Shriram Finance Q2 FY27 profit after tax rises 59.37% to Rs. 36,770.3 mn as net interest income grows 38.20%
Q2 FY27 PAT up 59.37% to Rs. 36,770.3 mn, NII up 38.20%; Gross Stage 3 at 4.65% vs 4.57% a year ago.
By ScoutQuest · · 1 min read
- Q2 FY27 PAT
- Rs. 36,770.3 mn, up 59.37% YoY
- Net interest income
- Rs. 86,610.4 mn, up 38.20%
- Gross Stage 3
- 4.65% vs 4.57% a year ago
- Period
- Q2 FY27 / half-year ended September 30, 2026
- Positioning
- Shriram Finance presents itself as a diversified retail lender spanning commercial and passenger vehicles, construction and farm equipment, MSME, two-wheeler, gold and personal loans.
📉 Standalone profit after tax for Q2 FY27 was Rs. 36,770.3 mn, up 59.37% YoY, with net interest income of Rs. 86,610.4 mn, up 38.20%, as interest expended fell 9.90%. Half-year PAT was Rs. 71,215.9 mn, up 59.57%.
📉 Loan losses and provisions rose 40.81% YoY to Rs. 18,774.0 mn. Gross Stage 3 edged up to 4.65% from 4.57%, while Net Stage 3 eased to 2.31% and Stage 3 coverage rose to 51.48% from 46.70%.
📌 Commercial vehicles remain the largest book, with Gross Stage 1 assets of Rs. 1,344,274.1 mn and Gross Stage 3 at 4.78%; construction equipment shows the highest Gross Stage 3 at 7.28%.
📈 The company describes associate Shriram Automall India Limited as India's largest phygital marketplace for pre-owned vehicles and assets; SAMIL's Q2 FY27 profit after tax was Rs. 145.1 mn, of which SFL's share was Rs. 64.7 mn.
Also from Shriram Finance
Audio recording link of Q2 FY 2026-27 earnings call put up on company website
23 Oct 2026
Record date for interim dividend for FY 2026-27 fixed as October 29, 2026
23 Oct 2026
Committees to meet for NCD and bond issuance between November 2026 and January 2027
23 Oct 2026
More numbers
- Profit after tax, Q2 FY2736,770.3 (Rs. mn)
- PAT growth YoY, Q2 FY2759.37%
- Net interest income, Q2 FY2786,610.4 (Rs. mn)
- NII growth YoY, Q2 FY2738.20%
- Profit after tax, H1 FY2771,215.9 (Rs. mn)
- Loan losses & provisions, Q2 FY2718,774.0 (Rs. mn)
- Total revenue from operations (standalone), Q2 FY2713,789.42 (Rs. in crores)
- Gross Stage 3, Q2 FY274.65%
- Net Stage 3, Q2 FY272.31%
- Stage 3 coverage ratio, Q2 FY2751.48%
- EPS basic, Q2 FY2715.63
- SAMIL profit after tax, Q2 FY27145.1 (Rs. mn)
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