Slides
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PERFORMANCE HIGHLIGHTS 9MFY26
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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
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3 Overview of Sundaram Finance 01
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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
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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
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6 THE SF GROUP 58,236 748 7,589 6,46,779 9,836 139 2,040 35,73,108 19,230 181 1,948 67,988 1,73,497 1,153 12,212 57,85,204 Group AUM (₹ in Cr.) Branches Staff * Customer count 86,195 85 635 14,97,329 100% subsidiary 100% subsidiary Joint Venture with Ageas Insurance International NV * Includes off roll employees
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7 STRATEGIC SOURCES OF DISTINCTIVENESS 72-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. 1,70,000 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
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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
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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
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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
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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
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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
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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)
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14 Financial results & performance 02
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OVERALL HIGHLIGHTS OF FINANCIAL PERFORMANCE 15 AUM ₹58,236 Crores 16.0% up from Dec 24 Gross Stage 3 1.91% 1.70% in Dec 24 Cost-to-income 28.72% 31.37% in 9MFY25 ROA 2.67% 2.49% in 9MFY25 *Core ROE (excluding investments in subsidiaries) at 17.3% vs. 17.9% ROE 15.5%* 14.3% in 9MFY25 15 As of 31st December 2025 160% interim dividend (₹ 16/- per share) declared
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16 HIGHLIGHTS – GROWTH OF 16% IN ASSETS UNDER MANAGEMENT For the quarter, industry sales in segments and geographies we operate in have been at high single-digit to low double-digit growth compared to last year, aided by the GST rate reduction and the sentimental festival season demand. Tractor sales have been notably buoyant (up 28% compared to last year), a reflection of rural sentiments as well as a lower base. While MHICV TIV has grown 8%, LSCV TIV is up 17% and passenger car TIV is up 12% Y-o-Y. We have extended our market share across asset classes & geographies and expect to maintain this trajectory in the months ahead. The assets under management stood at ₹58,236 crores as on 31st December 2025 as against ₹50,199 crores as on 31st December 2024, registering a 16% increase year-on-year. Disbursements for 9MFY26 recorded a growth of 13% to ₹24,270 crores as compared to ₹21,532 crores registered in 9MFY25. Disbursements for Q3FY26 recorded a growth of 14% to ₹8,847 crores as compared to ₹7,764 crores registered in Q3FY25. Net interest income grew by 21% to ₹2,475 crores in 9MFY26 from ₹2,040 crores in 9MFY25. Q3FY26 growth in NII was 19% to ₹872 crores.
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17 HIGHLIGHTS – ASSET QUALITY CONTINUES TO REMAIN INDUSTRY BEST Asset quality pressures have remained elevated within the broader financial system. State government fiscal position remains challenged in multiple states and payments to contractors & MSMEs delayed. Consequent cash flow pressures have adversely impacted MSMEs across the system. Our asset quality remains best-in-class and our collections performance improved in Q3FY26 driven by our strong customer relationships, stringent credit standards and focused collections activity by team Sundaram. We anticipate continued improvement in the months ahead. Gross stage 3 assets as on 31st December 2025 stood at 1.91% with provision cover of 45% when compared to 1.70% with 43% provision cover as of 31st December 2024. Net stage 3 assets as on 31st December 2025 closed at 1.06% as against 0.97% as on 31st December 2024. The Gross and Net NPA, as per RBI’s asset classification norms, are 2.69% and 1.73% respectively as against 2.46% and 1.62% as of 31st December 2024. Current collections, measured as collections of current demand, for 9MFY26 is at 91%.
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18 HIGHLIGHTS – PROFITABILITY IMPROVED CONSISTENTLY Profits after tax grew 23% in 9MFY26 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 9MFY26 was at 2.67% as against 2.49% for 9MFY25. Return on equity (ROE) was at 15.5% for 9MFY26 as against 14.3% for 9MFY25. If we exclude investments in subsidiaries and group companies, core ROE was at 17.3% for 9MFY26 as against 17.9% for 9MFY25. Excluding the impact of new Labour Codes, the ROA, ROE and Core ROE for 9MFY26 were 2.8%, 16.1% and 18.1%, respectively. Profit from operations increased by 20% in 9MFY26 as compared to 9MFY25 and for Q3FY26 by 27% Y-o-Y. Cost to income ratio improved to best-in-class levels of 28.72% in 9MFY26 as against 31.37% in 9MFY25. Dividend income in 9MFY26 was ₹137 crores as against ₹43 crores in 9MFY25. Profit after tax registered a 23% rise in 9MFY26 with net profit at ₹1,226 crores as against ₹997 crores in 9MFY25. For Q3FY26, PAT grew 15% to Rs. 403 crores. During the period, the Company has considered ₹66 crores under “Exceptional Items” for the incremental impact of the new Labour Codes.
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19 PROFIT & LOSS STATEMENT FY25 Particulars Q3FY25 Q3FY26 Q2FY26 9MFY25 9MFY26 6,231 Revenue From Operations* 1,616 1,876 1,768 4,588 5,373 168 Dividend Income - - 14 43 137 76 Other Income 16 17 4 35 24 6,475 TotalRevenue 1,632 1,893 1,786 4,666 5,534 3,254 Finance cost 835 940 901 2,403 2,735 917 Operating expenses 239 259 253 685 756 242 Impairment 91 102 117 243 377 4,413 TotalExpenses 1,165 1,301 1,271 3,331 3,868 2,062 Profit Before T ax 467 592 515 1,335 1,666 - Exceptional Items (Impact of New Labour Codes) - (66) - - (66) 1,543 Profit After Tax 349 403 394 997 1,226 *Revenue from operations is net of depreciation on operating lease. ₹ in Crore
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20 BALANCE SHEET 31-Mar-25 Particulars 31-Dec-24 31-Dec-25 Equity and Liabilities 47,958 Financial Liabilities 46,933 53,594 118 Non-Financial Liabilities 103 265 11,139 Equity 10,742 12,721 59,215 Total – Equity and Liabilities 57,778 66,580 Assets 58,287 Financial Assets 56,786 65,693 928 Non-Financial Assets 992 887 59,215 Total – Assets 57,778 66,580 ₹ in Crore
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21 Key trends in financial performance 03
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22 FINANCIAL SUMMARY * Adjusted for demerger ₹460.57 Cr, # Includes special dividend of 50%, @ Excludes exceptional item & Interim Dividend 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 Dec-24 111 10,742 21,532 58,660 997 &140 46,038 Dec-25 111 12,721 24,270 68,271 1,226 &160 58,694
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30,882 29,532 34,552 43,987 51,476 50,199 58,236 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 23 DISBURSEMENTS AND AUM Disbursements ₹ in Crore Growth -22.6% 13.1% 57.9% 24.8% 8.6% 7.9% 12.7% AUM Growth 3.2% -4.4% 17.0% 27.3% 17.0% 19.0% 16.0% 6,908 7,310 6,860 8,113 7,764 8,847 11,742 13,275 20,966 26,163 28,405 21,532 24,270 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Q1 Q2 Q3
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44.2% 26.1% 10.9% 4.1% 14.7% 24 DISBURSEMENTS Dec-24 ₹ 21,532 Cr. Dec-25 Region wise 23.2% 20.0% 24.2% 10.8% 7.1% 14.7% ₹ 21,532 Cr. Asset wise 45.2% 24.8% 10.9% 4.1% 15.0% ₹ 24,270 Cr. 23.2% 19.0% 24.8% 10.6% 7.4% 15.0% ₹ 24,270 Cr. Construction Equipment Cars Tractors MHCV West North East South Used Assets – 22.8% Used Assets – 22.3% Retail CV ICV, LCV and SCV as Retail CV Commercial Lending & Others Commercial Lending & Others
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45.3% 26.3% 11.5% 4.1% 12.8% 25 AUM Dec-24 ₹ 50,199 Cr. Dec-25 Region wise 24.1% 20.9% 24.5% 10.6% 7.1% 12.8% ₹ 50,199 Cr. Asset wise 45.1% 25.7% 11.4% 4.1% 13.7% ₹ 58,236 Cr. 23.9% 19.8% 25.0% 10.6% 7.0% 13.7% ₹ 58,236 Cr. West North East South Used Assets – 18.5% Used Assets – 18.0% ICV, LCV and SCV as Retail CV Construction Equipment Cars Tractors MHCV Retail CV Commercial Lending & Others Commercial Lending & Others
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26 BRANCH NETWORK Dec-24 Dec-25 370 234 82 44 18 South North West East No. of Branches: 711 No. of Staff: 7,344 No. of Branches: 748 No. of Staff: 7,589 360 217 81 40 13 Commercial Lending
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27 PORTFOLIO QUALITY 1.84% 2.19% 1.66% 1.26% 1.44% 1.70% 1.91% Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 1.01% 1.07% 0.86% 0.63% 0.75% 0.97% 1.06% Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Gross Stage 3% Net Stage 3%
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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% 29.7% 34.4% 19.9% 19.9% 25.9% 35.8% 33.1% 35.6% 34.2% 11.3% 11.0% 11.4% 11.5% 13.6% 10.7% 11.2% 14.3% 15.1% 14.8% 14.2% 13.5% 13.6% 12.3% 2.5% 6.8% 4.7% 9.6% 10.4% 7.9% Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Debentures Bank Borrowings* Securitisation Deposits Commercial Paper ₹ 28,297 Cr.₹ 29,251 Cr. ₹ 32,915 Cr. ₹ 40,941 Cr. ₹ 47,362 Cr. ₹ 53,011 Cr.₹ 46,386 Cr.
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29 PAT & ROA Profit after Tax ₹ in Crore EPS (₹) 72.8 81.3 98.0 130.9 138.9 89.7 110.3 2.3 2.5 2.8 3.2 2.9 2.5 2.7 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Return on Assets - % 671 308 429 340 394 349 403 120 809 903 1,088 1,454 1,543 997 1,226 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Q1 Q2 Q3
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30 NET WORTH 6,179 6,893 7,737 9,472 11,139 10,742 12,721 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Book Value (₹) 556.2 620.4 696.4 852.5 1,002.6 966.8 1,144.9 Net worth ₹ in Crore
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31 LEVERAGE AND CAPITAL ADEQUACY 4.6 4.0 4.2 4.3 4.3 4.3 4.2 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 22.1% 24.4% 22.8% 20.5% 20.4% 20.0% 19.1% Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 Leverage Capital adequacy
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32 Consolidated results 04
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33 CONSOLIDATED RESULTS Profit after Tax ₹ in Crore EPS (₹) 105.7 106.5 120.5 130.3 170.6 120.4 136.5 Net Worth Book Value(₹) 701.6 798.2 900.2 1,005.3 1,197.4 1,157.5 1,366.1 7,730 8,795 9,920 11,078 13,197 12,757 15,056 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25 435 475 436 488 455 5421,165 1,173 1,328 1,436 1,879 1,326 1,505 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Dec-24 Dec-25
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34 CONSOLIDATED RESULTS Particulars Share of Net Worth Share in Profit 31-Dec-24 31-Dec-25 9MFY25 9MFY26 Sundaram Finance Ltd. 10,742 12,721 997 1,226 Subsidiaries: Sundaram Home Finance Ltd. 2,053 2272 173 212 Sundaram Asset Management Company Ltd. (Consolidated) 546 588 107 139 Other Subsidiaries 66 88 4 3 Joint Control Entity: Royal Sundaram General Insurance Co. Ltd. 910 976 67 80 Adjustment arising out of Consolidation (1,560) (1,589) (22) (155) Total 12,757 15,056 1,326 1,505 ₹ in Crore
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35 SUNDARAM HOME FINANCE FY25 Particulars Q3FY26 Q2FY26 Q3FY25 9MFY26 9MFY25 6,517 Disbursements (₹ in Crore) 1,741 1,681 1,692 4,911 4,588 51.5% Housing 48.5% 44.8% 52.5% 47.3% 52.4% 48.5% Non-Housing 51.5% 55.2% 47.5% 52.7% 47.6% 17,428 AUM (₹ in Crore) 19,230 18,572 16,331 19,230 16,331 58.4% Housing 56.0% 57.0% 59.2% 56.0% 59.2% 41.6% Non-Housing 44.0% 43.0% 40.8% 44.0% 40.8% 244.7 PAT (₹ in Crore) 75.1 74.7 62.6 212.1 173.1 24.16 EPS (₹) (Annualized) 29.68 29.50 24.71 27.93 22.79 2,097 Net worth (₹ in Crore) 2,272 2,200 2,053 2,272 2,053 207.11 Book Value (₹) 224.35 217.30 202.72 224.35 202.72 1.0% Gross Stage 3% 1.4% 1.2% 1.3% 1.4% 1.3% 0.5% Net Stage 3% 0.8% 0.6% 0.7% 0.8% 0.7% 18.7% CAR 18.0% 18.4% 19.3% 18.0% 19.3% 168 Branches 181 171 152 181 152 1,862 Staffs 1,948 1,885 1,795 1,948 1,795 65,261 Customers 67,988 71,592 64,754 67,988 64,754
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36 ROYAL SUNDARAM FY25 Particulars Q3FY26 Q2FY26 Q3FY25 9MFY26 9MFY25 4,065 Gross Written Premium (₹ in Crore) 1,032 1,062 912 3,384 2,965 9,241 AUM (₹ in Crore) 9,836 9,595 9,178 9,836 9,178 133 PAT (₹ in Crore) 39 (6) 9 160 134 146 Other Comprehensive Income (Net of Taxes) (15) (62) (6) (58) 76 279 Total Comprehensive Income 24 (68) 3 102 210 1,863 Net worth (₹ in Crore) 1,952 1,928 1,821 1,952 1,821 113% Combined Operating Ratio 119% 127% 115% 118% 114% 145 Branches 139 140 151 139 151 2,230 Staffs 2,040 2,118 2,281 2,040 2,281 30,83,101 Customers 35,73,108 32,79,851 31,70,093 35,73,108 31,70,093
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37 SUNDARAM ASSET MANAGEMENT FY25 Particulars Q3FY26 Q2FY26 Q3FY25 9MFY26 9MFY25 71,826 AUM (₹ in Crores) 86,195 82,608 76,038 86,195 76,038 58,660 Equity (₹ in Crores) 69,382 65,720 62,625 69,382 62,625 13,166 Debt (₹ in Crores) 16,813 16,888 13,413 16,813 13,413 154 PAT (₹ in Crores) 47 46 39 139 107 522 Net worth (₹ in Crores) 588 537 546 588 546 592 Staffs 635 616 581 635 581 13,42,476 Retail Investors 14,97,329 14,83,748 14,19,211 14,97,329 14,19,211 85 Branches 85 85 85 85 85
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38 More about Sundaram Finance 05
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39 SHAREHOLDING PATTERN 31-Dec-24 31-Dec-25 37.2% 5.4% 22.1% 2.5% 32.8% 37.2% 5.2% 22.9% 2.2% 32.5% Top institutional shareholders As of 31st December 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 1.06 Axis Mutual Fund 1.01 Damani Estate and Finance Private Limited 0.93 Vanguard Total International Stock Index Fund 0.91 Nippon Life India Trustee Limited 0.88 Vanguard Emerging Markets Stock Index Fund 0.84 HDFC Life Insurance Company Limited 0.79
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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+
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41 SHARE PRICE MOVEMENT 292.80 186.88 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 Dec-25 SFL Closing Share Price S & P CNX Nifty Indexed share price and Nifty from December 2020
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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 • Capitalgate Investment Advisors Private Limited • Sundaram Fund Services Limited • LGF Services Limited Subsidiaries • Royal Sundaram General Insurance Co. Limited Joint Venture
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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 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 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 PhD in Economics – IIT Madras 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
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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 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 over 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 nearly 3 decades of experience in areas of specialisation particularly, strategy formulation, joint venture negotiations, new business development. Formerly with McKinsey & Company and Price Waterhouse. B.Com. ACA MBA (Ann Arbor, Michigan) Sri Rajiv C. Lochan Managing Director Has 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 4 decades of experience in the Automobile, Engineering, Finance and General Management. Formerly with GE Capital and SRF Group. BSc (Engineering) MBA
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45 KEY MANAGERIAL PERSONNEL Sri M. Ramaswamy Chief Financial Officer He has 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 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
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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