Slides
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Investor Update - Q2 & H1 FY27 October 23, 2026
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#TogetherWeSoar Business Updates 2 ❖ The Board of Directors in their meeting held on October 23, 2026 declared interim dividend of (325%) Rs. 6.50 per equity share of face value of Rs. 2/- each fully paid up for the financial year 2026-27. The record date for the payment of interim dividend is October 29, 2026. The interim dividend will be paid to eligible Members before November 20, 2026, subject to deduction of tax at source as per the applicable rate(s) to the eligible shareholders.
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#TogetherWeSoar 3 Performance Highlights
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#TogetherWeSoar Performance Highlights – Q2 FY27 vs Q2 FY26 4 Total Income 15.79% Net Interest Income 38.20% PAT 59.37% EPS 27.38% Q2 FY27 Rs. 137,989.1 mn Q2 FY26 Rs. 119,167.3 mn Q2 FY27 Rs. 15.63 Q2 FY26 Rs. 12.27 Q2 FY27 Rs. 86,610.4 mn Q2 FY26 Rs. 62,668.4 mn Q2 FY27 Rs. 36,770.3 mn Q2 FY26 Rs. 23,071.8 mn
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#TogetherWeSoar Performance Highlights – H1 FY27 vs H1 FY26 5 Total Income 16.00% Net Interest Income 35.98% PAT 59.57% EPS 28.36% H1 FY27 Rs. 272,110.2 mn H1 FY26 Rs. 234,584.9 mn H1 FY27 Rs. 30.46 H1 FY26 Rs. 23.73 H1 FY27 Rs. 167,167.4 mn H1 FY26 Rs. 122,932.7 mn H1 FY27 Rs. 71,215.9 mn H1 FY26 Rs. 44,629.1 mn
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#TogetherWeSoar 6 AUM 16.96% Gross Stage 3 Assets 19.44% Net Stage 3 Assets 8.73% Book Value 47.17% Q2 FY27 Rs 3,290,217.2 mn Q2 FY26 Rs. 2,813,094.6 mn Q2 FY27 Rs. 73,807.6 mn Q2 FY26 Rs. 67,884.1 mn Q2 FY27 Rs. 472.60 Q2 FY26 Rs. 321.13 Performance Highlights – Q2 FY27 vs Q2 FY26 Q2 FY27 Rs. 152,127.0 mn Q2 FY26 Rs. 127,362.6 mn
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#TogetherWeSoar 7 Assets under Management (AUM), Provision Analysis and Geographical Distribution
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#TogetherWeSoar AUM Break-up 8 *Off Books pertains to Direct assignment portfolio Particulars (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 YoY (%) QoQ (%) FY26 Loan Portfolio - On Books Balance sheet assets 2,949,265.6 2,794,054.4 2,418,263.3 21.96% 5.56% 2,623,865.9 Securitised assets 325,668.2 326,073.2 367,567.3 -11.40% -0.12% 378,297.6 Total On books 3,274,933.8 3,120,127.6 2,785,830.6 17.56% 4.96% 3,002,163.5 - Off Books* 15,283.4 17,856.3 27,264.0 -43.94% -14.41% 20,574.0 Total AUM 3,290,217.2 3,137,983.9 2,813,094.6 16.96% 4.85% 3,022,737.5
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#TogetherWeSoar Segment-wise AUM Break-up 9 YoY (%) QoQ (%) Amt % Amt % Amt % Amt % Commercial Vehicles 1,530,302.2 46.51% 1,470,342.8 46.86% 1,281,402.4 45.55% 19.42% 4.08% 1,416,666.0 46.87% Passenger Vehicles 715,419.2 21.74% 686,502.3 21.88% 595,505.6 21.17% 20.14% 4.21% 644,130.9 21.31% Construction Equipments 119,301.3 3.63% 123,726.6 3.94% 153,666.9 5.46% -22.36% -3.58% 133,095.1 4.40% Farm Equipments 69,659.7 2.12% 70,305.9 2.24% 61,817.8 2.20% 12.69% -0.92% 68,865.2 2.28% MSME 461,839.9 14.04% 419,624.2 13.37% 406,349.9 14.44% 13.66% 10.06% 412,446.1 13.64% Two Wheelers 179,807.4 5.46% 178,138.4 5.68% 155,513.6 5.53% 15.62% 0.94% 174,139.8 5.76% Gold 89,742.0 2.73% 75,137.2 2.39% 53,363.2 1.90% 68.17% 19.44% 66,224.8 2.19% Personal Loans 124,145.5 3.77% 114,206.5 3.64% 105,475.2 3.75% 17.70% 8.70% 107,169.6 3.55% Total AUM 3,290,217.2 100.00% 3,137,983.9 100.00% 2,813,094.6 100.00% 16.96% 4.85% 3,022,737.5 100.00% Product (Rs. mn) Q2 FY26Q1 FY27Q2 FY27 FY26
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#TogetherWeSoar Provision Analysis – September’26 10 Particulars (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 YoY (%) QoQ (%) FY26 Gross Stage 3 152,127.0 144,784.8 127,362.6 19.44% 5.07% 137,432.7 ECL provision-Stage 3 78,319.4 73,821.6 59,478.5 31.68% 6.09% 69,178.2 Net Stage 3 73,807.6 70,963.2 67,884.1 8.73% 4.01% 68,254.5 Gross Stage 3 (% ) 4.65% 4.64% 4.57% 1.75% 0.22% 4.58% Net Stage 3 (% ) 2.31% 2.33% 2.49% -7.23% -0.86% 2.33% Coverage Ratio (%) Stage 3 51.48% 50.99% 46.70% 10.24% 0.96% 50.34% Gross Stage 2 230,718.5 217,028.6 192,794.9 19.67% 6.31% 207,463.3 ECL provision-Stage 2 17,923.6 16,893.4 15,841.8 13.14% 6.10% 16,649.1 Net Stage 2 212,794.9 200,135.2 176,953.1 20.25% 6.33% 190,814.2 Gross Stage 2 (% ) 7.04% 6.96% 6.92% 1.73% 1.15% 6.91% ECL provision (%) Stage 2 7.77% 7.78% 8.22% -5.47% -0.13% 8.03% Gross Stage 1 2,892,088.4 2,758,314.2 2,465,673.2 17.29% 4.85% 2,657,267.5 ECL provision-Stage 1 100,355.4 95,068.2 86,292.4 16.30% 5.56% 91,811.8 Net Stage 1 2,791,733.0 2,663,246.0 2,379,380.8 17.33% 4.82% 2,565,455.7 Gross Stage 1 (% ) 88.31% 88.40% 88.51% -0.23% -0.10% 88.51% ECL provision (%) Stage 1 3.47% 3.45% 3.50% -0.86% 0.58% 3.46%
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#TogetherWeSoar Product-wise Provision Analysis – September’26 11 Particulars (Rs. mn) Commercial Vehicles Passenger Vehicles Construction Equipment Farm Equipment MSME Two Wheeler Gold Loan Personal Loans Total Gross Stage 3 72,675.6 28,081.7 8,625.7 4,123.0 23,407.2 6,595.3 2,796.0 5,822.4 152,127.0 ECL provision-Stage 3 34,027.4 13,250.6 4,009.0 2,119.8 15,970.1 4,464.9 348.0 4,129.6 78,319.4 Net Stage 3 38,648.2 14,831.1 4,616.7 2,003.2 7,437.1 2,130.4 2,448.0 1,692.8 73,807.6 Gross Stage 3 (% ) 4.78% 3.94% 7.28% 5.93% 5.10% 3.67% 3.12% 4.69% 4.65% Net Stage 3 (% ) 2.60% 2.12% 4.03% 2.97% 1.68% 1.21% 2.74% 1.41% 2.31% Coverage Ratio (% ) Stage 3 46.82% 47.19% 46.48% 51.41% 68.23% 67.70% 12.45% 70.93% 51.48% Gross Stage 2 104,943.3 47,406.9 9,638.5 5,579.1 34,272.2 10,585.7 8,865.0 9,427.8 230,718.5 ECL provision-Stage 2 7,834.1 3,505.7 653.7 701.4 3,942.3 437.6 53.5 795.3 17,923.6 Net Stage 2 97,109.2 43,901.2 8,984.8 4,877.7 30,329.9 10,148.1 8,811.5 8,632.5 212,794.9 Gross Stage 2 (% ) 6.90% 6.66% 8.13% 8.02% 7.46% 5.89% 9.88% 7.59% 7.04% ECL provision (% ) Stage 2 7.47% 7.39% 6.78% 12.57% 11.50% 4.13% 0.60% 8.44% 7.77% Gross Stage 1 1,344,274.1 636,370.5 100,244.0 59,869.5 401,727.8 162,626.4 78,081.0 108,895.3 2,892,088.4 ECL provision-Stage 1 40,621.2 19,133.2 2,905.8 3,601.5 20,945.3 5,227.8 467.9 7,452.5 100,355.4 Net Stage 1 1,303,652.9 617,237.3 97,338.2 56,268.0 380,782.5 157,398.6 77,613.1 101,442.8 2,791,733.0 Gross Stage 1 (% ) 88.33% 89.40% 84.59% 86.05% 87.44% 90.44% 87.01% 87.72% 88.31% ECL provision (% ) Stage 1 3.02% 3.01% 2.90% 6.02% 5.21% 3.21% 0.60% 6.84% 3.47%
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#TogetherWeSoar Commercial Vehicles 12 Particulars (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 YoY (% ) QoQ (% ) FY26 Gross Stage 3 72,675.6 69,840.1 60,678.4 19.77% 4.06% 66,333.6 ECL provision-Stage 3 34,027.4 32,746.4 27,083.7 25.64% 3.91% 30,677.0 Net Stage 3 38,648.2 37,093.7 33,594.7 15.04% 4.19% 35,656.6 Gross Stage 3 (% ) 4.78% 4.78% 4.79% -0.21% 0.00% 4.72% Net Stage 3 (% ) 2.60% 2.60% 2.71% -4.06% 0.00% 2.59% Coverage Ratio (%) Stage 3 46.82% 46.89% 44.63% 4.91% -0.15% 46.25% Gross Stage 2 104,943.3 98,186.1 85,745.4 22.39% 6.88% 94,251.5 ECL provision-Stage 2 7,834.1 7,487.4 6,740.3 16.23% 4.63% 7,518.3 Net Stage 2 97,109.2 90,698.7 79,005.1 22.92% 7.07% 86,733.2 Gross Stage 2 (% ) 6.90% 6.72% 6.77% 1.92% 2.68% 6.71% ECL provision (%) Stage 2 7.47% 7.63% 7.86% -4.96% -2.10% 7.98% Gross Stage 1 1,344,274.1 1,292,552.4 1,120,260.6 20.00% 4.00% 1,244,924.0 ECL provision-Stage 1 40,621.2 39,057.7 32,939.8 23.32% 4.00% 37,618.1 Net Stage 1 1,303,652.9 1,253,494.7 1,087,320.8 19.90% 4.00% 1,207,305.9 Gross Stage 1 (% ) 88.33% 88.50% 88.44% -0.12% -0.19% 88.57% ECL provision (%) Stage 1 3.02% 3.02% 2.94% 2.72% 0.00% 3.02%
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#TogetherWeSoar Passenger Vehicles 13 Particulars (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 YoY (% ) QoQ (% ) FY26 Gross Stage 3 28,081.7 27,301.0 22,791.6 23.21% 2.86% 25,176.7 ECL provision-Stage 3 13,250.6 12,950.2 10,218.7 29.67% 2.32% 11,893.8 Net Stage 3 14,831.1 14,350.8 12,572.9 17.96% 3.35% 13,282.9 Gross Stage 3 (% ) 3.94% 4.00% 3.87% 1.81% -1.50% 3.94% Net Stage 3 (% ) 2.12% 2.14% 2.17% -2.30% -0.93% 2.12% Coverage Ratio (%) Stage 3 47.19% 47.43% 44.84% 5.24% -0.51% 47.24% Gross Stage 2 47,406.9 45,247.3 38,846.5 22.04% 4.77% 42,174.5 ECL provision-Stage 2 3,505.7 3,401.4 3,113.5 12.60% 3.07% 3,280.5 Net Stage 2 43,901.2 41,845.9 35,733.0 22.86% 4.91% 38,894.0 Gross Stage 2 (% ) 6.66% 6.63% 6.60% 0.91% 0.45% 6.60% ECL provision (%) Stage 2 7.39% 7.52% 8.01% -7.74% -1.73% 7.78% Gross Stage 1 636,370.5 609,637.6 526,809.9 20.80% 4.39% 571,667.8 ECL provision-Stage 1 19,133.2 18,328.6 16,338.5 17.10% 4.39% 17,185.2 Net Stage 1 617,237.3 591,309.0 510,471.4 20.92% 4.38% 554,482.6 Gross Stage 1 (% ) 89.40% 89.37% 89.53% -0.15% 0.03% 89.46% ECL provision (%) Stage 1 3.01% 3.01% 3.10% -2.90% 0.00% 3.01%
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#TogetherWeSoar Construction Equipments 14 Particulars (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 YoY (% ) QoQ (% ) FY26 Gross Stage 3 8,625.7 8,741.7 10,291.1 -16.18% -1.33% 9,096.2 ECL provision-Stage 3 4,009.0 4,254.4 4,439.4 -9.69% -5.77% 4,412.5 Net Stage 3 4,616.7 4,487.3 5,851.7 -21.11% 2.88% 4,683.7 Gross Stage 3 (% ) 7.28% 7.12% 6.77% 7.53% 2.25% 6.90% Net Stage 3 (% ) 4.03% 3.79% 3.97% 1.51% 6.33% 3.67% Coverage Ratio (%) Stage 3 46.48% 48.67% 43.14% 7.74% -4.50% 48.51% Gross Stage 2 9,638.5 9,530.3 11,187.6 -13.85% 1.14% 9,602.2 ECL provision-Stage 2 653.7 652.9 820.1 -20.29% 0.12% 659.4 Net Stage 2 8,984.8 8,877.4 10,367.5 -13.34% 1.21% 8,942.8 Gross Stage 2 (% ) 8.13% 7.76% 7.36% 10.46% 4.77% 7.28% ECL provision (%) Stage 2 6.78% 6.85% 7.33% -7.50% -1.02% 6.87% Gross Stage 1 100,244.0 104,477.4 130,502.8 -23.19% -4.05% 113,214.1 ECL provision-Stage 1 2,905.8 3,028.5 3,753.8 -22.59% -4.05% 3,281.7 Net Stage 1 97,338.2 101,448.9 126,749.0 -23.20% -4.05% 109,932.4 Gross Stage 1 (% ) 84.59% 85.11% 85.87% -1.49% -0.61% 85.83% ECL provision (%) Stage 1 2.90% 2.90% 2.88% 0.69% 0.00% 2.90%
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#TogetherWeSoar Farm Equipments 15 Particulars (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 YoY (% ) QoQ (% ) FY26 Gross Stage 3 4,123.0 4,177.6 4,178.5 -1.33% -1.31% 4,072.6 ECL provision-Stage 3 2,119.8 2,167.2 1,782.4 18.93% -2.19% 2,001.1 Net Stage 3 2,003.2 2,010.4 2,396.1 -16.40% -0.36% 2,071.5 Gross Stage 3 (% ) 5.93% 5.95% 6.79% -12.67% -0.34% 5.93% Net Stage 3 (% ) 2.97% 2.96% 4.01% -25.94% 0.34% 3.11% Coverage Ratio (%) Stage 3 51.41% 51.88% 42.66% 20.51% -0.91% 49.14% Gross Stage 2 5,579.1 5,201.5 4,872.8 14.49% 7.26% 5,227.1 ECL provision-Stage 2 701.4 657.5 668.8 4.87% 6.68% 681.1 Net Stage 2 4,877.7 4,544.0 4,204.0 16.02% 7.34% 4,546.0 Gross Stage 2 (% ) 8.02% 7.41% 7.92% 1.26% 8.23% 7.61% ECL provision (%) Stage 2 12.57% 12.64% 13.73% -8.45% -0.55% 13.03% Gross Stage 1 59,869.5 60,803.0 52,462.4 14.12% -1.54% 59,395.0 ECL provision-Stage 1 3,601.5 3,657.5 3,218.6 11.90% -1.53% 3,572.7 Net Stage 1 56,268.0 57,145.5 49,243.8 14.26% -1.54% 55,822.3 Gross Stage 1 (% ) 86.05% 86.64% 85.29% 0.89% -0.68% 86.46% ECL provision (%) Stage 1 6.02% 6.02% 6.14% -1.95% 0.00% 6.02%
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#TogetherWeSoar MSME 16 Particulars (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 YoY (% ) QoQ (% ) FY26 Gross Stage 3 23,407.2 21,664.5 18,582.3 25.96% 8.04% 20,869.7 ECL provision-Stage 3 15,970.1 14,000.1 10,281.1 55.33% 14.07% 13,269.1 Net Stage 3 7,437.1 7,664.4 8,301.2 -10.41% -2.97% 7,600.6 Gross Stage 3 (% ) 5.10% 5.20% 4.61% 10.63% -1.92% 5.10% Net Stage 3 (% ) 1.68% 1.90% 2.11% -20.38% -11.58% 1.92% Coverage Ratio (%) Stage 3 68.23% 64.62% 55.33% 23.31% 5.59% 63.58% Gross Stage 2 34,272.2 31,188.8 28,588.5 19.88% 9.89% 30,345.6 ECL provision-Stage 2 3,942.3 3,398.0 3,297.0 19.57% 16.02% 3,273.7 Net Stage 2 30,329.9 27,790.8 25,291.5 19.92% 9.14% 27,071.9 Gross Stage 2 (% ) 7.46% 7.48% 7.10% 5.07% -0.27% 7.41% ECL provision (%) Stage 2 11.50% 10.89% 11.53% -0.26% 5.60% 10.79% Gross Stage 1 401,727.8 364,096.4 355,680.3 12.95% 10.34% 358,278.6 ECL provision-Stage 1 20,945.3 18,587.4 18,953.8 10.51% 12.69% 18,306.4 Net Stage 1 380,782.5 345,509.0 336,726.5 13.08% 10.21% 339,972.2 Gross Stage 1 (% ) 87.44% 87.32% 88.29% -0.96% 0.14% 87.49% ECL provision (%) Stage 1 5.21% 5.11% 5.33% -2.25% 1.96% 5.11%
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#TogetherWeSoar Two Wheelers 17 Particulars (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 YoY (% ) QoQ (% ) FY26 Gross Stage 3 6,595.3 6,081.3 5,111.8 29.02% 8.45% 5,775.9 ECL provision-Stage 3 4,464.9 3,852.1 2,737.9 63.08% 15.91% 3,468.6 Net Stage 3 2,130.4 2,229.2 2,373.9 -10.26% -4.43% 2,307.3 Gross Stage 3 (% ) 3.67% 3.41% 3.29% 11.55% 7.62% 3.32% Net Stage 3 (% ) 1.21% 1.28% 1.55% -21.94% -5.47% 1.35% Coverage Ratio (%) Stage 3 67.70% 63.34% 53.56% 26.40% 6.88% 60.05% Gross Stage 2 10,585.7 11,263.8 10,177.6 4.01% -6.02% 11,009.2 ECL provision-Stage 2 437.6 479.6 489.9 -10.67% -8.76% 484.6 Net Stage 2 10,148.1 10,784.2 9,687.7 4.75% -5.90% 10,524.6 Gross Stage 2 (% ) 5.89% 6.32% 6.54% -9.94% -6.80% 6.32% ECL provision (%) Stage 2 4.13% 4.26% 4.81% -14.14% -3.05% 4.40% Gross Stage 1 162,626.4 160,793.3 140,224.1 15.98% 1.14% 157,354.7 ECL provision-Stage 1 5,227.8 5,169.4 4,557.8 14.70% 1.13% 5,059.7 Net Stage 1 157,398.6 155,623.9 135,666.3 16.02% 1.14% 152,295.0 Gross Stage 1 (% ) 90.44% 90.26% 90.17% 0.30% 0.20% 90.36% ECL provision (%) Stage 1 3.21% 3.21% 3.25% -1.23% 0.00% 3.22%
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#TogetherWeSoar Gold 18 Particulars (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 YoY (% ) QoQ (% ) FY26 Gross Stage 3 2,796.0 1,927.6 1,218.1 129.54% 45.05% 1,519.2 ECL provision-Stage 3 348.0 249.1 108.4 220.90% 39.70% 198.0 Net Stage 3 2,448.0 1,678.5 1,109.7 120.59% 45.84% 1,321.2 Gross Stage 3 (% ) 3.12% 2.57% 2.28% 36.84% 21.40% 2.29% Net Stage 3 (% ) 2.74% 2.24% 2.08% 31.73% 22.32% 2.00% Coverage Ratio (%) Stage 3 12.45% 12.92% 8.90% 39.89% -3.64% 13.03% Gross Stage 2 8,865.0 7,302.0 5,181.3 71.10% 21.41% 6,419.0 ECL provision-Stage 2 53.5 43.8 21.8 145.19% 22.15% 38.5 Net Stage 2 8,811.5 7,258.2 5,159.5 70.78% 21.40% 6,380.5 Gross Stage 2 (% ) 9.88% 9.72% 9.71% 1.75% 1.65% 9.69% ECL provision (%) Stage 2 0.60% 0.60% 0.42% 42.86% 0.00% 0.60% Gross Stage 1 78,081.0 65,907.5 46,963.8 66.26% 18.47% 58,286.6 ECL provision-Stage 1 467.9 395.0 197.8 136.58% 18.46% 349.3 Net Stage 1 77,613.1 65,512.5 46,766.0 65.96% 18.47% 57,937.3 Gross Stage 1 (% ) 87.01% 87.72% 88.01% -1.14% -0.81% 88.01% ECL provision (%) Stage 1 0.60% 0.60% 0.42% 42.86% 0.00% 0.60%
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#TogetherWeSoar Personal Loans 19 Particulars (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 YoY (% ) QoQ (% ) FY26 Gross Stage 3 5,822.4 5,051.0 4,510.8 29.08% 15.27% 4,588.8 ECL provision-Stage 3 4,129.6 3,602.0 2,826.8 46.09% 14.65% 3,258.2 Net Stage 3 1,692.8 1,449.0 1,684.0 0.52% 16.83% 1,330.6 Gross Stage 3 (% ) 4.69% 4.42% 4.28% 9.58% 6.11% 4.28% Net Stage 3 (% ) 1.41% 1.31% 1.64% -14.02% 7.63% 1.28% Coverage Ratio (%) Stage 3 70.93% 71.31% 62.67% 13.18% -0.53% 71.00% Gross Stage 2 9,427.8 9,108.8 8,195.1 15.04% 3.50% 8,434.2 ECL provision-Stage 2 795.3 772.8 690.4 15.20% 2.91% 713.1 Net Stage 2 8,632.5 8,336.0 7,504.7 15.03% 3.56% 7,721.1 Gross Stage 2 (% ) 7.59% 7.98% 7.77% -2.32% -4.89% 7.87% ECL provision (%) Stage 2 8.44% 8.48% 8.42% 0.24% -0.47% 8.45% Gross Stage 1 108,895.3 100,046.7 92,769.3 17.38% 8.84% 94,146.6 ECL provision-Stage 1 7,452.5 6,844.1 6,332.4 17.69% 8.89% 6,438.5 Net Stage 1 101,442.8 93,202.6 86,436.9 17.36% 8.84% 87,708.1 Gross Stage 1 (% ) 87.72% 87.60% 87.95% -0.26% 0.14% 87.85% ECL provision (%) Stage 1 6.84% 6.84% 6.83% 0.15% 0.00% 6.84%
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#TogetherWeSoar 20 Well entrenched Pan India Network State/UT wise Branches Metro Urban Semi-Urban and Rural Total Andaman and Nicobar Islands - 1 - 1 Andhra Pradesh 25 76 204 305 Assam - 8 23 31 Bihar 3 43 48 94 Chandigarh - 3 - 3 Chhattisgarh 5 15 46 66 Dadra and Nagar Haveli - - 1 1 Delhi 19 - - 19 Goa - - 5 5 Gujarat 20 31 51 102 Haryana 5 32 31 68 Himachal Pradesh - 2 43 45 Jammu and Kashmir 1 3 13 17 Jharkhand 8 9 18 35 Karnataka 23 55 146 224 Kerala 1 18 105 124 Madhya Pradesh 15 48 130 193 Maharashtra 66 64 173 303
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#TogetherWeSoar Well entrenched Pan India Network (Contd.) 21 Customers Employees Business Team Branch Offices Rural Centres State/UT wise Branches Metro Urban Semi-Urban and Rural Total Manipur - 1 - 1 Meghalaya - - 1 1 Odisha - 18 40 58 Puducherry - 9 6 15 Punjab 10 26 41 77 Rajasthan 14 39 94 147 Sikkim - 1 2 3 Tamil Nadu 72 137 563 772 Telangana 42 53 142 237 Tripura - 3 2 5 Uttar Pradesh 29 87 64 180 Uttarakhand - 14 7 21 West Bengal 5 23 44 72 Grand Total 363 819 2,043 3,225
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#TogetherWeSoar Branch & AUM distribution – Q2 FY27 vs Q2 FY26 22 Branch (Nos) AUM (Rs bn) Total Branch 3,225 Total AUM Rs 2,813.1 bn Total Branch 3,225 Total AUM Rs 3,290.2 bn Metro branches represents places where population is 10 lakh and above Urban branches represents places where population is in between 1 lakh to 10 lakh Rural and Semi-Urban branches represents places where population is upto 1 Lakh Metro, 363 Urban, 819 Semi-Urban and Rural, 2,043 Q2 FY27 Metro, 358 Urban, 825 Semi-Urban and Rural, 2,042 Q2 FY26 Metro, 368.0 Urban, 802.6 Semi-Urban and Rural, 1,642.5 Q2 FY26 Metro, 389.7 Urban, 952.4 Semi-Urban and Rural, 1,948.1 Q2 FY27
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#TogetherWeSoar 23 Financial Statement
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#TogetherWeSoar P&L Statement 24 Particulars (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 YoY (%) QoQ (%) H1 FY27 H1 FY26 YoY (%) FY26 Interest income 136,688.7 132,992.8 118,252.0 15.59% 2.78% 269,681.5 232,883.4 15.80% 477,529.7 Interest expended 50,078.3 52,435.8 55,583.6 -9.90% -4.50% 102,514.1 109,950.7 -6.76% 217,015.3 Net interest income 86,610.4 80,557.0 62,668.4 38.20% 7.51% 167,167.4 122,932.7 35.98% 260,514.4 Staff cost 10,838.9 11,422.6 9,439.3 14.83% -5.11% 22,261.5 19,204.0 15.92% 41,260.1 Other Operating expenditure 8,956.5 9,386.0 9,695.1 -7.62% -4.58% 18,342.5 19,037.2 -3.65% 37,122.3 Operating expenditure 19,795.4 20,808.6 19,134.4 3.45% -4.87% 40,604.0 38,241.2 6.18% 78,382.4 Core operating profit 66,815.0 59,748.4 43,534.0 53.48% 11.83% 126,563.4 84,691.5 49.44% 182,132.0 Other income 1,278.2 1,105.3 899.5 42.10% 15.64% 2,383.5 1,666.2 43.05% 4,181.3 Operating profit 68,093.2 60,853.7 44,433.5 53.25% 11.90% 128,946.9 86,357.7 49.32% 186,313.3 Loan Losses & Provisions 18,774.0 14,632.6 13,333.3 40.81% 28.30% 33,406.6 26,190.2 27.55% 53,390.7 Profit before tax 49,319.2 46,221.1 31,100.2 58.58% 6.70% 95,540.3 60,167.5 58.79% 132,922.6 Tax expense 12,548.9 11,775.5 8,028.4 56.31% 6.57% 24,324.4 15,538.4 56.54% 32,941.1 Profit after tax 36,770.3 34,445.6 23,071.8 59.37% 6.75% 71,215.9 44,629.1 59.57% 99,981.5 Other comprehensive income (Net) 2,878.0 (1,061.5) 1,842.1 56.23% -371.13% 1,816.5 2,219.7 -18.16% 8,888.1 Total comprehensive income 39,648.3 33,384.1 24,913.9 59.14% 18.76% 73,032.4 46,848.8 55.89% 108,869.6 EPS (Rs.) 15.63 14.83 12.27 27.38% 5.39% 30.46 23.73 28.36% 53.15
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#TogetherWeSoar Summarised Balance Sheet 25 Particulars (Rs. mn) Sep-26 Jun-26 Sep-25 YoY (%) QoQ (%) Mar-26 I. Assets Financial Assets a) Cash and bank balances 125,800.3 166,444.3 101,479.9 23.97% -24.42% 79,363.2 b) Loans 3,078,335.5 2,934,344.4 2,624,218.0 17.30% 4.91% 2,824,524.4 c) Investments 191,722.2 218,661.6 132,843.0 44.32% -12.32% 147,827.6 d) Other-financial assets 69,095.5 73,161.4 53,665.8 28.75% -5.56% 80,714.3 Non-financial Assets a) Goodwill 11,894.5 11,894.5 11,894.5 0.00% 0.00% 11,894.5 b) Other non-financial assets 68,470.4 67,180.0 64,750.3 5.75% 1.92% 67,197.6 c) Assets held for sale - - 9.7 -100.00% - 9.7 Total Assets 3,545,318.4 3,471,686.2 2,988,861.2 18.62% 2.12% 3,211,531.3 II. Liabilities and Equity Financial Liabilities a) Debts 2,362,709.3 2,326,391.8 2,343,093.8 0.84% 1.56% 2,506,898.8 b) Other financial liabilities 55,884.5 44,200.9 30,715.8 81.94% 26.43% 37,614.8 Non-financial Liabilities 14,666.8 14,571.8 11,011.2 33.20% 0.65% 9,968.4 Total Equity 1,112,057.8 1,086,521.7 604,040.4 84.10% 2.35% 657,049.3 Total Liabilities and Equity 3,545,318.4 3,471,686.2 2,988,861.2 18.62% 2.12% 3,211,531.3
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#TogetherWeSoar Key Metrics – Q2 & H1 FY27 26 P&L Metrics (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 YoY (%) QoQ (%) H1 FY27 H1 FY26 YoY (%) FY26 Interest Income 136,688.7 132,992.8 118,252.0 15.59% 2.78% 269,681.5 232,883.4 15.80% 477,529.7 Less: Interest Expenses 50,078.3 52,435.8 55,583.6 -9.90% -4.50% 102,514.1 109,950.7 -6.76% 217,015.3 Net Interest Income 86,610.4 80,557.0 62,668.4 38.20% 7.51% 167,167.4 122,932.7 35.98% 260,514.4 Other Operating Income & Other Income 1,278.2 1,105.3 899.5 42.10% 15.64% 2,383.5 1,666.2 43.05% 4,181.3 Profit After Tax 36,770.3 34,445.6 23,071.8 59.37% 6.75% 71,215.9 44,629.1 59.57% 99,981.5 EPS (Rs.) 15.63 14.83 12.27 27.38% 5.39% 30.46 23.73 28.36% 53.15 Cost to income Ratio (%) 22.52% 25.48% 27.76% -18.88% -11.62% 23.95% 28.51% -15.99% 27.95% NIM 9.52% 9.04% 8.19% 16.24% 5.31% 9.28% 8.15% 13.87% 8.38%
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#TogetherWeSoar Key Metrics – Q2 & H1 FY27 (Contd.) 27 *ROE (%) is calculated on closing Net Worth. Balance Sheet Metrics (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 YoY (%) QoQ (%) H1 FY27 H1 FY26 YoY (%) FY26 Networth 1,105,632.9 1,082,974.8 606,100.2 82.42% 2.09% 1,105,632.9 606,100.2 82.42% 652,440.9 Book Value (Rs.) 472.60 461.78 321.13 47.17% 2.34% 472.60 321.13 47.17% 349.20 Interest Coverage (x) 2.76 2.56 2.14 28.97% 7.81% 2.65 2.13 24.41% 2.22 ROA (%) 3.95% 3.93% 2.89% 36.68% 0.51% 3.94% 2.82% 39.72% 3.10% ROE (%)* 13.19% 12.76% 15.10% -12.65% 3.37% 12.85% 14.69% -12.53% 15.32% Tier I CRAR % 32.44% 33.40% 19.98% 62.36% -2.87% 32.44% 19.98% 62.36% 19.80% Tier II CRAR % 0.80% 0.77% 0.70% 14.29% 3.90% 0.80% 0.70% 14.29% 0.60% Total CRAR % 33.24% 34.17% 20.68% 60.74% -2.72% 33.24% 20.68% 60.74% 20.40%
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#TogetherWeSoar 28 Borrowing Profile
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#TogetherWeSoar Borrowing Profile 29 Amt in bn % Amt in bn % Amt in bn % Non-Convertible Debentures 371.1 15.71% 330.2 14.19% 395.3 16.87% Public Deposit 736.0 31.15% 720.7 30.98% 655.8 27.99% Securitisation 329.0 13.92% 331.1 14.23% 373.9 15.96% Subordinated debts 24.7 1.05% 24.2 1.04% 24.7 1.05% Term Loan 497.3 21.05% 450.5 19.36% 400.4 17.09% Working Capital Demand Loan 14.2 0.60% 0.0 0.00% 6.6 0.28% External Commercial Bond 78.1 3.31% 131.1 5.63% 124.3 5.30% ECB Loans 312.3 13.22% 338.6 14.56% 362.1 15.45% Total 2,362.7 100.00% 2,326.4 100.00% 2,343.1 100.00% Product Q2 FY27 Q1 FY27 Q2 FY26
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#TogetherWeSoar ALM Statement as on September 30, 2026 30 Liquidity Coverage Ratio was 303.84% as on September 30, 2026 Particulars (Rs. mn) One month Over one month to 2 months Over 2 months to 3 months Over 3 months to 6 months Over 6 months to one year Over one year to 3 years Over 3 to 5 years Over 5 years Total Total Outflows 107,605.4 39,484.8 74,767.2 186,480.4 425,195.7 1,177,863.1 278,841.2 1,293,223.5 3,583,461.3 Total Inflows 203,381.9 132,583.3 150,417.6 322,117.4 603,355.2 1,492,984.9 413,263.3 232,062.4 3,550,166.0 Mismatch or Surplus/(Deficit) 95,776.5 93,098.5 75,650.4 135,637.0 178,159.5 315,121.8 134,422.1 (1,061,161.1) (33,295.3) Cum. Mismatch or Surplus/(Deficit) 95,776.5 188,875.0 264,525.4 400,162.4 578,321.9 893,443.7 1,027,865.8 (33,295.3)
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#TogetherWeSoar 31 Shareholding
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#TogetherWeSoar Shareholding Pattern as on September 30, 2026 vs September 30, 2025 32 No. of shares outstanding: 1,881.0 mnNo. of shares outstanding: 2,353.0 mn Promoters & Promoters group*, 25.39% FII & FPI , 49.61%NRI, 0.22% MF/Bank/ Insurance/ PFs, 18.05% Other Corporate Body , 0.44% Public 6.29% Q2 FY26 Details of Promoters/Promoter Group* Holding (%) Shriram Capital Private Limited 17.85% Shriram Value Services Limited 7.11% Shriram Ownership Trust 0.02% Sanlam Life Insurance Limited 0.41% Total 25.39% Details of Promoters/Promoter Group* Holding (%) Shriram Capital Private Limited 14.27% Shriram Value Services Limited 5.68% Shriram Ownership Trust 0.01% Shriram General Insurance Company Limited 0.00% Sanlam Life Insurance Limited 0.33% Total 20.30% Promoters & Promoters group*, 20.30% FII /FPI /FDI, 55.65% NRI/ Foreign Bodies Corporate, 0.25% MF/Bank/ Insurance /PFs, 18.18% Other Corporate Body , 0.33% Public 5.29% Q2 FY27
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#TogetherWeSoar List of Key Shareholders as on September 30, 2026 33 Key Shareholders Current Shareholding (mn Shares) % Promoter and Promoter Group Shriram Capital Private Limited 335.7 14.27 Shriram Value Services Limited 133.8 5.68 Shriram Ownership Trust 0.3 0.01 Shriram General Insurance Company Limited 0.0 0.00 Sanlam Life Insurance Limited 7.8 0.33 Total Promoter and Promoter Group Holding 477.6 20.30 MUFG Bank Ltd 471.1 20.02 Government of Singapore 88.2 3.75 NPS Trust A/C - (Under Different Sub Accounts) 42.4 1.80 Kotak Mahindra Mutual Fund - (Under Different Sub Accounts) 38.3 1.63 SBI Mutual Fund - (Under Different Sub Accounts) 38.1 1.62 Motilal Oswal Mutual Fund (Under Different Sub Accounts) 33.2 1.41 New World Fund Inc 30.6 1.30 Government Pension Fund Global 30.4 1.29 Public and Others 1,103.1 46.88 Total 2,353.0 100.00
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#TogetherWeSoar 34 Shriram Automall India Limited (SAMIL)
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#TogetherWeSoar Business Overview 35 Shriram Automall India Limited (SAMIL), an ISO 9001:2015 & Great Place To Work certified company, is India’s Largest Phygital Marketplace for Pre-owned Vehicles, Equipment, and Other Assets. We offer value- added services and transaction solutions through our physical and digital platforms. Founded in 2011, SAMIL established India's first professionally managed auction platform for pre-owned cars, commercial vehicles, construction equipment, farm equipment, three-wheelers, two-wheelers, and more. Backed by CarTrade Tech Limited and Shriram Finance Limited, we have a strong presence across India. Our network comprises over 1,600 employees dedicated to providing exceptional service and more than 135 Automalls strategically located throughout India. We conduct thousands of auction events every month via Physical (Automalls), Phygital (MySAMIL App), and digital (cartradeexchange.com & bids.samil.in) platforms. Through gold.samil.in, we also facilitate secure and transparent gold auctions for banks and financial institutions. Beyond auctions, SAMIL offers a comprehensive suite of services to support our clients and customers throughout the pre-owned asset lifecycle. Through Adroit Auto, we provide expert inspection, valuation, and claim settlement services for pre-owned vehicles and equipment. ThePriceX offers data-driven pricing solutions for pre-owned vehicles and equipment. Augeo facilitates the auction of properties, plant & machinery, commodities, scrap, salvage, and surplus assets.
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#TogetherWeSoar Business Overview (Contd.) 36 SAMIL consolidated Over the years, SAMIL has facilitated over 2.9 mn customers and a full spectrum of sellers across Banks, NBFCs, Insurance Companies, OEMs & Dealers, Leasing, Rental & Aggregator Companies, Brokers, Transporters, Contractors, and End Users in their buying and selling decisions. Particulars (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 H1 FY27 H1 FY26 FY26 Revenue from operations 703.0 672.3 626.2 1,375.3 1,220.2 2,593.1 Profit after Tax 145.1 123.7 99.0 268.8 193.0 460.1 SFL Share in Net Profit of SAMIL 64.7 55.1 44.1 119.8 86.0 205.0
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#TogetherWeSoar 37 Shriram Overseas Investments Limited (SOIL)
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#TogetherWeSoar Business Overview 38 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 and became wholly-owned subsidiary of SFL on May 09, 2025. Shriram Overseas Investments Private Limited was renamed as Shriram Overseas Investments Limited w.e.f. June 04, 2025. SOIL has sold its entire equity stake in its Subsidiary 'Bharath Investment Pte Ltd' ('Bharath') on March 11, 2026. SOIL received an in-principle approval to commence Primary Dealer business on April 15, 2026 from Reserve Bank of India (‘RBI’), subject to compliance with the conditions specified therein. Effective October 15, 2026, the name of Shriram Overseas Investments Limited was changed to Shriram Gilts Limited, pursuant to the approval of Ministry of Corporate Affairs and No objection received from RBI for the same.
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#TogetherWeSoar Business Overview (Contd.) 39 SOIL Standalone Particulars (Rs. mn) Q2 FY27 Q1 FY27 Q2 FY26 H1 FY27 H1 FY26 FY26 Revenue from operations 62.7 63.9 46.5 126.6 58.1 174.0 Profit after Tax 3.3 26.9 26.2 30.1 24.8 56.9
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#TogetherWeSoar Contact Us 40
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#TogetherWeSoar About Us 41 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 asset financing Non-Banking Finance Company (NBFC) with Assets under Management (AUM) above Rs 3.29 trillion. Recently Shriram City Union Finance Limited and Shriram Capital Limited merged with Shriram Transport Finance Company Limited and was subsequently renamed as Shriram Finance Limited. Established in 1979, Shriram Finance is holistic finance provider catering to the needs of Small Road Transport Operators and small business owners and is a leader in organised financing of pre-owned commercial vehicles and two wheelers. It has vertically integrated business model and offers financing number of products which include passenger commercial vehicles, loans to micro and small and medium enterprises (MSMEs), tractors, gold, personal loans and working capital loans etc. Over last 47 years, it has developed strong competencies in the areas of Loan origination, valuation of pre-owned commercial vehicles and other assets, and collections. It has a pan india presence with network of 3,225 branches and an employee strength of 82,292 servicing over 10.57 million customers. Forward Looking Statement Certain statements in this document with words or phrases such as “will”, “should”, etc., and similar expressions or variation of these expressions or those concerning our future prospects are forward looking statements. Actual results may differ materially from those suggested by the forward looking statements due to a number of risks or uncertainties associated with the expectations. These risks and uncertainties include, but are not limited to, our ability to successfully implement our strategy and changes in government policies. The company may, from time to time, make additional written and oral forward looking statements, including statements contained in the company’s filings with the stock exchanges and our reports to shareholders. The company does not undertake to update any forward-looking statements that may be made from time to time by or on behalf of the company.
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#TogetherWeSoar 42 THANK YOU