Shriram Finance Q4 FY23 Financial Overview

Growth Strategy * Strengthening presence and expanding reach * Increase penetration into rural and urban centers * Increase penetration of MSME Loan in the unorganized market to enhance market share Increased Reach & Branding Target AUM (Rs. bn) 1,857 2,822 Mar'23 Actual Mar'26 Target* New In Innovative san-al Products SHRIRAM Finance *Introduction of top-up products like finance for tyres, working capital and engine replacement * Economies of scale - incremental cost of new products is low * Opex to AUM low at 2.48% *CONSERVATIVE APPROACH IN LIGHT OF CHALLENGING MACROECONOMIC CONDITIONS SFL AUM expected to grow to Rs. 2,822 billion by end of FY'26 14

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