3 | Other non-financial assets | 19,305.00 | |
| Total of Other non-financial assets | 36,363.00 | ||
| Total Non Financial Assets | 1,67,467.00 | ||
| Total assets | 85,79,541.00 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 11,021.00 | ||
| Other equity | 14,78,344.00 | ||
| Total equity attributable to owners of parent | 14,89,365.00 | ||
| Non controlling interest | 0 | ||
| Total equity | 14,89,365.00 | ||
| 2 | Liabilities | ||
| 2.1 | Financial Liabilities | ||
| (a) | Derivative financial instruments | 2,153.00 | |
| (b) | Payables | 0.00 | |
| (I)Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 427.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 18,725.00 | ||
| II) Other Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 0.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 2,053.00 | ||
| (C ) | Debt Securities | 26,85,979.00 | |
| (d) | Borrowings (Other than Debt Securities) | 31,26,123.00 | |
| (e) | Deposits | 8,87,304.00 | |
| (f) | Subordinated Liabilities | 2,64,224.00 | |
| Other financial liabilities | |||
| 1 | Other financial liabilities | 72,098.00 | |
| Total of Other financial liabilities | 72,098.00 | ||
| Total Financial Liabilities | 70,59,086.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 3,766.00 | |
| (b) | Provisions | 17,039.00 | |
| (C ) | Deferred tax liabilities (Net) | 3,434.00 | |
| Other non-financial liabilities | |||
| 1 | Other non-financial liabilities | 6,851.00 | |
| Total of Other non-financial liabilities | 6,851.00 | ||
| Total Non Financial Liabilities | 31,090.00 | ||
| Total liabilities | 70,90,176.00 | ||
| Total equity and liabilites | 85,79,541.00 | ||
| Disclosure of notes on assets and liabilities | |||
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| Whether results are audited or unaudited | Audited | Audited | |
| Nature of report standalone or consolidated | Consolidated | Consolidated | |
| 1 | Segment Revenue (Income) | ||
| (net sale/income from each segment should be disclosed) | |||
| 1 | Asset Financing | 2,35,651.00 | 9,07,107.00 |
| 2 | Others | 20,465.00 | 74,028.00 |
| Total Segment Revenue | 2,56,116.00 | 9,81,135.00 | |
| Less: Inter segment revenue | 75.00 | 243.00 | |
| Revenue from operations | 2,56,041.00 | 9,80,892.00 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | Asset Financing | 67,927.00 | 2,44,571.00 |
| 2 | Others | 8,262.00 | 28,505.00 |
| Total Profit before tax | 76,189.00 | 2,73,076.00 | |
| i. Finance cost | |||
| ii. Other Unallocable Expenditure net off Unallocable income | (1,098.00) | 5,019.00 | |
| Profit before tax | 77,287.00 | 2,68,057.00 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | Asset Financing | 82,16,133.00 | 82,16,133.00 |
| 2 | Others | 2,27,509.00 | 2,27,509.00 |
| Total Segment Asset | 84,43,642.00 | 84,43,642.00 | |
| Un-allocable Assets | 1,35,899.00 | 1,35,899.00 | |
| Net Segment Asset | 85,79,541.00 | 85,79,541.00 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | Asset Financing | 70,64,645.00 | 70,64,645.00 |
| 2 | Others | 18,158.00 | 18,158.00 |
| Total Segment Liabilities | 70,82,803.00 | 70,82,803.00 | |
| Un-allocable Liabilities | 7,373.00 | 7,373.00 | |
| Net Segment Liabilities | 70,90,176.00 | 70,90,176.00 | |
| Disclosure of notes on segments | |||
| Particulars | 3 months/ 6 month ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
|---|---|---|---|
| A | Date of start of reporting period | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited | Audited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| Other comprehensive income [Abstract] | |||
| 1 | Amount of items that will not be reclassified to profit and loss | ||
| 1 | Remeasurements of the defined benefit plans | 19300000 | -124800000 |
| 2 | Equity and other investments through Other Comprehensive Income | -5835500000 | 1360800000 |
| 3 | Share of other comprehensive income from associates & Joint Ventures using equity method | 13500000 | 6100000 |
| Total Amount of items that will not be reclassified to profit and loss | -5802700000 | 1242100000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | (8,294.00) | 1,662.00 |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Change in fair value of derivative instrument/Other Investments | 535400000 | 537300000 |
| 2 | Share of other comprehensive income from associates & Joint Ventures using equity method | -523000000 | -803300000 |
| 3 | Foreign currency Translation Reserve | 25000000 | 76500000 |
| Total Amount of items that will be reclassified to profit and loss | 37400000 | -189500000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | 1,347.00 | 1,352.00 |
| 5 | Total Other comprehensive income | (50,706.00) | 7,512.00 |
| Whether results are audited or unaudited | Audited |
|---|---|
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | M/s RGN Price & Co | Yes | 31-03-2028 | ||
|---|---|---|---|---|---|
| 2 | M/s Brahmayya & Co | Yes | 30-04-2027 | ||