SUNDARMFINNSE26 May 2025

Sundaram Finance Limited

3,764words
2turns
0analyst exchanges
0executives
Key numbers — 40 extracted
rs,
ility H o n e s t y H u mility Mission To deliver the “Sundaram experience” to all our customers, big and small, in keeping with the ethos of the company 4 THE SUNDARAM WAY Service To be of serv
100%
count 6,05,445 30,83,101 65,261 13,42,476 Joint Venture with Ageas Insurance International NV 100% subsidiary 100% subsidiary Group 1,49,971 1,108 11,977 50,96,283 * Includes off roll employ
Rs. 1,50,000
p across lending, general insurance, home finance and asset management with total AUM of nearly Rs. 1,50,000 cr. Lending business focused on the underserved but aspiring Indian entrepreneur (road transpor
₹51,476 Crore
ALL HIGHLIGHTS OF FINANCIAL PERFORMANCE As of 31st March 2025 AUM Gross Stage 3 Cost-to-income ₹51,476 Crores 1.44% 30.80% ROA 2.85% ROE 16.3%* 17.0% up from Mar 24 1.26% in Mar 24 34.68% in FY24 3
1.44%
F FINANCIAL PERFORMANCE As of 31st March 2025 AUM Gross Stage 3 Cost-to-income ₹51,476 Crores 1.44% 30.80% ROA 2.85% ROE 16.3%* 17.0% up from Mar 24 1.26% in Mar 24 34.68% in FY24 3.18% in
30.80%
CIAL PERFORMANCE As of 31st March 2025 AUM Gross Stage 3 Cost-to-income ₹51,476 Crores 1.44% 30.80% ROA 2.85% ROE 16.3%* 17.0% up from Mar 24 1.26% in Mar 24 34.68% in FY24 3.18% in FY24 17
2.85%
NCE As of 31st March 2025 AUM Gross Stage 3 Cost-to-income ₹51,476 Crores 1.44% 30.80% ROA 2.85% ROE 16.3%* 17.0% up from Mar 24 1.26% in Mar 24 34.68% in FY24 3.18% in FY24 17.5% in FY24
16.3%
1st March 2025 AUM Gross Stage 3 Cost-to-income ₹51,476 Crores 1.44% 30.80% ROA 2.85% ROE 16.3%* 17.0% up from Mar 24 1.26% in Mar 24 34.68% in FY24 3.18% in FY24 17.5% in FY24 *Core ROE (
17.0%
h 2025 AUM Gross Stage 3 Cost-to-income ₹51,476 Crores 1.44% 30.80% ROA 2.85% ROE 16.3%* 17.0% up from Mar 24 1.26% in Mar 24 34.68% in FY24 3.18% in FY24 17.5% in FY24 *Core ROE (excludin
1.26%
e 3 Cost-to-income ₹51,476 Crores 1.44% 30.80% ROA 2.85% ROE 16.3%* 17.0% up from Mar 24 1.26% in Mar 24 34.68% in FY24 3.18% in FY24 17.5% in FY24 *Core ROE (excluding investments in subsid
34.68%
me ₹51,476 Crores 1.44% 30.80% ROA 2.85% ROE 16.3%* 17.0% up from Mar 24 1.26% in Mar 24 34.68% in FY24 3.18% in FY24 17.5% in FY24 *Core ROE (excluding investments in subsidiaries) at 19.0% v
3.18%
es 1.44% 30.80% ROA 2.85% ROE 16.3%* 17.0% up from Mar 24 1.26% in Mar 24 34.68% in FY24 3.18% in FY24 17.5% in FY24 *Core ROE (excluding investments in subsidiaries) at 19.0% vs. 16.5% 210%
Guidance — 1 items
Joint Control Entity
opening
“Adjustment arising out of Consolidation Total 31-Mar-24 9,472 31-Mar-25 11,139 FY24 1,454 1,880 2,097 - 431 1 22 4 4 821 (1,557) 11,078 - 522 1 60 5 4 932 (1,563) 13,197 236 125 112 - 2 2 - 84 (579) 1,436 FY25 1,543 245 - 154 - 3 2 - 67 (135) 1,879 * Sundaram Finance Holdings Limited ceased to be a subsidiary of the Group during the quarter ended March 2024.”
Risks & concerns — 3 flagged
Venkatraman Independent Director Ms Anuradha Rao Independent Director Has nearly 3 decades of experience spanning across management, risk advisory and academia.
— Joint Control Entity
He was the head of KPMG India’s consulting practice, and the co-head of their risk advisory services.
— Joint Control Entity
He is a member of the Risk Management Committee and Asset Liability Management Committee of the Company.
— Joint Control Entity
Speaking time
Subsidiaries
1
Joint Control Entity
1
Opening remarks
Subsidiaries
Sundaram Home Finance Ltd. Sundaram Finance Holdings Ltd. (Consolidated)* Sundaram Asset Management Company Ltd. (Consolidated) Sundaram Fund Services Ltd. Sundaram Finance Employees Welfare Trust Sundaram Trustee Company Ltd. LGF Services Ltd.
Joint Control Entity
Royal Sundaram General Insurance Co. Ltd. Adjustment arising out of Consolidation Total 31-Mar-24 9,472 31-Mar-25 11,139 FY24 1,454 1,880 2,097 - 431 1 22 4 4 821 (1,557) 11,078 - 522 1 60 5 4 932 (1,563) 13,197 236 125 112 - 2 2 - 84 (579) 1,436 FY25 1,543 245 - 154 - 3 2 - 67 (135) 1,879 * Sundaram Finance Holdings Limited ceased to be a subsidiary of the Group during the quarter ended March 2024. Consequently, the Company started recognizing this investment at fair value through other comprehensive income as per IND AS 109 from the quarter ended March 2024. Accordingly, the total comprehensive income for the year ended March 2025 is not comparable with the previous year. 33 SUNDARAM HOME FINANCE Particulars Disbursements (₹ in Crore) Housing Non-Housing AUM (₹ in Crore) Housing Non-Housing PAT (₹ in Crore) EPS (₹) (Annualized) Net worth (₹ in Crore) Book Value (₹) Gross Stage 3% Net Stage 3% CAR Branches Staffs Customers Q4FY25 Q3FY25 Q4FY24 1,929 49.3% 50.7% 17,428 58.4% 41.6% 71.6
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