Shriram Finance Q4 FY23 Financial Overview
Strategic Presence In High Yield Used CV Segment
CV Financing Business Model
Pre-Owned
Age of Truck
1
2
3
4
5
6 7 8 9 10 11 12
Lending Rates
14-16%
16-24%
Target Segment
Performance
New
12-16%
SHRIRAM
Finance
* Small truck owners (less than 5 trucks) with underdeveloped * Existing customer base upgrading to new trucks
banking habits
* AUM of approximately Rs. 932.9 bn at the end of Q4 FY23 representing 50.24% (including Used and New).
LCV
Vehicles Sold
(Industry Data) MHCV
Total
FY14 FY15 FY16
432,233 382,206 383,307
200,618 232,755 302,397
632,851 614,961 685,704 714,232
FY17
FY18
411,703 516,140 616,579
302,529 340,313 390,740
FY19
FY20
FY21
492,882
FY22
FY23
407,871 475,989 603,465
224,806
160,688
240,577 359,003
856,453 1,007,319
717,688
568,559
716,566 962,468
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