Investor Presentaiton
Realigned distribution with focus on increasing business from South;
reflected through increased disbursal contribution in Q3'22
7%
3%
11%
Retail AUM (as on Dec'21)
0.2%
1%
15%
3%
3%
0.3%
22%
13%
11%
Focus States
Core markets for SHFL - Aim to
become market leaders by
going deep and wide in these
geographies
New
Geographies
Growing presence in top 3-5
locations in these markets
Disbursals (zone-wise)
FY'21
SHRIRAM
HOUSING FINANCE
Q3'22
2%
19%
8%
1%
3%
10%
6%
0.4%
15%
19%
4%
2%
3%
2%
0.3%
0.1%
26%
8%
10%
25%
11%
8%
7%
Non Focus
States
We will sustain the business in
3%
these states
Q3 Disbursal
AUM
Portfolio
New Book *
FY'21
Branches
Q3'22
%
%
Stage-3 %
Stage 3 %
West
42%
45%
66
88%
87%
0.91%
0.27%
South
22%
30%
11
8%
7%
1.82%
0.51%
North
34%
23%
8
4%
6%
10.28%
0.70%
East
2%
2%
* Cases sourced from Jan 1, 2019 onwards
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