Slides
Page 1
PERFORMANCE HIGHLIGHTS H1FY26
Page 2
2 CONTENTS Financial results & performance 02 Key trends in financial performance 03 More about Sundaram Finance 05 Consolidated results 04 Overview of Sundaram Finance 01
Page 3
3 Overview of Sundaram Finance 01
Page 4
4 OUR VISION, MISSION AND PHILOSOPHY P G Q Vision To be the most respected NBFC in the country Mission To deliver the “Sundaram experience” to all our customers, big and small, in keeping with the ethos of the company Growth Quality Profitability Service Prudence Honesty Humility Discipline Relationships Openness Integrity Fairplay
Page 5
5 THE SUNDARAM WAY Service To be of service even when time is against you Discipline To know that discipline is your ally in all situations Prudence To be the voice of prudence in the midst of chaos Humility To realise that humility is the greatest virtue Openness To be open to scrutiny, anywhere, anytime Relationships To know that we are not merely the holders of people’s money; but more importantly the custodians of their trust Fair play To stand for fair play when the odds are stacked against you Honesty To believe that honesty is the only policy Integrity To put integrity above all else
Page 6
6 THE SF GROUP 55,419 728 7,497 6,23,846 9,595 140 2,118 32,79,851 18,572 171 1,885 71,592 1,66,194 1,124 12,116 54,59,037 Group AUM (₹ in Cr.) Branches Staff * Customer count 82,608 85 616 14,83,748 100% subsidiary 100% subsidiary Joint Venture with Ageas Insurance International NV * Includes off roll employees
Page 7
7 STRATEGIC SOURCES OF DISTINCTIVENESS 71-year heritage of trust and prudence Pioneer of hire-purchase finance in India Diversified financial services group across lending, general insurance, home finance and asset management with total AUM of over Rs. 1,65,000 cr. Lending business focused on the underserved but aspiring Indian entrepreneur (road transport operator, infrastructure contractor, small farmer, MSME owner) Legacy of deep deposit customer connect and loyalty with 80+% renewal rate across offerings Technology-enabled and data-powered approach to a high-touch customer approach Consistent best-in-class asset quality performance over decades
Page 8
8 PRODUCT OFFERINGS • Cars • Commercial vehicles • Construction equipment • Tractors and farm equipment • Used vehicles Asset Finance • Leasing • NBFC • SME • Supply chain financing Commercial lending • Diesel • Insurance • Tyre • Sundaram Credit Line Working capital finance • Fixed Deposits • General insurance • Home loans • Investment services • Life insurance • Mutual funds Distribution
Page 9
9 SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS 5,452 7,327 8,925 9,204 10,219 12,354 15,540 17,645 18,158 18,734 20,699 24,036 28,648 33,447 35,088 35,736 33,774 39,950 51,385 60,290 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 ₹ in Crore Receivables Under Management
Page 10
201 604 671 1,334 89 77 26 39 26 41 522 53 120 171 100 213 151 227 295 355 410 443 454 477 495 563 1,126 724 809 903 1,088 1,454 1,543 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Exceptional item ₹ in Crore 10 SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS PAT
Page 11
11 SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS 37.5 29.2 41.7 36.1 55.6 77.8 86.1 100.0 111.1 116.7 122.2 127.8 133.3 194.4 144.4 200.0 222.2 300.0 333.3 388.9 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dividend Dividend% 135% 105% 150% 65% 100% 140% 155% 90% 100% 105% 110% 115% 120% 175% 130% 180% 200% 270% 300% 350% Capital 27.78 27.78 27.78 55.55 55.55 55.55 55.55 111.10 111.10 111.10 111.10 111.10 111.10 111.10 111.10 111.10 111.10 111.10 111.10 111.10 ₹ in Crore
Page 12
1,078 1,099 1,602 917 2,096 2,722 3,645 5,265 7,359 16,859 14,450 17,940 18,634 17,318 13,366 28,560 21,560 25,548 45,983 50,824 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 ₹ in Crore 12 SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS Market Capitalization
Page 13
13 SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS 13.0 12.6 17.0 15.5 18.8 19.5 28.3 26.8 23.5 18.0 15.3 18.0 19.9 16.5 16.3 19.3 18.2 18.5 16.5 19.0 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Core Return on Equity %* ROE% 22.8 11.9 22.1 13.7 18.4 20.7 21.4 21.2 19.7 17.6 15.2 14.0 14.3 24.5 13.7 13.8 13.8 14.9 17.5 16.3 * Core ROE (excluding investments in subsidiaries)
Page 14
14 Financial results & performance 02
Page 15
OVERALL HIGHLIGHTS OF FINANCIAL PERFORMANCE 15 AUM ₹55,419 Crores 15.3% up from Sep 24 Gross Stage 3 2.03% 1.62% in Sep 24 Cost-to-income 29.60% 31.91% in H1FY25 ROA 2.72% 2.50% in H1FY25 *Core ROE (excluding investments in subsidiaries) at 16.8% vs. 17.5% ROE 15.9%* 14.2% in H1FY25 15 As of 30th September 2025
Page 16
16 HIGHLIGHTS – GROWTH OF 15% IN ASSETS UNDER MANAGEMENT For the quarter, industry sales in segments and geographies we operate improved considerably, although for the half year, industry sales have been at low single digit growth compared to last year across most categories. Tractor sales have been notably buoyant (up 27% compared to last year), a reflection of rural sentiments as well as a low base. While MHICV TIV has remained flat, LCV, SCV and passenger cars are up 20%, 7% and 5% Y-o-Y respectively. We held or extended our market share across nearly all asset classes. The assets under management stood at ₹55,419 crores as on 30th September 2025 as against ₹48,058 crores as on 30th September 2024, registering a 15% increase year-on-year. Disbursements for H1FY26 recorded a growth of 12% to ₹15,423 crores as compared to ₹13,768 crores registered in H1FY25. Disbursements for Q2FY26 recorded a growth of 18% to ₹8,113 crores as compared to ₹6,860 crores registered in Q2FY25. Net interest income grew by 23% to ₹1,603 crores in H1FY26 from ₹1,304 crores in H1FY25. Q2FY26 growth in NII was 21% to Rs. 822 crores.
Page 17
17 HIGHLIGHTS – ASSET QUALITY CONTINUES TO REMAIN INDUSTRY BEST Asset quality pressures have remained elevated within the broader financial system. Collections activity has been particularly challenging for most industry participants through the period. Q2FY26 continued to witness cash flow stress for MSMEs in particular. The GST reforms are expected to improve the overall economic activities and the underlying cashflow stress in the economy in H2FY26. We have taken a “through cycle” view to collections and deepened our connect with & understanding of our customers’ context, extended our support to them during this challenging period and enforced the collateral where borrower intentions have changed. Gross stage 3 assets as on 30th September 2025 stood at 2.03% with provision cover of 45% when compared to 1.62% with 45% provision cover as of 30th September 2024. Net stage 3 assets as on 30th September 2025 closed at 1.13% as against 0.89% as on 30th September 2024. The Gross and Net NPA, as per RBI’s asset classification norms, are 2.80% and 1.79% respectively as against 2.39% and 1.55% as of 30th September 2024. Current collections, measured as collections of current demand, for H1FY26 is at 91%.
Page 18
18 HIGHLIGHTS – PROFITABILITY IMPROVED CONSISTENTLY Profits after tax grew 27% in H1FY26 compared to last year due to growth of AUM, meaningful improvements in yields, meticulous management of our cost of borrowing consistent with our “AAA” rating, tight control on operating costs and higher dividend income. We are ensuring prudent focus on asset class mix as well as customer segment mix to optimize our margin. Return on assets (ROA) for H1FY26 was at 2.72% as against 2.50% for H1FY25. Return on equity (ROE) was at 15.9% for H1FY26 as against 14.2% for H1FY25. If we exclude investments in subsidiaries and group companies, core ROE was at 16.8% for H1FY26 as against 17.5% for H1FY25. Profit from operations increased by 16% in H1FY26 as compared to H1FY25 and for Q2FY26 by 17% Y-o-Y. Cost to income ratio improved to 29.60% in H1FY26 as against 31.91% in H1FY25. Dividend income in H1FY26 was ₹137 crores as against ₹43 crores in H1FY25. Profit after tax registered a 27% rise in H1FY26 with net profit at ₹823 crores as against ₹648 crores in H1FY25. For Q2FY26, PAT grew 16% to Rs. 394 crores.
Page 19
19 PROFIT & LOSS STATEMENT FY25 Particulars Q2FY25 Q2FY26 Q1FY26 H1FY25 H1FY26 6,231 Revenue From Operations* 1,547 1,768 1,729 2,972 3,497 168 Dividend Income 25 14 124 43 137 76 Other Income 11 4 3 19 7 6,475 TotalRevenue 1,583 1,786 1,856 3,034 3,641 3,254 Finance cost 811 901 894 1,568 1,795 917 Operating expenses 229 253 245 448 497 242 Impairment 78 117 157 151 275 4,413 TotalExpenses 1,118 1,271 1,296 2,167 2,567 2,062 Profit Before T ax 465 515 560 867 1,074 1,543 Profit After Tax 340 394 429 648 823 *Revenue from operations is net of depreciation on operating lease. ₹ in Crore
Page 20
20 BALANCE SHEET 31-Mar-25 Particulars 30-Sep-24 30-Sep-25 Equity and Liabilities 47,958 Financial Liabilities 44,257 52,238 118 Non-Financial Liabilities 126 356 11,139 Equity 10,587 12,905 59,215 Total – Equity and Liabilities 54,970 65,499 Assets 58,287 Financial Assets 53,929 64,604 928 Non-Financial Assets 1,041 895 59,215 Total – Assets 54,970 65,499 ₹ in Crore
Page 21
21 Key trends in financial performance 03
Page 22
22 FINANCIAL SUMMARY * Adjusted for demerger ₹460.57 Cr, # Includes special dividend of 50%, @ Excludes exceptional item Market Capitalisation is on the last day of the respective period end ₹ in Crore Year Paid-up Capital Networth Disbursements Receivables Under Management PAT Dividend % Market Capitalisation Mar-15 111 2,978 10,012 18,734 454 105 16,859 Mar-16 111 3,313 11,444 20,699 477 110 14,450 Mar-17 111 3,746 13,218 24,036 *495 115 17,940 Mar-18 111 4,134 15,712 28,648 563 120 18,634 Mar-19 111 5,044 17,170 33,447 @604 #175 17,318 Mar-20 111 5,547 15,175 35,088 724 130 13,366 Mar-21 111 6,179 11,742 35,736 809 180 28,560 Mar-22 111 6,893 13,275 33,774 903 200 21,560 Mar-23 111 7,737 20,966 39,950 1,088 270 25,548 Mar-24 111 9,472 26,163 51,385 @1,334 300 45,983 Mar-25 111 11,139 28,405 60,290 1,543 350 50,824 Sep-24 111 10,587 13,768 56,094 648 - 58,565 Sep-25 111 12,905 15,423 64,968 823 - 49,013
Page 23
30,882 29,532 34,552 43,987 51,476 48,058 55,419 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25 23 DISBURSEMENTS AND AUM Disbursements ₹ in Crore Growth -22.6% 13.1% 57.9% 24.8% 8.6% 2.5% 12.0% AUM Growth 3.2% -4.4% 17.0% 27.3% 17.0% 19.8% 15.3% 6,908 7,310 6,860 8,113 11,742 13,275 20,966 26,163 28,405 13,768 15,423 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25
Page 24
45.1% 25.2% 10.4% 4.1% 15.2% 24 DISBURSEMENTS Sep-24 ₹ 13,768 Cr. Sep-25 Region wise 22.7% 21.9% 22.9% 10.6% 6.7% 15.2% ₹ 13,768 Cr. Asset wise 46.1% 23.4% 10.6% 4.1% 15.8% ₹ 15,423 Cr. 23.6% 20.2% 23.8% 9.9% 6.7% 15.8% ₹ 15,423 Cr. Construction Equipment Cars Tractors MHCV West North East South Used Assets – 24.0% Used Assets – 23.2% Retail CV ICV, LCV and SCV as Retail CV Commercial Lending & Others Commercial Lending & Others
Page 25
45.5% 26.0% 11.3% 4.1% 13.1% 25 AUM Sep-24 ₹ 48,058 Cr. Sep-25 Region wise 24.0% 21.5% 23.8% 10.4% 7.2% 13.1% ₹ 48,058 Cr. Asset wise 45.4% 25.8% 11.4% 4.1% 13.3% ₹ 55,419 Cr. 24.3% 20.4% 24.5% 10.5% 7.0% 13.3% ₹ 55,419 Cr. West North East South Used Assets – 18.6% Used Assets – 18.5% ICV, LCV and SCV as Retail CV Construction Equipment Cars Tractors MHCV Retail CV Commercial Lending & Others Commercial Lending & Others
Page 26
26 BRANCH NETWORK Sep-24 Sep-25 362 228 82 42 14 South North West East No. of Branches: 709 No. of Staff: 7,460 No. of Branches: 728 No. of Staff: 7,497 358 217 81 40 13 Commercial Lending
Page 27
27 PORTFOLIO QUALITY 1.84% 2.19% 1.66% 1.26% 1.44% 1.62% 2.03% Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25 1.01% 1.07% 0.86% 0.63% 0.75% 0.89% 1.13% Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25 Gross Stage 3% Net Stage 3%
Page 28
28 FUNDING MIX * Includes a) Term loans b) Commercial Papers and demand loans availed against the sanctioned limits. 52.0% 54.0% 41.1% 33.8% 30.2% 32.3% 32.1% 19.9% 19.9% 25.9% 35.8% 33.1% 39.0% 30.9% 11.3% 11.0% 11.4% 11.5% 13.6% 10.4% 13.4% 14.3% 15.1% 14.8% 14.2% 13.5% 14.2% 12.6% 2.5% 6.8% 4.7% 9.6% 4.1% 11.0% Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25 Debentures Bank Borrowings* Securitisation Deposits Commercial Paper ₹ 28,297 Cr.₹ 29,251 Cr. ₹ 32,915 Cr. ₹ 40,941 Cr. ₹ 47,362 Cr. ₹ 51,659 Cr.₹ 43,752 Cr.
Page 29
29 PAT & ROA Profit after Tax ₹ in Crore EPS (₹) 72.8 81.3 98.0 130.9 138.9 58.3 74.1 2.3 2.5 2.8 3.2 2.9 2.5 2.7 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25 Return on Assets - % 671 308 429 340 394 120 809 903 1,088 1,454 1,543 648 823 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25
Page 30
30 NET WORTH 6,179 6,893 7,737 9,472 11,139 10,587 12,905 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25 Book Value (₹) 556.2 620.4 696.4 852.5 1,002.6 952.9 1,161.5 Net worth ₹ in Crore
Page 31
31 LEVERAGE AND CAPITAL ADEQUACY 4.6 4.0 4.2 4.3 4.3 4.1 4.0 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25 22.1% 24.4% 22.8% 20.5% 20.4% 20.0% 19.3% Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25 Leverage Capital adequacy
Page 32
32 Consolidated results 04
Page 33
33 CONSOLIDATED RESULTS Profit after Tax ₹ in Crore EPS (₹) 105.7 106.5 120.5 130.3 170.6 79.0 87.4 Net Worth Book Value(₹) 701.6 798.2 900.2 1,005.3 1,197.4 1,135.1 1,372.7 7,730 8,795 9,920 11,078 13,197 12,510 15,129 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25 435 475 436 488 1,165 1,173 1,328 1,436 1,879 871 963 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-24 Sep-25
Page 34
34 CONSOLIDATED RESULTS Particulars Share of Net Worth Share in Profit 30-Sep-24 30-Sep-25 H1FY25 H1FY26 Sundaram Finance Ltd. 10,587 12,905 648 823 Subsidiaries: Sundaram Home Finance Ltd. 1,990 2,200 111 137 Sundaram Asset Management Company Ltd. (Consolidated) 511 537 68 91 Other Subsidiaries 71 107 3 2 Joint Control Entity: Royal Sundaram General Insurance Co. Ltd. 909 964 63 60 Adjustment arising out of Consolidation (1,558) (1,584) (22) (150) Total 12,510 15,129 871 963 ₹ in Crore
Page 35
35 SUNDARAM HOME FINANCE FY25 Particulars Q2FY26 Q1FY26 Q2FY25 H1FY26 H1FY25 6,517 Disbursements (₹ in Crore) 1,681 1,488 1,543 3,169 2,896 51.5% Housing 44.8% 48.8% 50.8% 46.7% 52.4% 48.5% Non-Housing 55.2% 51.2% 49.2% 53.3% 47.6% 17,428 AUM (₹ in Crore) 18,572 18,028 15,405 18,572 15,405 58.4% Housing 57.0% 57.9% 59.8% 57.0% 59.8% 41.6% Non-Housing 43.0% 42.1% 40.2% 43.0% 40.2% 244.7 PAT (₹ in Crore) 74.7 62.3 44.2 137.0 110.6 24.16 EPS (₹) (Annualized) 29.50 24.62 17.44 27.06 21.83 2,097 Net worth (₹ in Crore) 2,200 2,126 1,990 2,200 1,990 207.11 Book Value (₹) 217.30 209.94 196.52 217.30 196.52 1.0% Gross Stage 3% 1.2% 1.6% 1.2% 1.2% 1.2% 0.5% Net Stage 3% 0.6% 1.0% 0.6% 0.6% 0.6% 18.7% CAR 18.4% 18.1% 19.5% 18.4% 19.5% 168 Branches 171 169 146 171 146 1,862 Staffs 1,885 1,856 1,692 1,885 1,692 65,261 Customers 71,592 67,561 63,653 71,592 63,653
Page 36
36 ROYAL SUNDARAM FY25 Particulars Q2FY26 Q1FY26 Q2FY25 H1FY26 H1FY25 4,065 Gross Written Premium (₹ in Crore) 1,063 1,289 939 2,352 2,053 9,241 AUM (₹ in Crore) 9,595 9,633 9,078 9,595 9,078 133 PAT (₹ in Crore) (6) 127 61 121 126 146 Other Comprehensive Income (Net of Taxes) (62) 20 70 (42) 82 279 Total Comprehensive Income (68) 147 131 79 208 1,863 Net worth (₹ in Crore) 1,928 2,010 1,818 1,928 1,818 113% Combined Operating Ratio 127% 110% 112% 118% 113% 145 Branches 140 140 157 140 157 2,230 Staffs 2,118 2,186 2,388 2,118 2,388 30,83,101 Customers 32,79,851 31,62,433 31,37,285 32,79,851 31,37,285
Page 37
37 SUNDARAM ASSET MANAGEMENT FY25 Particulars Q2FY26 Q1FY26 Q2FY25 H1FY26 H1FY25 71,826 AUM (₹ in Crores) 82,608 80,501 76,845 82,608 76,845 58,660 Equity (₹ in Crores) 65,720 65,308 65,213 65,720 65,213 13,166 Debt (₹ in Crores) 16,888 15,193 11,632 16,888 11,632 154 PAT (₹ in Crores) 46 45 39 91 68 522 Net worth (₹ in Crores) 537 490 511 537 511 592 Staffs 616 599 576 616 576 13,42,476 Retail Investors 14,83,748 13,99,270 14,03,146 14,83,748 14,03,146 85 Branches 85 85 85 85 85
Page 38
38 More about Sundaram Finance 05
Page 39
39 SHAREHOLDING PATTERN 30-Sep-24 30-Sep-25 37.2% 5.5% 22.0% 2.5% 32.8% 37.2% 5.0% 22.8% 2.4% 32.6% Top institutional shareholders As of 30th September 2025 Promoters FIIs/FPIs and NRIsMutual Funds & AIFs PublicBanks, Financial Institutions & Insurance Companies Name of Shareholder Share % Nalanda India Equity Fund Limited 3.62 Bright Star Investments Private Limited 2.37 SBI Mutual Fund 1.36 United India Insurance Company Limited 1.09 Axis Mutual Fund 1.01 Damani Estate and Finance Private Limited 0.93 Vanguard Total International Stock Index Fund 0.90 HDFC Life Insurance Company Limited 0.85 Vanguard Emerging Markets Stock Index Fund 0.82 Nippon Life India Trustee Limited 0.71
Page 40
40 CREDIT RATINGS Instrument ICRA CRISIL Deposits AAA (Stable) AAA (Stable) Debentures AAA (Stable) AAA (Stable) Subordinated Debentures AAA (Stable) AAA (Stable) Long Term Loans AAA (Stable) AAA (Stable) Working Capital Facilities AAA (Stable) Commercial Paper A1+ A1+ Short Term Loans A1+
Page 41
41 SHARE PRICE MOVEMENT 339.18 218.80 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 SFL Closing Share Price S & P CNX Nifty Indexed share price and Nifty from September 2020
Page 42
42 SUBSIDIARIES & JOINT VENTURES • Sundaram Home Finance Limited • Sundaram Asset Management Company Limited • Sundaram Asset Management Singapore Pte. Limited • Sundaram Trustee Company Limited • Sundaram Alternate Assets Limited • Sundaram Fund Services Limited • LGF Services Limited Subsidiaries • Royal Sundaram General Insurance Co. Limited Joint Venture
Page 43
43 BOARD OF DIRECTORS Sri S. Viji Chairman Has over 5 decades of experience in Banking, Finance, Insurance and Automotive Component Manufacturing Industry. He is the Executive Vice Chairman of Brakes India Private Limited. B.Com. ACA MBA (University of Michigan, USA) Sri T. T. Srinivasaraghavan Non-executive Director Has over 4 decades of experience in Banking and Financial Services. He served as the Managing Director of the company for a period of 18 years. B.Com. MBA (Gannon University, Pennsylvania) Sri Srivats Ram Non-executive Director Has nearly 3 decades of rich experience in auto component manufacturing industry. He is the Managing Director of Wheels India Limited. BA (Economics) MBA (Case Western Reserve University, USA) Sri Raghuttama Rao Raghavendra Independent Director Has over 3 decades of work experience spanning Manufacturing, Financial Markets, Public Policy and Management Consulting. Currently CEO of GDC at IIT Madras. Formerly, MD of IMaCS and Joint Managing Director of ICRA. B.Tech. (Mech. Engg.) – IIT Madras CMA – ICWAI P.G.D.M. – IIM Ahmedabad Sri L. Ganesh Independent Director Has over 4 decades of Industrial experience and overall management of the companies. He is the Chairman of Rane Holdings Limited, one of the acknowledged leaders in the auto component industry since 2006. MBA (Pennsylvania State University, USA) ACA Ms Bhavani Balasubramanian Independent Director Has over 4 decades of audit experience including overseas experience. Formerly a partner of Fraser & Ross and Deloitte Haskins & Sells, with extensive experience in auditing a variety of clients, including listed companies and multinationals in different industries in India and abroad. FCA ACS
Page 44
44 BOARD OF DIRECTORS Dr. Kshama Fernandes Independent Director Has nearly 3 decades of experience spanning across management, risk advisory and academia. She is the Non- executive Vice Chairperson of the Northern Arc Group and Executive Chairperson of Northern Arc Investment Managers. PhD Finance Sri R. Venkatraman Independent Director Has close to 4 decades of experience in consulting and advisory services across various industries. He was the head of KPMG India’s consulting practice, and the co-head of their risk advisory services. He was also a partner at AT Kearney and Andersen Business Consulting. He is also a visiting professor at Indian Institute of Management, Trichy. BE (Mechanical) - Birla Institute of Technology, MBA /PGDM - IIM Bangalore Ms Anuradha Rao Independent Director Has nearly 4 decades of experience in Banking and Finance. Formerly served as Deputy Managing Director of State Bank of India. She also served as the Managing Director and Chief Executive Officer of SBI Funds Management Private Limited. B.Sc. (Osmania University) M.Sc. (Physics) – University of Hyderabad CAIIB Sri Harsha Viji Executive Vice Chairman Has more than 2 decades of experience in areas of specialisation particularly, strategy formulation, joint venture negotiations, new business development. Formerly with McKinsey & Company and PriceWaterhouse. B.Com. ACA MBA (Ann Arbor, Michigan) Sri Rajiv C. Lochan Managing Director Has nearly 3 decades of experience in the field of management especially in the areas of finance, social sector, and public health. Formerly MD & CEO of The Hindu Group and Partner at McKinsey & Company. B.Tech. (IIT, Madras) MS (MIT) MBA (Columbia Business School) Sri A. N. Raju Deputy Managing Director Has nearly 4 decades of experience in the Automobile, Engineering, Finance and General Management. Formerly with GE Capital & SRF Group. BSc (Engineering) MBA
Page 45
45 KEY MANAGERIAL PERSONNEL Sri M. Ramaswamy Chief Financial Officer He has nearly 4 decades of experience in the Company. He is the Chief Financial Officer of the Company from September 2011. He is responsible for the Treasury Management, Financial Planning & Accounting, Taxation and Regulatory Compliance. He is a member of the Risk Management Committee and Asset Liability Management Committee of the Company. B.Sc. (Statistics) ACA Sri P. N. Srikant Chief Compliance Officer & Company Secretary He has nearly 3 decades of experience in the Company/Group. He is the Chief Compliance Officer & Company Secretary and responsible for statutory compliance in respect of all laws and regulations applicable to the Company, including Company Law, SEBI and RBI. He liaises with the Board Members in connection with all Board related actions in the Company. B.Com (H) ACS PGDFM
Page 46
46 This document is for information purposes only and is not and does not form part of an invitation/ offer/advertisement/advise to purchase or sell any securities of the Company. The materials and information contained in the document are prepared by the Company and are correct and accurate, to the best of our knowledge. No information contained herein has been independently verified by anyone else or approved by any regulatory authorities. No warranty is given as to their accuracy and the company does not accept any responsibility and shall not be liable for any direct or indirect loss caused, arising from and/or use of this document. Forward-looking statements, if any, are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant statement. The contents of the website are subject to changes and reviews from time to time without notice. By accessing the site, you are deemed to accept the disclaimer clause. Sri M. Ramaswamy Chief Financial Officer Sundaram Finance Limited 21, Patullos Road Chennai – 600002 Sri P. N. Srikant Chief Compliance Officer & Company Secretary Sundaram Finance Limited 21, Patullos Road Chennai – 600002 044 – 28881207 pnsrik@sundaramfinance.in 044 – 28881341 m.ramaswamy@sundaramfinance.in