Slides
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Investor Update - Q3 & 9M FY2026January 23, 2026
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#TogetherWeSoar Business Updates 2 approvals. Upon completion, the Investor will become a minority public shareholder of the Company. Credit Rating Upgraded CARE has upgraded our rating on 31 December 2025 from AA+ / Stable to AAA stable and new rating has been assigned for our Fixed Deposit Programme of AAA Stable. CRISIL has upgraded our rating on 14th January 2026 from AA+ / Stable to AA+/Watch Positive and new rating has been assigned for our Fixed Deposit Programme of AA+/Watch Positive. ICRA has upgraded our rating on 31st December 2025 from AA+/Stable to AA+; placed on Watch with Positive Implications. Fitch has upgraded our rating on 21st January 2026 from BB+/Stable to BB+ Rating Watch Positive for Long Term IDR and from B to B Rating Watch Positive for Short Term IDR. S&P Global Ratings has upgraded our rating on 15th January 2026 from BB+/Stable/B to BBB-/Stable/A-3. Moody's has upgraded our rating on 9th January 2026 from BA1/Stable to BA1/Positive. The Board of Directors at its meeting held on December 19, 2025 approved raising of funds of INR 396,179.8 mn by way of the preferentia lissue of 471,121,055 fully paid-up equity shares of face value of Rs. 2/- at a price of INR 840.93 per subscription share each representing 20% of the post-preferential equity share capital on a fully diluted basis to MUFG Bank Ltd ("Investor"), a Company incorporated under the laws of Japan. An 'Investment Agreement' in this regard was executed on the same date. The requisite resolutions were approved by the shareholders at the extraordinary general meeting on January 14, 2026. Currently, the preferential issue is awaiting necessary statutory and regulatory
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#TogetherWeSoar Business Updates (Contd.) 3 The Government of India has consolidated 29 existing labour legislations into a unified framework comprising four Labour Codes viz. Codeon wages 2019, Codes on Social Security 2020, Industrial Relation Code 2020, and Occupational Safety, Health and Working ConditionCode 2020 (collectively referred to as the New Labour Codes). These Codes have been made effective from November 21, 2025. Thecorresponding draft rules under these codes have been issued by the Government.Employee benefits expenses for the quarter and nine months period ended December 31, 2025 include incremental impact of Rs. 1,969.5million on gratuity and long-term compensated absences representing increase in the past service costs due to change in definition ofwages under the New Labour Codes. The Company continues to monitor the finalisation of Central / State Rules and clarifications from theGovernment on other aspects of the New Labour Codes and would provide appropriate accounting effect on the basis of such developmentsas required.
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#TogetherWeSoar4Performance Highlights
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#TogetherWeSoar Performance Highlights – Q3 FY26 vs Q3 FY25 5 Total Income 13.88% Net Interest Income**16.17% PAT (incl. exceptional items)*-29.36% EPS (incl. exceptional items)* -29.44% Q3 FY26Rs 121,915.8 mn Q3 FY25 Rs 107,054.7 mnQ3 FY26Rs 67,640.9 mnQ3 FY25 Rs 58,226.9 mnQ3 FY26Rs 25,216.7 mn Q3 FY25 Rs 35,697.6 mnQ3 FY26Rs 13.40 Q3 FY25 Rs 18.99**including Net Direct assignment Income Rs. Nil (Q3 FY25 Rs. 263.4 mn) *Exceptional item (net of expenses) on Sale of subsidiary (SHFL) Rs. 16,567.7 mn (less tax impact of Rs. 1,673.8 mn in FY25) PAT (excl. exceptional items)* 21.21%Q3 FY26Rs 25,216.7 mn Q3 FY25 Rs 20,803.7 mn EPS(excl. exceptional items)* 21.05% Q3 FY26Rs 13.40 Q3 FY25 Rs 11.07
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#TogetherWeSoar Performance Highlights – 9M FY26 vs 9M FY25 6 Total Income 17.27% Net Interest Income**13.55% EPS (incl. exceptional items)* -8.41% 9M FY26Rs 356,500.7 mn 9M FY25 Rs 303,992.2 mn9M FY26Rs 190,573.6 mn9M FY25 Rs 167,839.0 mn9M FY26Rs 37.149M FY25 Rs 40.55 PAT (excl. exceptional items)* 13.90%9M FY26Rs 69,845.8 mn 9M FY25 Rs 61,322.2 mn**including Net Direct assignment Income Rs. Nil (Q3 FY25 Rs. 1,023.9 mn) *Exceptional item (net of expenses) on Sale of subsidiary (SHFL) Rs. 16,567.7 mn (less tax impact of Rs. 1,673.8 mn in FY25) PAT (incl. exceptional items)*-8.36%9M FY26Rs 69,845.8 mn 9M FY25 Rs 76,216.1 mn EPS(excl. exceptional items)* 13.86% 9M FY26Rs 37.149M FY25 Rs 32.62
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#TogetherWeSoar7 AUM 14.63% Gross Stage 3 Assets -2.96% Net Stage 3 Assets 2.79% Book Value 12.85% Q3 FY26Rs 2,917,090.3 mnQ3 FY25 Rs 2,544,696.9 mnQ3 FY26Rs 131,214.4 mnQ3 FY25 Rs 135,211.8 mnQ3 FY26Rs 67,218.2 mnQ3 FY25 Rs 65,393.4 mnQ3 FY26Rs 330.04Q3 FY25 Rs 292.47 Performance Highlights – Q3 FY26 vs Q3 FY25
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#TogetherWeSoar8Assets under Management (AUM),Provision Analysis and Geographical Distribution
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#TogetherWeSoar AUM Break-up 9*Off Books pertains to Direct assignment portfolioParticulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25Loan Portfolio- On Books Balance sheet assets 2,501,092.2 2,418,263.3 2,314,226.8 2,136,048.5 17.09% 3.43% 2,231,869.8 Securitised assets 392,249.7 367,567.3 378,043.6 375,629.5 4.42% 6.72% 367,289.3 Total On books2,893,341.9 2,785,830.6 2,692,270.4 2,511,678.0 15.20% 3.86% 2,599,159.1 - Off Books* 23,748.4 27,264.0 30,219.7 33,018.9 -28.08% -12.89% 32,743.6 Total AUM 2,917,090.3 2,813,094.6 2,722,490.1 2,544,696.9 14.63% 3.70% 2,631,902.7
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#TogetherWeSoar Segment-wise AUM Break-up 10 YoY (%) QoQ (%)Amt % Amt % Amt % Amt % Amt %Commercial Vehicles1,331,695.4 45.65% 1,281,402.4 45.55% 1,231,318.9 45.23% 1,157,668.5 45.49% 15.03% 3.92% 1,185,605.0 45.05%Passenger Vehicles632,168.9 21.67% 595,505.6 21.17% 566,347.6 20.80% 518,838.9 20.39% 21.84% 6.16% 541,044.9 20.56%Construction Equipments142,194.6 4.87% 153,666.9 5.46% 165,353.6 6.07% 178,611.2 7.02% -20.39% -7.47% 178,781.6 6.79%Farm Equipments65,660.4 2.25% 61,817.8 2.20% 58,274.8 2.14% 47,755.7 1.88% 37.49% 6.22% 52,066.0 1.98%MSME410,769.5 14.08% 406,349.9 14.44% 388,242.6 14.26% 346,320.6 13.61% 18.61% 1.09% 374,135.5 14.22%Two Wheelers173,720.6 5.96% 155,513.6 5.53% 158,563.0 5.82% 154,109.0 6.06% 12.73% 11.71% 155,805.6 5.92%Gold56,442.0 1.93% 53,363.2 1.90% 51,540.5 1.89% 54,880.7 2.16% 2.84% 5.77% 48,367.0 1.84%Personal Loans104,438.9 3.58% 105,475.2 3.75% 102,849.1 3.79% 86,512.3 3.39% 20.72% -0.98% 96,097.1 3.65%Total AUM2,917,090.3 100.00% 2,813,094.6 100.00% 2,722,490.1 100.00% 2,544,696.9 100.00% 14.63% 3.70% 2,631,902.7 100.00%Product(Rs. mn)Q3 FY25Q1 FY26Q2 FY26 FY25Q3 FY26
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#TogetherWeSoar Provision Analysis – December’25 11 Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25Gross Stage 3131,214.4 127,362.6 121,994.8 135,211.8 -2.96% 3.02%118,387.9 ECL provision-Stage 363,996.2 59,478.5 54,061.9 69,818.4 -8.34% 7.60%51,243.3 Net Stage 367,218.2 67,884.1 67,932.9 65,393.4 2.79% -0.98%67,144.6 Gross Stage 3 (%)4.54% 4.57% 4.53% 5.38%-15.61% -0.66%4.55%Net Stage 3 (%)2.38% 2.49% 2.57% 2.68%-11.19% -4.42%2.64%Coverage Ratio (%) Stage 348.77% 46.70% 44.31% 51.64%-5.56% 4.43%43.28%Gross Stage 2196,228.4 192,794.9 196,152.7 168,640.7 16.36% 1.78%179,156.0 ECL provision-Stage 216,273.6 15,841.8 16,187.0 13,285.5 22.49% 2.73%14,286.0 Net Stage 2179,954.8 176,953.1 179,965.7 155,355.2 15.83% 1.70%164,870.0 Gross Stage 2 (%)6.78% 6.92% 7.29% 6.71%1.04% -2.02%6.89%ECL provision (%) Stage 28.29% 8.22% 8.25% 7.88%5.20% 0.85%7.97%Gross Stage 12,565,899.1 2,465,673.2 2,374,122.9 2,207,825.5 16.22% 4.06%2,301,615.0 ECL provision-Stage 189,451.9 86,292.4 82,675.2 77,431.7 15.52% 3.66%79,701.0 Net Stage 12,476,447.2 2,379,380.8 2,291,447.7 2,130,393.8 16.24% 4.08%2,221,914.0 Gross Stage 1 (%)88.68% 88.51% 88.18% 87.90%0.89% 0.19%88.55%ECL provision (%) Stage 13.49% 3.50% 3.48% 3.51%-0.57% -0.29%3.46%
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#TogetherWeSoar Product-wise Provision Analysis – December’25 12 Particulars (Rs. mn)Commercial VehiclesPassenger VehiclesConstruction EquipmentFarm EquipmentMSME Two Wheeler Gold LoanPersonal LoansTotalGross Stage 3 62,136.8 23,918.4 9,788.3 3,832.8 19,969.6 5,810.9 1,249.2 4,508.4 131,214.4 ECL provision-Stage 3 28,485.6 11,115.1 4,477.6 1,863.0 11,620.1 3,274.1 123.5 3,037.2 63,996.2 Net Stage 3 33,651.2 12,803.3 5,310.7 1,969.8 8,349.5 2,536.8 1,125.7 1,471.2 67,218.2 Gross Stage 3 (%) 4.71% 3.82% 6.95% 5.86% 4.90% 3.34% 2.21% 4.32% 4.54%Net Stage 3 (%) 2.61% 2.08% 3.90% 3.10% 2.11% 1.49% 2.00% 1.45% 2.38%Coverage Ratio (%) Stage 3 45.84% 46.47% 45.74% 48.61% 58.19% 56.34% 9.89% 67.37% 48.77%Gross Stage 2 86,369.6 39,273.5 10,460.8 4,880.3 30,121.7 11,618.3 5,250.8 8,253.5 196,228.4 ECL provision-Stage 2 6,898.9 3,231.3 735.8 660.8 3,423.3 555.1 22.1 746.4 16,273.6 Net Stage 2 79,470.7 36,042.2 9,725.0 4,219.5 26,698.4 11,063.2 5,228.7 7,507.1 179,954.8 Gross Stage 2 (%) 6.55% 6.27% 7.43% 7.46% 7.39% 6.69% 9.30% 7.90% 6.78%ECL provision (%) Stage 2 7.99% 8.23% 7.03% 13.54% 11.36% 4.78% 0.42% 9.04% 8.29%Gross Stage 1 1,170,360.6 562,956.8 120,519.2 56,713.2 357,438.8 156,291.5 49,942.0 91,677.1 2,565,899.1 ECL provision-Stage 1 34,413.0 17,465.3 3,466.7 3,480.2 19,080.5 5,083.1 210.3 6,252.9 89,451.9 Net Stage 1 1,135,947.6 545,491.5 117,052.5 53,233.0 338,358.3 151,208.4 49,731.7 85,424.2 2,476,447.2 Gross Stage 1 (%) 88.74% 89.91% 85.62% 86.68% 87.71% 89.97% 88.48% 87.78% 88.68%ECL provision (%) Stage 1 2.94% 3.10% 2.88% 6.14% 5.34% 3.25% 0.42% 6.82% 3.49%
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#TogetherWeSoar Commercial Vehicles 13 Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25Gross Stage 362,136.8 60,678.4 58,821.9 67,438.4 -7.86% 2.40%57,071.3 ECL provision-Stage 328,485.6 27,083.7 24,627.3 35,412.0 -19.56% 5.18%23,430.4 Net Stage 333,651.2 33,594.7 34,194.6 32,026.4 5.07% 0.17%33,640.9 Gross Stage 3 (%)4.71% 4.79% 4.84% 5.91%-20.30% -1.67%4.88%Net Stage 3 (%)2.61% 2.71% 2.87% 2.89%-9.69% -3.69%2.94%Coverage Ratio (%) Stage 345.84% 44.63% 41.87% 52.51%-12.70% 2.71%41.05%Gross Stage 286,369.6 85,745.4 87,677.0 75,626.2 14.21% 0.73%77,882.3 ECL provision-Stage 26,898.9 6,740.3 6,833.8 5,861.3 17.70% 2.35%5,944.1 Net Stage 279,470.7 79,005.1 80,843.2 69,764.9 13.91% 0.59%71,938.2 Gross Stage 2 (%)6.55% 6.77% 7.21% 6.62%-1.06% -3.25%6.66%ECL provision (%) Stage 27.99% 7.86% 7.79% 7.75%3.10% 1.65%7.63%Gross Stage 11,170,360.6 1,120,260.6 1,068,899.3 998,660.0 17.19% 4.47%1,034,097.5 ECL provision-Stage 134,413.0 32,939.8 31,429.1 30,703.8 12.08% 4.47%30,405.7 Net Stage 11,135,947.6 1,087,320.8 1,037,470.2 967,956.2 17.36% 4.47%1,003,691.8 Gross Stage 1 (%)88.74% 88.44% 87.95% 87.47%1.45% 0.34%88.46%ECL provision (%) Stage 12.94% 2.94% 2.94% 3.07%-4.23% 0.00%2.94%
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#TogetherWeSoar Passenger Vehicles 14 Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25Gross Stage 323,918.4 22,791.6 23,055.9 25,931.4 -7.76% 4.94%22,393.2 ECL provision-Stage 311,115.1 10,218.7 9,609.3 12,743.2 -12.78% 8.77%9,123.3 Net Stage 312,803.3 12,572.9 13,446.6 13,188.2 -2.92% 1.83%13,269.9 Gross Stage 3 (%)3.82% 3.87% 4.13% 5.09%-24.95% -1.29%4.21%Net Stage 3 (%)2.08% 2.17% 2.45% 2.65%-21.51% -4.15%2.54%Coverage Ratio (%) Stage 346.47% 44.84% 41.68% 49.14%-5.43% 3.64%40.74%Gross Stage 239,273.5 38,846.5 40,356.9 31,617.9 24.21% 1.10%35,184.4 ECL provision-Stage 23,231.3 3,113.5 3,227.0 2,606.5 23.97% 3.78%2,777.6 Net Stage 236,042.2 35,733.0 37,129.9 29,011.4 24.23% 0.87%32,406.8 Gross Stage 2 (%)6.27% 6.60% 7.23% 6.21%0.97% -5.00%6.62%ECL provision (%) Stage 28.23% 8.01% 8.00% 8.24%-0.12% 2.75%7.89%Gross Stage 1562,956.8 526,809.9 494,867.6 451,982.5 24.55% 6.86%474,302.8 ECL provision-Stage 117,465.3 16,338.5 15,341.9 15,093.7 15.71% 6.90%14,699.2 Net Stage 1545,491.5 510,471.4 479,525.7 436,888.8 24.86% 6.86%459,603.6 Gross Stage 1 (%)89.91% 89.53% 88.64% 88.71%1.35% 0.42%89.17%ECL provision (%) Stage 13.10% 3.10% 3.10% 3.34%-7.19% 0.00%3.10%
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#TogetherWeSoar Construction Equipments 15 Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25Gross Stage 39,788.3 10,291.1 9,691.5 11,580.8 -15.48% -4.89%9,937.6 ECL provision-Stage 34,477.6 4,439.4 3,935.8 5,818.5 -23.05% 0.86%3,971.7 Net Stage 35,310.7 5,851.7 5,755.7 5,762.3 -7.84% -9.25%5,965.9 Gross Stage 3 (%)6.95% 6.77% 5.93% 6.58%5.62% 2.66%5.63%Net Stage 3 (%)3.90% 3.97% 3.61% 3.38%15.38% -1.76%3.46%Coverage Ratio (%) Stage 345.74% 43.14% 40.61% 50.24%-8.96% 6.03%39.97%Gross Stage 210,460.8 11,187.6 11,372.5 11,466.9 -8.77% -6.50%11,229.7 ECL provision-Stage 2735.8 820.1 832.3 1,022.3 -28.03% -10.28%841.0 Net Stage 29,725.0 10,367.5 10,540.2 10,444.6 -6.89% -6.20%10,388.7 Gross Stage 2 (%)7.43% 7.36% 6.96% 6.51%14.13% 0.95%6.36%ECL provision (%) Stage 27.03% 7.33% 7.32% 8.92%-21.19% -4.09%7.49%Gross Stage 1120,519.2 130,502.8 142,312.2 153,080.5 -21.27% -7.65%155,349.2 ECL provision-Stage 13,466.7 3,753.8 4,093.3 5,431.3 -36.17% -7.65%4,468.4 Net Stage 1117,052.5 126,749.0 138,218.9 147,649.2 -20.72% -7.65%150,880.8 Gross Stage 1 (%)85.62% 85.87% 87.11% 86.91%-1.48% -0.29%88.01%ECL provision (%) Stage 12.88% 2.88% 2.88% 3.55%-18.87% 0.00%2.88%
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#TogetherWeSoar Farm Equipments 16 Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25Gross Stage 33,832.8 4,178.5 4,392.7 4,102.9 -6.58% -8.27%4,063.4 ECL provision-Stage 31,863.0 1,782.4 1,762.1 1,810.8 2.88% 4.52%1,578.3 Net Stage 31,969.8 2,396.1 2,630.6 2,292.1 -14.06% -17.79%2,485.1 Gross Stage 3 (%)5.86% 6.79% 7.59% 8.71%-32.72% -13.70%7.88%Net Stage 3 (%)3.10% 4.01% 4.69% 5.06%-38.74% -22.69%4.97%Coverage Ratio (%) Stage 348.61% 42.66% 40.11% 44.13%10.15% 13.95%38.84%Gross Stage 24,880.3 4,872.8 6,229.9 4,829.1 1.06% 0.15%5,755.9 ECL provision-Stage 2660.8 668.8 879.2 501.2 31.84% -1.20%766.1 Net Stage 24,219.5 4,204.0 5,350.7 4,327.9 -2.51% 0.37%4,989.8 Gross Stage 2 (%)7.46% 7.92% 10.77% 10.25%-27.22% -5.81%11.17%ECL provision (%) Stage 213.54% 13.73% 14.11% 10.38%30.44% -1.38%13.31%Gross Stage 156,713.2 52,462.4 47,245.3 38,168.9 48.58% 8.10%41,724.5 ECL provision-Stage 13,480.2 3,218.6 2,898.3 1,798.4 93.51% 8.13%2,559.6 Net Stage 153,233.0 49,243.8 44,347.0 36,370.5 46.36% 8.10%39,164.9 Gross Stage 1 (%)86.68% 85.29% 81.64% 81.04%6.96% 1.63%80.95%ECL provision (%) Stage 16.14% 6.14% 6.13% 4.71%30.36% 0.00%6.13%
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#TogetherWeSoar MSME 17 Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25Gross Stage 319,969.6 18,582.3 15,854.6 16,241.6 22.95% 7.47%15,104.9 ECL provision-Stage 311,620.1 10,281.1 8,549.4 9,408.9 23.50% 13.02%7,996.5 Net Stage 38,349.5 8,301.2 7,305.2 6,832.7 22.20% 0.58%7,108.4 Gross Stage 3 (%)4.90% 4.61% 4.12% 4.75%3.16% 6.29%4.08%Net Stage 3 (%)2.11% 2.11% 1.94% 2.06%2.43% 0.00%1.96%Coverage Ratio (%) Stage 358.19% 55.33% 53.92% 57.93%0.45% 5.17%52.94%Gross Stage 230,121.7 28,588.5 28,087.0 24,740.0 21.75% 5.36%27,750.5 ECL provision-Stage 23,423.3 3,297.0 3,226.4 2,231.1 53.43% 3.83%2,845.9 Net Stage 226,698.4 25,291.5 24,860.6 22,508.9 18.61% 5.56%24,904.6 Gross Stage 2 (%)7.39% 7.10% 7.31% 7.24%2.07% 4.08%7.50%ECL provision (%) Stage 211.36% 11.53% 11.49% 9.02%25.94% -1.47%10.26%Gross Stage 1357,438.8 355,680.3 340,453.4 300,709.1 18.87% 0.49%327,042.2 ECL provision-Stage 119,080.5 18,953.8 17,840.4 13,867.7 37.59% 0.67%17,017.4 Net Stage 1338,358.3 336,726.5 322,613.0 286,841.4 17.96% 0.48%310,024.8 Gross Stage 1 (%)87.71% 88.29% 88.57% 88.01%-0.34% -0.66%88.41%ECL provision (%) Stage 15.34% 5.33% 5.24% 4.61%15.84% 0.19%5.20%
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#TogetherWeSoar Two Wheelers 18 Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25Gross Stage 35,810.9 5,111.8 5,014.8 4,867.9 19.37% 13.68%4,809.2 ECL provision-Stage 33,274.1 2,737.9 2,853.9 2,314.5 41.46% 19.58%2,672.3 Net Stage 32,536.8 2,373.9 2,160.9 2,553.4 -0.65% 6.86%2,136.9 Gross Stage 3 (%)3.34% 3.29% 3.16% 3.16%5.70% 1.52%3.09%Net Stage 3 (%)1.49% 1.55% 1.39% 1.68%-11.31% -3.87%1.40%Coverage Ratio (%) Stage 356.34% 53.56% 56.91% 47.55%18.49% 5.19%55.57%Gross Stage 211,618.3 10,177.6 9,970.9 8,906.1 30.45% 14.16%9,564.8 ECL provision-Stage 2555.1 489.9 522.1 490.2 13.23% 13.31%479.0 Net Stage 211,063.2 9,687.7 9,448.8 8,415.9 31.46% 14.20%9,085.8 Gross Stage 2 (%)6.69% 6.54% 6.29% 5.78%15.74% 2.29%6.14%ECL provision (%) Stage 24.78% 4.81% 5.24% 5.50%-13.09% -0.62%5.01%Gross Stage 1156,291.5 140,224.1 143,577.3 140,335.0 11.37% 11.46%141,431.6 ECL provision-Stage 15,083.1 4,557.8 4,666.8 5,118.7 -0.69% 11.53%4,592.6 Net Stage 1151,208.4 135,666.3 138,910.5 135,216.3 11.83% 11.46%136,839.0 Gross Stage 1 (%)89.97% 90.17% 90.55% 91.06%-1.20% -0.22%90.77%ECL provision (%) Stage 13.25% 3.25% 3.25% 3.65%-10.96% 0.00%3.25%
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#TogetherWeSoar Gold 19 Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25Gross Stage 31,249.2 1,218.1 1,063.4 1,119.0 11.64% 2.55%996.6 ECL provision-Stage 3123.5 108.4 99.0 114.6 7.77% 13.88%98.0 Net Stage 31,125.7 1,109.7 964.4 1,004.4 12.08% 1.44%898.6 Gross Stage 3 (%)2.21% 2.28% 2.06% 2.04%8.33% -3.07%2.06%Net Stage 3 (%)2.00% 2.08% 1.87% 1.83%9.29% -3.85%1.86%Coverage Ratio (%) Stage 39.89% 8.90% 9.31% 10.24%-3.42% 11.12%9.84%Gross Stage 25,250.8 5,181.3 4,654.5 4,609.8 13.91% 1.34%4,263.1 ECL provision-Stage 222.1 21.8 19.6 21.8 1.31% 1.29%18.0 Net Stage 25,228.7 5,159.5 4,634.9 4,588.0 13.97% 1.34%4,245.1 Gross Stage 2 (%)9.30% 9.71% 9.03% 8.40%10.71% -4.22%8.81%ECL provision (%) Stage 20.42% 0.42% 0.42% 0.47%-10.64% 0.00%0.42%Gross Stage 149,942.0 46,963.8 45,822.6 49,151.9 1.61% 6.34%43,107.4 ECL provision-Stage 1210.3 197.8 193.0 232.6 -9.59% 6.33%181.5 Net Stage 149,731.7 46,766.0 45,629.6 48,919.3 1.66% 6.34%42,925.9 Gross Stage 1 (%)88.48% 88.01% 88.91% 89.56%-1.21% 0.53%89.13%ECL provision (%) Stage 10.42% 0.42% 0.42% 0.47%-10.64% 0.00%0.42%
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#TogetherWeSoar Personal Loans 20 Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) FY25Gross Stage 34,508.4 4,510.8 4,099.9 3,929.8 14.72% -0.05%4,011.6 ECL provision-Stage 33,037.2 2,826.8 2,625.2 2,195.9 38.31% 7.44%2,372.8 Net Stage 31,471.2 1,684.0 1,474.7 1,733.9 -15.15% -12.64%1,638.8 Gross Stage 3 (%)4.32% 4.28% 3.99% 4.54%-4.85% 0.93%4.17%Net Stage 3 (%)1.45% 1.64% 1.47% 2.06%-29.61% -11.59%1.75%Coverage Ratio (%) Stage 367.37% 62.67% 64.03% 55.88%20.56% 7.50%59.15%Gross Stage 28,253.5 8,195.1 7,804.0 6,844.8 20.58% 0.71%7,525.1 ECL provision-Stage 2746.4 690.4 646.5 550.9 35.48% 8.11%614.8 Net Stage 27,507.1 7,504.7 7,157.5 6,293.9 19.28% 0.03%6,910.3 Gross Stage 2 (%)7.90% 7.77% 7.59% 7.91%-0.13% 1.67%7.83%ECL provision (%) Stage 29.04% 8.42% 8.28% 8.05%12.30% 7.36%8.17%Gross Stage 191,677.1 92,769.3 90,945.3 75,737.6 21.05% -1.18%84,560.3 ECL provision-Stage 16,252.9 6,332.4 6,212.5 5,185.5 20.58% -1.25%5,776.9 Net Stage 185,424.2 86,436.9 84,732.8 70,552.1 21.08% -1.17%78,783.4 Gross Stage 1 (%)87.78% 87.95% 88.43% 87.55%0.26% -0.19%87.99%ECL provision (%) Stage 16.82% 6.83% 6.83% 6.85%-0.44% -0.15%6.83%
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#TogetherWeSoar21 Well entrenched Pan India NetworkState/UT wise Branches Metro UrbanSemi-Urban and RuralTotalAndaman and Nicobar Islands - 1 - 1 Andhra Pradesh 9 94 202 305 Assam - 11 20 31 Bihar 4 44 44 92 Chandigarh 3 - - 3 Chhattisgarh 5 17 47 69 Dadra and Nagar Haveli - 1 - 1 Delhi 18 2 - 20 Goa - 4 1 5 Gujarat 19 39 45 103 Haryana 4 34 32 70 Himachal Pradesh - 2 42 44 Jammu and Kashmir 1 4 12 17 Jharkhand 7 11 18 36 Karnataka 26 60 142 228 Kerala 5 60 59 124 Madhya Pradesh 17 55 127 199 Maharashtra 58 71 165 294
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#TogetherWeSoar Well entrenched Pan India Network (Contd.) 22 Customers EmployeesBusiness Team Branch OfficesRural Centres State/UT wise Branches Metro UrbanSemi-Urban and RuralTotalManipur - - 1 1 Meghalaya - 1 - 1 Odisha - 14 42 56 Puducherry - 9 5 14 Punjab 10 36 29 75 Rajasthan 15 52 85 152 Sikkim - 1 2 3 Tamil Nadu 73 306 395 774 Telangana 4 92 134 230 Tripura - 4 1 5 Uttar Pradesh 32 98 51 181 Uttarakhand - 16 4 20 West Bengal 6 2 63 71 Grand Total 316 1,141 1,768 3,225
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#TogetherWeSoar Branch & AUM distribution – Q3 FY26 vs Q3 FY25 23 Branch (Nos) AUM (Rs bn) Total Branch 3,196Total AUMRs 2,544.7 bnTotal Branch 3,225Total AUMRs 2,917.1 bnMetro branches represents places where population is 10 lakh and aboveUrban branches represents places where population is in between 1 lakh to 10 lakhRural and Semi-Urban branches represents places where population is upto 1 Lakh
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#TogetherWeSoar24 Shriram One App SummaryStrategic Digital Metrics for Q3 FY26 Particulars Unit # Q3 FY26 Q2 FY26 Q3 FY25 App downloads - Cumulative in mn 20.50 19.00 10.70 App Net installs - Cumulative in mn 16.40 15.00 8.00 In-App modules – Cumulative count 168 165 149 Non Shriram Customers Installing the app - Cummulative in mn 14.30 12.90 7.50 Total traffic on Web in mn 7.40 9.10 9.20 Web domain authority score 59 55 55 Service requests resolved on App and Web count 21,312 24,738 13,990 UPI handles - Cumulative in mn 6.40 5.80 2.50# Represents Absolute NumberAll cumulative values are reported since inception
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#TogetherWeSoar25Financial Statement
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#TogetherWeSoar P&L Statement 26*Exceptional item (net of expenses) on Sale of subsidiary (SHFL) Rs. 16,567.7 mn (less tax impact of Rs. 1,673.8 mn in FY25) Particulars (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) 9M FY26 9M FY25 YoY (%) FY25Interest income 120,747.9 118,252.0 114,631.4 106,031.4 13.88% 2.11% 353,631.3 301,289.2 17.37% 414,564.1 Interest expended 53,107.0 55,583.6 54,367.1 47,804.5 11.09% -4.46% 163,057.7 133,450.2 22.19% 186,213.2 Net interest income 67,640.9 62,668.4 60,264.3 58,226.9 16.17% 7.93% 190,573.6 167,839.0 13.55% 228,350.9 Staff cost 12,372.7 9,439.3 9,764.7 9,704.1 27.50% 31.08% 31,576.7 27,454.3 15.02% 36,511.6 Other Operating expenditure 9,715.7 9,695.1 9,342.1 8,653.5 12.27% 0.21% 28,752.9 23,743.7 21.10% 33,142.0 Operating expenditure 22,088.4 19,134.4 19,106.8 18,357.6 20.32% 15.44% 60,329.6 51,198.0 17.84% 69,653.6 Core operating profit 45,552.5 43,534.0 41,157.5 39,869.3 14.25% 4.64% 130,244.0 116,641.0 11.66% 158,697.3 Other income 1,152.7 899.5 766.7 980.5 17.56% 28.15% 2,818.9 2,615.4 7.78% 3,911.8 Operating profit 46,705.2 44,433.5 41,924.2 40,849.8 14.33% 5.11% 133,062.9 119,256.4 11.58% 162,609.1 Loan Losses & Provisions 13,103.2 13,333.3 12,856.9 13,258.3 -1.17% -1.73% 39,293.4 37,483.7 4.83% 53,116.6 Profit before tax (excluding exceptional items)* - (A) 33,602.0 31,100.2 29,067.3 27,591.5 21.78% 8.04% 93,769.5 81,772.7 14.67% 109,492.5 Tax (excluding exceptional items) - (C) 8,385.3 8,028.4 7,510.0 6,787.8 23.53% 4.45% 23,923.7 20,450.5 16.98% 26,776.4 Profit after tax (excluding exceptional items)* 25,216.7 23,071.8 21,557.3 20,803.7 21.21% 9.30% 69,845.8 61,322.2 13.90% 82,716.1 Exceptional income (net of expense) - (B) - - - 16,567.7 -100.00% - - 16,567.7 -100.00% 16,567.7 Tax on exceptional items - (D) - - - 1,673.8 -100.00%- - 1,673.8 -100.00% 1,673.8 Exceptional income (net of expense) (net of tax) - - - 14,893.9 -100.00% - - 14,893.9 -100.00%14,893.9 Profit before tax (including exceptional items) - (A+B) 33,602.0 31,100.2 29,067.3 44,159.2 -23.91% 8.04% 93,769.5 98,340.4 -4.65% 126,060.2 Tax (including exceptional items) - (C + D) 8,385.3 8,028.4 7,510.0 8,461.6 -0.90% 4.45% 23,923.7 22,124.3 8.13% 28,450.2 Profit after tax (including exceptional items) - (A+B-C-D) 25,216.7 23,071.8 21,557.3 35,697.6 -29.36% 9.30% 69,845.8 76,216.1 -8.36% 97,610.0 Other comprehensive Income (Net) 686.6 1,842.1 377.6 1,130.1 -39.24% -62.73% 2,906.3 1,880.9 54.52% (1,931.3) Total Comprehensive Income 25,903.3 24,913.9 21,934.9 36,827.7 -29.66% 3.97% 72,752.1 78,097.0 -6.84% 95,678.7 EPS (including exceptional items) (in Rs.) 13.40 12.27 11.46 18.99 -29.44% 9.21% 37.14 40.55 -8.41% 51.92 EPS (excluding exceptional items) (in Rs.) 13.40 12.27 11.46 11.07 21.05% 9.21% 37.14 32.62 13.86% 44.00
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#TogetherWeSoar Summarised Balance Sheet 27 Particulars (Rs. mn) Dec-25 Sep-25 Jun-25 Dec-24 YoY(%) QoQ (%) Mar-25I. AssetsFinancial Assetsa) Cash and bank balances 162,323.3 101,482.0 256,904.4 219,065.5 -25.90% 59.95% 213,657.4 b) Loans 2,723,620.2 2,624,218.0 2,539,346.3 2,351,142.6 15.84% 3.79% 2,453,927.9 c) Investments 159,908.8 132,843.0 136,622.3 114,971.5 39.09% 20.37% 155,987.1 d) Other-financial assets 58,378.4 54,676.7 52,213.0 52,606.5 10.97% 6.77% 40,418.5 Non-financial Assetsa) Goodwill 11,894.5 11,894.5 11,894.5 11,894.5 0.00% 0.00% 11,894.5 b) Other non-financial assets 66,059.3 64,750.3 63,660.1 70,230.7 -5.94% 2.02% 61,735.1 c) Assets held for Sale 9.7 9.7 9.7 9.7 0.00% 0.00% 9.7 Total Assets 3,182,194.2 2,989,874.2 3,060,650.3 2,819,921.0 12.85% 6.43% 2,937,630.2 II. Liabilities and EquityFinancial Liabilitiesa) Debts 2,517,318.4 2,343,093.8 2,429,112.6 2,234,596.9 12.65% 7.44% 2,341,972.5 b) Other financial liabilities 32,295.4 30,717.9 35,292.0 27,439.7 17.70% 5.14% 26,209.8 Non-financial Liabilities 11,651.4 12,022.1 11,490.5 7,959.5 46.38% -3.08% 6,642.2 Total Equity 620,929.0 604,040.4 584,755.2 549,924.9 12.91% 2.80% 562,805.7 Total Liabilities and Equity 3,182,194.2 2,989,874.2 3,060,650.3 2,819,921.0 12.85% 6.43% 2,937,630.2
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#TogetherWeSoar Key Metrics – Q3 & 9M FY26 28*Exceptional item (net of expenses) on Sale of subsidiary (SHFL) Rs. 16,567.7 mn (less tax impact of Rs. 1,673.8 mn in FY25)P&L Metrics (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) 9M FY26 9M FY25 YoY (%) FY25Interest Income 120,747.9 118,252.0 114,631.4 106,031.4 13.88% 2.11% 353,631.3 301,289.2 17.37% 414,564.1 Less: Interest Expenses 53,107.0 55,583.6 54,367.1 47,804.5 11.09% -4.46% 163,057.7 133,450.2 22.19% 186,213.2 Net Interest Income 67,640.9 62,668.4 60,264.3 58,226.9 16.17% 7.93% 190,573.6 167,839.0 13.55% 228,350.9 Other Operating Income & Other Income 1,152.7 899.5 766.7 980.5 17.56% 28.15% 2,818.9 2,615.4 7.78% 3,911.8 Profit After Tax (including exceptional items)*25,216.7 23,071.8 21,557.3 35,697.6 -29.36% 9.30% 69,845.8 76,216.1 -8.36% 97,610.0 Exceptional income (net of expense) (net of tax)- - - 14,893.9 -100.00% - - 14,893.9 -100.00% 14,893.9 Profit After Tax (excluding exceptional items)*25,216.7 23,071.8 21,557.3 20,803.7 21.21% 9.30% 69,845.8 61,322.2 13.90% 82,716.1 EPS (including exceptional items) (in Rs.) 13.40 12.27 11.46 18.99 -29.44% 9.21% 37.14 40.55 -8.41% 51.92 EPS (excluding exceptional items) (in Rs.) 13.40 12.27 11.46 11.07 21.05% 9.21% 37.14 32.62 13.86% 44.00 Cost to income Ratio (%) 29.66% 27.76% 29.29% 28.59% 3.74% 6.84% 28.92% 28.01% 3.25% 27.91%NIM 8.58% 8.19% 8.11% 8.48% 1.18% 4.76% 8.30% 8.67% -4.27% 8.55%
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#TogetherWeSoar Key Metrics – Q3 & 9M FY26 (Contd.) 29*Exceptional item (net of expenses) on Sale of subsidiary (SHFL) Rs. 16,567.7 mn (less tax impact of Rs. 1,673.8 mn in FY25)Balance Sheet Metrics (Rs. mn) Q3 FY26 Q2 FY26 Q1 FY26 Q3 FY25 YoY (%) QoQ (%) 9M FY26 9M FY25 YoY (%) FY25Networth 622,302.3 606,100.2 588,657.2 550,392.2 13.07% 2.67% 622,302.3 550,392.2 13.07% 567,085.3 Book Value (Rs.) 330.04 321.13 310.93 292.47 12.85% 2.77% 330.04 292.47 12.85% 299.30Interest Coverage (x) 2.30 2.14 2.12 2.24 2.68% 7.48% 2.19 2.28 -3.95% 2.25 ROA (%) (including Exceptional Items) 3.09% 2.89% 2.76% 4.94% -37.45% 6.92% 2.91% 3.75% -22.40% 3.51%ROA (%) (excluding Exceptional Items)* 3.09% 2.89% 2.76% 2.88% 7.29% 6.92% 2.91% 3.01% -3.32% 2.98%ROE (%) (including Exceptional Items) 16.33% 15.40% 15.07% 26.44% -38.24% 6.04% 15.62% 19.65% -20.51% 18.58%ROE (%) (excluding Exceptional Items)* 16.33% 15.40% 15.07% 15.41% 5.97% 6.04% 15.36% 15.81% -2.85% 15.75%Tier I CRAR % 19.66% 19.98% 20.16% 20.34% -3.34% -1.60% 19.66% 20.34% -3.34% 20.03%Tier II CRAR % 0.61% 0.70% 0.63% 0.66% -7.58% -12.86% 0.61% 0.66% -7.58% 0.63%Total CRAR % 20.27% 20.68% 20.79% 21.00% -3.48% -1.98% 20.27% 21.00% -3.48% 20.66%
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#TogetherWeSoar30Borrowing Profile
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#TogetherWeSoar Borrowing Profile 31 Amt in bn % Amt in bn % Amt in bn % Amt in bn %Commercial Paper - - - - - - 12.9 0.58%Non-Convertible Debentures 401.0 15.9% 395.3 16.87% 396.1 16.31% 373.2 16.70%Public Deposit 678.7 27.0% 655.8 27.99% 630.3 25.95% 533.6 23.88%Securitisation 400.0 15.9% 373.9 15.96% 388.2 15.98% 390.4 17.47%Subordinated debts 24.6 1.0% 24.7 1.05% 24.8 1.02% 25.6 1.15%Term Loan 516.4 20.5% 407.0 17.37% 493.3 20.31% 479.5 21.46%External Commercial Bond 124.4 4.9% 124.3 5.30% 157.5 6.48% 157.1 7.03%ECB Loans 372.2 14.8% 362.1 15.45% 338.1 13.92% 261.4 11.70%Other Loans - - - - 0.8 0.03% 0.9 0.03%Total 2,517.3 100.0% 2,343.1 100.00% 2,429.1 100.00% 2,234.6 100.00%ProductQ3 FY25Q1 FY26Q2 FY26Q3 FY26
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#TogetherWeSoar ALM Statement as on December 31, 2025 32Liquidity Coverage Ratio was 334.93% as on December 31, 2025.Particulars (Rs. mn) One monthOver one month to 2 monthsOver 2 months to 3 months Over 3 months to 6 months Over 6 months to one yearOver one year to 3 yearsOver 3 to 5 years Over 5 years TotalTotal Outflows 91,304.8 38,685.5 93,545.6 255,297.6 318,875.9 1,232,509.1 380,591.7 811,563.1 3,222,373.3 Total Inflows 233,000.8 131,034.4 113,546.2 286,643.0 516,429.2 1,329,282.5 364,832.9 216,040.1 3,190,809.1 Mi s ma tch or Surplus /(Defici t) 141,696.0 92,348.9 20,000.6 31,345.4 197,553.3 96,773.4 (15,758.8) (595,523.0) (31,564.2)Cum. Mis match or Surplus/(Defi cit) 141,696.0 234,044.9 254,045.5 285,390.9 482,944.2 579,717.6 563,958.8 (31,564.2)
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#TogetherWeSoar33Shareholding
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#TogetherWeSoar Shareholding Pattern as on December 31, 2025 vs December 31, 2024 34 No. of shares outstanding: 376.1 mnNo. of shares outstanding: 1881.4**mn Details of Promoters/Promoter Group* Holding (%)Shriram Capital Private Limited 17.86%(Formerly Shriram Financial Ventures (Chennai) Private Limited)Shriram Value Services Limited 7.11%Shriram Ownership Trust 0.02%Sanlam Life Insurance Limited 0.41%Total 25.40%**Post Share Split Details of Promoters/Promoter Group* Holding (%)Shriram Capital Private Limited 17.84%(Formerly Shriram Financial Ventures (Chennai) Private Limited)Shriram Value Services Limited 7.11%Shriram Ownership Trust 0.02%Sanlam Life Insurance Limited 0.41%Total 25.38%
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#TogetherWeSoar List of Key Shareholders as on December 31, 2025 35 Key ShareholdersCurrent Shareholding (mn Shares) % Promoter and Promoter Group Shriram Capital Private Limited 335.7 17.84Shriram Value Services Limited 133.8 7.11Shriram Ownership Trust 0.3 0.02Sanlam Life Insurance Limited 7.8 0.41Total Promoter and Promoter Group Holding 477.6 25.38Government of Singapore 87.7 4.66SBI Mutual Fund - (under different sub accounts) 43.9 2.33NPS Trust a/c - (under different sub accounts) 41.1 2.18Kotak Mahindra Mutual Fund - (under different sub accounts) 36.5 1.94 Government Pension Fund Global 24.2 1.29UTI Mid Cap Fund - (under different sub accounts) 20.9 1.11 Monetary Authority of Singapore - (under different sub accounts) 19.4 1.03SBI Life Insurance Co.Ltd 19.0 1.01Public and Others 1,111.1 59.05Total 1,881.4 100.00
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#TogetherWeSoar36Shriram Automall India Limited (SAMIL)
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#TogetherWeSoar Business Overview 37 Shriram Automall India Limited (SAMIL), an ISO 9001:2015 & Great Place To Work certified company, isIndia’s Largest Phygital Marketplace for Pre-owned Vehicles, Equipment, and other Assets. Founded in 2011,SAMIL pioneered India’s first professionally managed auction platform for pre-owned cars, commercialvehicles, construction equipment, farm equipment, two-wheelers, three-wheelers, and more.Backed by CarTrade Tech Limited and Shriram Finance Limited, SAMIL operates through a robust pan-Indianetwork of over 135 Automalls and a team of 1,500+ professionals. The company conducts thousands ofauctions every month through Physical Automalls, Phygital platforms via the MySAMIL App, and digitalchannels including cartradeexchange.com and bids.samil.in. Through gold.samil.in, SAMIL also facilitatessecure and transparent gold auctions for banks and financial institutions.Beyond auctions, SAMIL offers end-to-end services across the pre-owned asset lifecycle. Adroit Auto deliversinspection, valuation, and claim settlement services; ThePriceX provides data-driven pricing intelligence; andAugeo enables auctions of properties, plant & machinery, commodities, scrap, salvage, and surplus assets.To date, SAMIL has served over 2.8 mn customers and a wide spectrum of sellers, including Banks, NBFCs,Insurance Companies, OEMs, Dealers, Leasing and Rental Companies, Aggregators, Brokers, Transporters,Contractors, and End Users.For more information, visit www.samil.in.
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#TogetherWeSoar Business Overview (Contd.) 38 Revenue from operation earned Rs. 656.3 mn in Q3 FY26 as against Rs. 585.8 mn in Q3 FY25.Profit after Tax (PAT): Q3 FY26 Rs. 127.1 mn vs Q3 FY25 Rs. 75.8 mn; 9M FY26 Rs. 320.2 mn vs 9M FY25 Rs.178.0 mn.SFL Share in Net Profit of SAMIL: Q3 FY26 Rs. 56.7 mn vs Q3 FY25 Rs. 33.8 mn; 9M FY26 Rs. 142.7 mn vs 9MFY25 Rs. 79.3 mn.SFL Share in Net Profit of SAMIL for FY25 Rs. 123.1 mn.
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#TogetherWeSoar39Shriram Overseas Investment Limited (SOIL)
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#TogetherWeSoar Business Overview 40 Shriram Overseas Investments Limited (SOIL), formerly known as Shriram Overseas Investments Private Limited (SOIPL) is a middle layer non-banking finance company.Shriram Finance Limited (SFL) acquired 100% stake in SOIPL (now, renamed as Shriram Overseas Investment Limited w.e.f. June 04, 2025) and SOIPL became wholly-owned subsidiary of SFL on May 09, 2025.SOIL holds 81.63% stake in Bharat Investments Pte. Limited (Singapore) which in turn has an associate -Armour Insurance Services WLL (Bahrain).The Company, its subsidiary and the associate of the subsidiary, are primarily engaged in the business of lending, insurance, financial product distribution, wealth management, broking and information technology.ConsolidatedRevenue from operation earned Rs. 50.1 mn in Q3 FY26 as against Rs. 6.4 mn in Q3 FY25.Profit after Tax (PAT) (including subsidiary and its associate) : Q3 FY26 Rs. 23.5 mn, Q3 FY25 Rs. 4.5 mn; 9M FY26 Rs. 45.9 mn, 9M FY25 Rs. 30.2 mn.
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#TogetherWeSoar Contact Us 41
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#TogetherWeSoar About Us 42 About Shriram Finance Ltd.Shriram Finance Limited is the flagship company of the Shriram group which has significant presence in Consumer Finance, Life Insurance,General Insurance, Housing Finance, Stock Broking and Distribution businesses. Shriram Finance Limited is one of India’s largest retail assetfinancing Non-Banking Finance Company (NBFC) with Assets under Management (AUM) above Rs 2.9 trillion. Recently Shriram City UnionFinance Limited and Shriram Capital Limited merged with Shriram Transport Finance Company Limited and was subsequently renamed asShriram Finance Limited. Established in 1979, Shriram Finance is holistic finance provider catering to the needs of Small Road TransportOperators and small business owners and is a leader in organised financing of pre-owned commercial vehicles and two wheelers. It hasvertically integrated business model and offers financing number of products which include passenger commercial vehicles, loans to micro andsmall and medium enterprises (MSMEs), tractors, gold, personal loans and working capital loans etc. Over last 46 years, it has developedstrong competencies in the areas of Loan origination, valuation of pre-owned commercial vehicles and other assets, and collections. It has a panindia presence with network of 3,225 branches and an employee strength of 77,724 servicing over 9.76 million customers.Forward Looking StatementCertain statements in this document with words or phrases such as “will”, “should”, etc., and similar expressions or variation of theseexpressions or those concerning our future prospects are forward looking statements. Actual results may differ materially from those suggestedby the forward looking statements due to a number of risks or uncertainties associated with the expectations. These risks and uncertaintiesinclude, but are not limited to, our ability to successfully implement our strategy and changes in government policies. The company may, fromtime to time, make additional written and oral forward looking statements, including statements contained in the company’s filings with the stockexchanges and our reports to shareholders. The company does not undertake to update any forward-looking statements that may be made fromtime to time by or on behalf of the company.
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#TogetherWeSoar43THANK YOU