Shriram Finance earnings calls.

Shriram Finance delivered a strong Q4 FY26 with PAT growth of 40.86% YoYCurrent reported value: 40.86% YoY. No comparable prior figure is available in the source record. to ₹3,337.57 crores, driven by robust 15.58% NII growth and improved NIM to 8.61%Current 8.61%. Reported change: +36bps YoY.. Disbursements grew 14.91% YoYCurrent reported value: 14.91% YoY. No comparable prior figure is available in the source record. to ₹50,952 crCurrent ₹50,952 Cr. Reported change: +14.91% YoY.ores while AUM expanded 14.85% YoYCurrent reported value: 14.85% YoY. No comparable prior figure is available in the source record. to ₹3.02 lakh crores. Asset quality remained stable with gross Stage 3 at 4.58% and credit cost improved to 1.68%. The MUFG Bank strategic investment of ₹9,616 crores (20% stake) has significantly bolstered the capital adequacy ratio to 34%. Management has budgeted 18% AUM growth for FY27Current reported value: 18% AUM growth for FY27. No comparable prior figure is available in the source record. with NIM guidance of 8.5%, though they acknowledge Q1FY27 will be challenging to predict due to below-normal monsoon forecasts (92% of LPA) and geopolitical uncertainties. Cost-to-income ratio improved to 25.32% and management targets 26-27% going forward. The primary risk remains potential fuel price hikes feeding into inflation and impacting transporter cash flows if the economy slows materially post-November-December.