Q4 2025 Shriram Finance Ltd Earnings Call Transcript

Apr 25, 2025 / 01:30PM GMT

Release Date Price: ₹655.2 (-5.95%)

Transcript

Key Points

Positve

Shriram Finance Ltd (BOM:511218) reported a disbursement growth of 14.04% year on year, with disbursements for the quarter totaling INR44,847.93 crores.
The company's Assets Under Management (AUM) grew by 17.05% over Q4 FY24, reaching INR263,190.27 crores.
Net interest income for the quarter increased by 13.4% year on year, amounting to INR6,051.19 crores.
Profit after tax rose by 9.95%, standing at INR2,139.39 crores, with earnings per share increasing by 9.85%.
The company declared a final dividend of INR3 per equity share, bringing the total dividend for the financial year to 9.9% per share.

Negative

Net interest margin declined to 8.25% from 9.02% in Q4 FY24, primarily due to excess liquidity maintained on the balance sheet.
Gross Stage 3 assets stood at 4.55%, with a technical write-off of INR2,345.10 crore assets impacting the gross NPA figures.
Credit cost for Q4 FY25 increased to 2.07% from 1.85% in Q3 FY25.
The cost-to-income ratio increased to 27.65% in Q4 FY25 from 26.61% in Q4 FY24.
The company's leverage increased to 4.16 from 3.83 as of March '24, indicating a rise in debt levels.

Operator

Ladies and gentlemen, good day and welcome to the Shriram Finance Limited Q4 FY25 earnings conference call. (Operator Instructions) Please note that this conference is being recorded.

I now have the conference over to Mr. Umesh G. Revankar, Executive Vice Chairman, Shriram Finance Limited. Thank you and over to you, sir.

Umesh Revankar

Shriram Finance Ltd - Executive Vice Chairman of the Board

Yeah Thank you. Good evening, friends from India and Asia, and warm welcome to all of you. Greetings to those who have joined the call from the Western part of the world. To present our Q4 FY25 earnings call today, I have with me Managing Director and CEO, Mr. Chakravarti; Managing Director and CFO, Parag Sharma; S. Sunder, Joint Managing Director; Mr. Sanjay Kumar Mundra, our Investor Relations Head.

It has been a good fourth quarter for Shriram Finance Limited under current circumstances. Let me first go through the broad economic indicators that impact our business directly or indirectly. India GDP growth grew by 6.2% in October, December quarter

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