| Scrip code | 511218 |
|---|---|
| NSE Symbol | SHRIRAMFIN |
| MSEI Symbol | NOTLISTED |
| ISIN | INE721A01047 |
| Name of company | Shriram Finance Limited |
| Type of company | Main Board |
| Class of security | Equity |
| Date of start of financial year | 01-04-2026 |
| Date of end of financial year | 31-03-2027 |
| Date of board meeting when results were approved | 23-10-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 16-10-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Second quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited for the quarter ended | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Unaudited |
| Segment Reporting | Single segment |
| Description of single segment | Financial Activities |
| Start date and time of board meeting | 23-10-2026 11:00:00 |
| End date and time of board meeting | 23-10-2026 14:30:00 |
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Income | ||
| Revenue from operations | |||
| (i) | Interest Income | 13,38,584.00 | 26,30,211.00 |
| (ii) | Dividend Income | 181.00 | 181.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 14,649.00 | 27,386.00 |
| (v) | Net gain on fair value changes | 6,975.00 | 25,522.00 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 0.00 | 0.00 |
| (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 | Other operating income | 18,859.00 | 35,991.00 |
| Total other revenue from operations | 18,859.00 | 35,991.00 | |
| Total Revenue From Operations | 13,79,248.00 | 27,19,291.00 | |
| Other income | 936.00 | 2,767.00 | |
| Total income | 13,80,184.00 | 27,22,058.00 | |
| 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 | 1,08,548.00 | 2,22,981.00 | |
| Finance costs | 4,96,490.00 | 10,16,935.00 | |
| Depreciation, depletion and amortisation expense | 17,992.00 | 36,271.00 | |
| Fees and commission expense | 9,099.00 | 20,906.00 | |
| 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 | 1,87,740.00 | 3,34,066.00 | |
| (f) | Other expenses | ||
| 1 | Other expenses | 67,081.00 | 1,35,093.00 |
| Total other expenses | 67,081.00 | 1,35,093.00 | |
| Total expenses | 8,86,950.00 | 17,66,252.00 | |
| 3 | Total profit before exceptional items and tax | 4,93,234.00 | 9,55,806.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 4,93,234.00 | 9,55,806.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 1,53,622.00 | 2,93,378.00 |
| 9 | Deferred tax | (28,122.00) | (50,032.00) |
| 10 | Total tax expenses | 1,25,500.00 | 2,43,346.00 |
| 11 | Net Profit Loss for the period from continuing operations | 3,67,734.00 | 7,12,460.00 |
| 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 | 647.00 | 1,198.00 |
| 15 | Total profit (loss) for period | 3,68,381.00 | 7,13,658.00 |
| 16 | Other comprehensive income net of taxes | 28,797.00 | 18,154.00 |
| 17 | Total Comprehensive Income for the period | 3,97,178.00 | 7,31,812.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 3,68,381.00 | 7,13,658.00 | |
| 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 | 3,97,178.00 | 7,31,812.00 | |
| 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 | 47,061.00 | 47,061.00 | |
| Face value of equity share capital | 2 | 2 | |
| 21 | Reserves excluding revaluation reserve | ||
| 22 | Earnings per share | ||
| i | Earnings per equity share for continuing operations | ||
| Basic earnings per share from continuing operations | 15.66 | 30.52 | |
| Diluted earnings per share from continuing operations | 15.66 | 30.51 | |
| 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 | 15.66 | 30.52 | |
| Diluted earnings per share | 15.66 | 30.51 | |
| 23 | Debt equity ratio | 2.1200 | 2.1200 |
| 24 | Debt service coverage ratio | 0.0 | 0.0 |
| 25 | Interest service coverage ratio | 0.0 | 0.0 |
| 26 | Disclosure of notes on financial results | ||
| 23 | Debt equity ratio | |
|---|---|---|
| 24 | Debt service coverage ratio | Not applicable |
| 25 | Interest service coverage ratio | Not applicable |
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 |
| C | Whether results are audited or unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated |
| Statement of cash flows | ||
| Cash flows from used in operating activities | ||
| Profit before tax | 9,55,806.00 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 10,10,571.00 | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables, current | 0.00 | |
| Adjustments for decrease (increase) in trade receivables, non-current | 0.00 | |
| Adjustments for decrease (increase) in other current assets | 0.00 | |
| Adjustments for decrease (increase) in other non-current assets | 0.00 | |
| Adjustments for other financial assets, non-current | 0.00 | |
| Adjustments for other financial assets, current | 0.00 | |
| Adjustments for other bank balances | 0.00 | |
| Adjustments for increase (decrease) in trade payables, current | 0.00 | |
| 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 | 36,271.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 3,34,066.00 | |
| Adjustments for provisions, current | 0.00 | |
| Adjustments for provisions, non-current | 0.00 | |
| Adjustments for other financial liabilities, current | 0.00 | |
| Adjustments for other financial liabilities, non-current | 0.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 181.00 | |
| Adjustments for interest income | 26,08,616.00 | |
| Adjustments for share-based payments | 2,381.00 | |
| Adjustments for fair value losses (gains) | (25,522.00) | |
| 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) | 157.00 | |
| Other adjustments for non-cash items | (1,042.00) | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (12,51,915.00) | |
| Net cash flows from (used in) operations | (2,96,109.00) | |
| Dividends received | 0.00 | |
| Interest paid | 7,85,007.00 | |
| Interest received | 25,73,516.00 | |
| Income taxes paid (refund) | 2,34,571.00 | |
| Other inflows (outflows) of cash | (35,60,794.00) | |
| Net cash flows from (used in) operating activities | (23,02,965.00) | |
| 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 | 0.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 0.00 | |
| 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 | 673.00 | |
| Purchase of property, plant and equipment | 11,113.00 | |
| Proceeds from sales of investment property | 305.00 | |
| Purchase of investment property | 0.00 | |
| Proceeds from sales of intangible assets | 0.00 | |
| Purchase of intangible assets | 162.00 | |
| 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 | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) investing activities | (10,297.00) | |
| 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 | 39,60,936.00 | |
| 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 | 22,94,478.00 | |
| Repayments of borrowings | 39,28,498.00 | |
| Payments of lease liabilities | 12,121.00 | |
| Dividends paid | 1,41,030.00 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 69,453.00 | |
| Net cash flows from (used in) financing activities | 22,43,218.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | (70,044.00) | |
| 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 | (70,044.00) | |
| Cash and cash equivalents cash flow statement at beginning of period | 5,74,379.00 | |
| Cash and cash equivalents cash flow statement at end of period | 5,04,335.00 | |
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2026 | ||
| Date of end of reporting period | 30-09-2026 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Finanical Asset | ||
| Cash and cash equivalents | 5,04,335.00 | ||
| Bank Balance other than (a) above | 7,53,962.00 | ||
| Derivative financial instruments | 4,03,183.00 | ||
| Receivables | |||
| (I) Trade Receivables | 3,712.00 | ||
| (II) Other Receivables | 0.00 | ||
| Loans | 3,07,83,355.00 | ||
| Investments | 19,39,696.00 | ||
| Other Financial assets | |||
| 1 | Other financial assets | 2,84,060.00 | |
| Total of Other Financial assets | 2,84,060.00 | ||
| Total Financial Assets | 3,46,72,303.00 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 42,367.00 | ||
| Deferred tax Assets (Net) | 4,70,024.00 | ||
| Investment Property | 0.00 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Property, Plant and Equipment | 1,18,964.00 | ||
| Capital work-in-progress | 0.00 | ||
| Intangible assets under development | 0.00 | ||
| Goodwill | 1,18,945.00 | ||
| Other Intangible assets | 15,739.00 | ||
| Other non-financial assets | |||
| 1 | Other non-financial assets | 37,869.00 | |
| Total of Other non-financial assets | 37,869.00 | ||
| Total Non Financial Assets | 8,03,908.00 | ||
| Total assets | 3,54,76,211.00 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 47,061.00 | ||
| Other equity | 1,10,96,372.00 | ||
| Total equity attributable to owners of parent | 1,11,43,433.00 | ||
| Non controlling interest | 0 | ||
| Total equity | 1,11,43,433.00 | ||
| 2 | Liabilities | ||
| 2.1 | Financial Liabilities | ||
| (a) | Derivative financial instruments | 10,207.00 | |
| (b) | Payables | ||
| (I)Trade Payables | |||
| (i) total outstanding dues of micro enterprises and small enterprises | 335.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 32,851.00 | ||
| 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 | 104.00 | ||
| (C ) | Debt Securities | 44,92,389.00 | |
| (d) | Borrowings (Other than Debt Securities) | 1,15,27,843.00 | |
| (e) | Deposits | 73,59,846.00 | |
| (f) | Subordinated Liabilities | 2,47,119.00 | |
| Other financial liabilities | |||
| 1 | Other financial liabilities | 5,15,376.00 | |
| Total of Other financial liabilities | 5,15,376.00 | ||
| Total Financial Liabilities | 2,41,86,070.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 80,977.00 | |
| (b) | Provisions | 44,989.00 | |
| (C ) | Deferred tax liabilities (Net) | 0.00 | |
| Other non-financial liabilities | |||
| 1 | Other non-financial liabilities | 20,742.00 | |
| Total of Other non-financial liabilities | 20,742.00 | ||
| Total Non Financial Liabilities | 1,46,708.00 | ||
| Total liabilities | 2,43,32,778.00 | ||
| Total equity and liabilites | 3,54,76,211.00 | ||
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| Whether results are audited or unaudited | Unaudited | Unaudited | |
| Nature of report standalone or consolidated | Consolidated | Consolidated | |
| 1 | Segment Revenue (Income) | ||
| (net sale/income from each segment should be disclosed) | |||
| Total Segment Revenue | |||
| Less: Inter segment revenue | |||
| Revenue from operations | |||
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| Total Profit before tax | |||
| i. Finance cost | |||
| ii. Other Unallocable Expenditure net off Unallocable income | |||
| Profit before tax | |||
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| Total Segment Asset | |||
| Un-allocable Assets | |||
| Net Segment Asset | |||
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| Total Segment Liabilities | |||
| Un-allocable Liabilities | |||
| Net Segment Liabilities | |||
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| 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 | Remeasurement gain/ (loss) on defined benefit plan | -70700000 | -319700000 |
| 2 | Gain/ (loss) on fair valuation of quoted investments in equity shares | -60600000 | -199200000 |
| 3 | Share of other comprehensive income from associates (Net) | 2300000 | -1600000 |
| Total Amount of items that will not be reclassified to profit and loss | -129000000 | -520500000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | (259.00) | (1,093.00) |
| 3 | Amount of items that will be reclassified to profit and loss | ||
| 1 | Gain/ (loss) on effective portion of hedging instruments in a cash flow hedge | 3986000000 | 2975500000 |
| Total Amount of items that will be reclassified to profit and loss | 3986000000 | 2975500000 | |
| 4 | Income tax relating to items that will be reclassified to profit or loss | 10,032.00 | 7,489.00 |
| 5 | Total Other comprehensive income | 28,797.00 | 18,154.00 |
| Whether results are audited or unaudited | Unaudited |
|---|---|
| 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 G. D. Apte & Co | Yes | 30-11-2026 | ||
|---|---|---|---|---|---|
| 2 | M/s M M Nissim & Co LLP | Yes | 31-03-2028 | ||