Shriram Finance Q4 FY23 Financial Overview

SHRIRAM Valuation Expertise & Relationship Based Model Knowledge Driven Valuation Model Critical Success Factor Valuation 00 SFL has right mix of scale and skill Awareness of load structure / business mix Vehicle Assessment Loan Amount Old CVs 60-70% LTV Ratio EMI Repayment Ability New CVs 75-80% LTV Ratio Finance Relationship Based Recovery Model Compulsory monthly visits Managing large cash collections Small Truck Operators Underdeveloped banking habits Field Officers Loan Origination Inspection & Valuation Well-aligned Financing incentives structure Customer Base Collection/Repossession 9

View entire presentation