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Net interest income grew 16.17% to Rs 6,764.09 crore in Q3 FY26 as against Rs 5,822.69 crore recorded in the same period a year ago. As of 31 December 2025, total assets under management climbed 14.63% to Rs 291,709.03 crore compared to Rs 254,469.69 crore as of 31 December 2024.
The liquidity coverage ratio was at 334.93% as of 31 December 2025, as against 265.24% as of 31 December 2024. The cost-to-income ratio increased to 29.66% in Q3 FY26 from 28.59% in Q3 FY25.
The firm's return on assets (ROA) (including exceptional items) and return on equity (ROE) (including exceptional items) stood at 3.09% and 4.94%, respectively, in the quarter ended 31 December 2025.
Operating profit improved by 14.33% to Rs 4,670.52 crore in Q3 FY26 from Rs 4,084.98 crore in Q3 FY25.
The board of directors had earlier, on 19 December 2025, approved a proposal to raise Rs 39,618 crore through a preferential issue of 47.11 crore fully paid-up equity shares of face value Rs 2 each at an issue price of Rs 840.93 per share to Japan-based MUFG Bank. The proposed allotment represents 20% of the post-preferential equity share capital on a fully diluted basis.
The company said the requisite resolutions were approved by shareholders at the extraordinary general meeting held on 14 January 2026. The preferential issue is currently awaiting statutory and regulatory approvals. Upon completion, MUFG Bank will become a minority public shareholder in the company.
Shriram Finance said its overseas subsidiary, Shriram Overseas Investments (SOIL), formerly known as Shriram Overseas Investments, became a wholly-owned subsidiary on May 9, 2025.
SOIL holds an 81.63% stake in Bharat Investments Pte., Singapore, which has an associate entity in Bahrain.
Shriram Finance is India's largest retail asset financing non-banking finance company (NBFC). It is the flagship company of the Shriram Group, which has a significant presence in consumer finance, life insurance, general insurance, housing finance, stock broking, and distribution businesses.
Shares of Shriram Finance shed 0.92% to Rs 994.25 on the BSE.
Metal shares advanced after declining in the past trading session.
At 10:25 IST, the barometer index, the S&P BSE Sensex jumped 310.06points or 0.38% to 81,847.76. The Nifty 50 index rose 112.70 points or 0.43% to 25,156.70.
In the broader market, the S&P BSE Mid-Cap index added 0.23% and the S&P BSE Small-Cap index fell 0.16%.
The market breadth was negative. On the BSE, 2,353 shares rose and 1,524 shares fell. A total of 232 shares were unchanged.
Result Today:
Asian Paints (up 0.12%), Tata Consumer Products (up 0.92%), Aditya Vision (down 0.51%), Bikaji Foods International (down 0.35%), CG Power and Industrial Solutions (down 0.85%), Vodafone Idea (down 0.81%), International Gemmological Institute India (down 2.16%), Mahindra Logistics (up 0.76%), Marico (up 0.40%), Motilal Oswal Financial Services (down 2.09%), NESCO (down 2.51%), Raymond (up 2.23%), Spandana Sphoorty Financial (down 2.86%), Vishal Mega Mart (down 0.44%), and WeWork India Management (down 3.85%) will announce their quarterly earnings today.
Buzzing Index:
The Nifty Metal index advanced 2.39% to 11,751.60. The index declined 0.83% in the past trading session.
Adani Enterprises (up 4.92%), APL Apollo Tubes (up 3.67%), JSW Steel (up 3.19%), Hindustan Copper (up 3.1%) and Jindal Stainless (up 2.96%), Hindustan Zinc (up 2.92%), Vedanta (up 2.43%), National Aluminium Company (up 2.24%), Hindalco Industries (up 1.63%) and Tata Steel (up 1.54%) advanced.
Stocks in Spotlight:
Indusind Bank fell 0.58% after the bank reported 88.5% decline in standalone net profit to Rs 161.16 crore on 13.67% fall in total income to Rs 13,079.39 crore in Q3 FY26 over Q3 FY25.
Shriram Finance shed 0.29%. The NBFC’s standalone net profit declined 29.36% to Rs 2,521.67 crore on a 13.88% increase in total income to Rs 12,191.58 crore in Q3 FY26 over Q3 FY25.
Shares of Shriram Finance fell 0.29% to close at Rs 1,003.45 on the BSE.
Fitch Ratings has placed India-based Shriram Finance's (SFL) Long-Term Foreign- and Local-Currency Issuer Default Ratings (IDRs) of 'BB+' and Short-Term IDR of 'B' on Rating Watch Positive (RWP). The company's medium-term note programme and debt ratings have also been placed on RWP.
The RWP follows an agreement under which MUFG Bank (A/Stable), a subsidiary of Mitsubishi UFJ Financial Group, Inc. (MUFG, A-/Stable), will acquire a 20% stake in SFL. Fitch believes SFL's rating could benefit from a one-notch uplift to its Standalone Credit Profile (SCP), reflecting the strategic investment from a stronger long-term shareholder, in line with Fitch's criteria.
Fitch expects to resolve the RWP once the transaction is completed, which SFL expects to occur in 2026, subject to regulatory approvals and other closing conditions. The rating could stay at its present level or be upgraded upon the resolution of the RWP.
Shriram Finance Ltd is up for a third straight session in a row. The stock is quoting at Rs 1010.15, up 2.96% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 0.35% on the day, quoting at 25755.6. The Sensex is at 83702.57, up 0.38%. Shriram Finance Ltd has risen around 16.89% in last one month.
Meanwhile, Nifty Financial Services index of which Shriram Finance Ltd is a constituent, has risen around 1.23% in last one month and is currently quoting at 27501.4, up 0.31% on the day. The volume in the stock stood at 84.89 lakh shares today, compared to the daily average of 100.18 lakh shares in last one month.
The benchmark January futures contract for the stock is quoting at Rs 1011, up 2.89% on the day. Shriram Finance Ltd is up 91.86% in last one year as compared to a 11% spurt in NIFTY and a 22.02% spurt in the Nifty Financial Services index.
The PE of the stock is 20.45 based on TTM earnings ending September 25.
The company's long term rating continues on 'Watch Positive' while short-term rating is reaffirmed at CRISIL A1+.