CreditBrief

What Shriram Finance lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹3.29 lakh crore (+8.8% since March).

Shriram FinanceNBFCs

₹3.02lakh croretotal AUM on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers2ndof 13 NBFCs on CreditBrief, March 2026
Biggest segment46.5%Commercial Vehicles, latest split (30 Sep 2026)
Share of the combined book13.5%of all NBFCs on CreditBrief

Chapter 01 · The loan book

₹3.02 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Shriram Finance's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from commercial vehicles down, and you get ₹3.02 lakh crore. By 30 Sep 2026 it was ₹3.29 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

86%People and households₹2.83 lakh croreCommercial VehiclesPassenger VehiclesConstruction EquipmentsFarm EquipmentsTwo Wheelers
14%Businesses₹46,184 croreMSME

Drilling down: what it lends against · 30 Sep 2026

  • Commercial Vehicles₹1.53 lakh crore46.5%
  • Passenger Vehicles₹71,542 crore21.7%
  • MSME₹46,184 crore14%
  • Two Wheelers₹17,981 crore5.5%
  • Personal Loans₹12,415 crore3.8%
  • Construction Equipments₹11,930 crore3.6%
  • Gold₹8,974 crore2.7%
  • Farm Equipments₹6,966 crore2.1%

Includes securitised loans and ₹1,528 crore sold by direct assignment. The filing states figures in ₹ million.

Sources: Shriram Finance Investor Presentation Q4 FY26 (filed with Outcome of Board Meeting, 24 Apr 2026), PDF page 57 ↗ for March 2026; Shriram Finance Investor Presentation Q2 FY27 (filed with Outcome of Board Meeting, 23 Oct 2026), PDF page 51 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 17% a year since March 2022.

From ₹1.60 lakh crore on 31 March 2022 to ₹3.02 lakh crore on 31 March 2026, and ₹3.29 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights12 figures from 4 filings · each checked against its pageHow it works
Shriram Finance · loan book · 31 March 2026₹3.02lakh crore+15% in FY2025-26₹3.29 lakh crore by 30 Sep 2026
  1. 0117%a year since 2022Grew 17% a year from March 2022 to March 2026, faster than 2 of the 10 other NBFCs with like-for-like figures for those years.
  2. 0215%in FY2025-26Growth slowed to 15% in FY2025-26, from 17% the year before.
  3. 032ndamong peersHeld its place as the 2nd biggest of these 13 NBFCs from March 2022 to March 2026.
Branches3,225+0.2% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · total AUM1,60,2271,85,6832,24,8622,63,1903,02,2743,29,022
BranchesNumber2,8402,9223,0823,2203,2253,225

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Shriram Finance, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

Shriram Finance, Q2 FY2026-27: loan book ₹3.29 lakh crore, +8.8% since March

  • ₹3.29 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Commercial Vehicles, 47% of the book
  • Every figure links to page 51 of its filing

Chapter 03 · Among its peers

2nd biggest of 13 NBFCs we cover, March 2026.

At the end of FY2025-26 it held 13.5% of the combined loan book of the NBFCs on CreditBrief. NBFCs and housing finance companies report assets under management.

  1. 1Bajaj Finance₹5.10 lakh crore
  2. 2Shriram Finance₹3.02 lakh crore
  3. 3Tata Capital₹2.77 lakh crore
  4. 4Cholamandalam Investment and Finance₹2.24 lakh crore
  5. 5Muthoot Finance₹1.63 lakh crore
  6. 6Aditya Birla Capital₹1.60 lakh crore
  7. 7Mahindra Finance₹1.34 lakh crore
  8. 8L&T Finance₹1.22 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Jobs at Shriram Finance

Openings are on the lender's own careers page, which we loaded and read on the jobs page.

Open the careers page ↗

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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