SUNDARMFINNSE26 May 2025

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Sundaram Finance Limited

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PERFORMANCE HIGHLIGHTS

FY25

CONTENTS

Overview of Sundaram Finance

Financial results & performance

Key trends in financial performance

Consolidated results

More about Sundaram Finance

01 Overview of Sundaram Finance

OUR VISION, MISSION AND PHILOSOPHY

Vision

To be the most respected NBFC in the country

Fairplay

Service

Prudence

y t i r g e t n I

Openness

Discipline

Relationships

Growth Quality Profitability

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

THE SUNDARAM WAY

Service To be of service even when time is against you

Discipline To know that discipline is your ally in all situations

Prudence To be the voice of prudence in the midst of chaos

Fair play To stand for fair play when the odds are stacked against you

Humility To realise that humility is the greatest virtue

Honesty To believe that honesty is the only policy

Openness To be open to scrutiny, anywhere, anytime

Integrity To put integrity about all else

Relationships To know that we are not merely the holders of people’s money; but more importantly the custodians of their trust

THE SF GROUP

AUM

Branches

51,476

9,241

17,428

71,826

710

145

168

Staff *

7,293

2,230

1,862

592

Customer count

6,05,445

30,83,101

65,261

13,42,476

Joint Venture with Ageas Insurance International NV

100% subsidiary

Group

1,49,971

1,108

11,977

50,96,283

* Includes off roll employees

STRATEGIC SOURCES OF DISTINCTIVENESS

70-year heritage of trust and prudence

Pioneer of hire-purchase finance in India

Diversified financial services group 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 transport operator, infrastructure contractor, small farmer, MSME owner)

Legacy of deep deposit customer connect and loyalty with 80+% renewal rate across offerings

Technology-enabled and data-powered approach to a high-touch customer approach

Consistent best-in-class asset quality performance over decades

PRODUCT OFFERINGS

Asset Finance

Commercial lending

Working capital finance

Distribution

• Cars

• Commercial vehicles

• Construction equipment

• Leasing

• NBFC

• SME

• Diesel

•

Insurance

• Tyre

• Fixed Deposits

• General insurance

• Home loans

• Tractors and farm equipment

• Supply chain financing

• Sundaram Credit Line

•

Investment services

• Used vehicles

• Life insurance

• Mutual funds

SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS

Receivables Under Management

₹ in Crore

60,290

51,385

39,950

7,327

5,452

8,925

9,204 10,219

17,645 18,158 18,734

15,540

12,354

33,447 35,088 35,736

33,774

28,648

24,036

20,699

Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25

SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS

PAT

₹ in Crore

1,543

1,454

120

410

355

443

454 26

477 41

563

495

171 89

213 77

151

100

227 26 201

295 39

1,126

522

1,088

903

809

724 53

1,334

604

671

Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25

Exceptional item

SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS

Market Capitalization

₹ in Crore

50,824

45,983

16,859

14,450

17,940 18,634 17,318

13,366

28,560

25,548

21,560

1,078 1,099 1,602

917

2,096 2,722 3,645

7,359

5,265

Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25

SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS

Core Return on Equity %*

28.3

26.8

23.5

18.8

19.5

17.0

15.5

18.0

15.3

19.9

19.3

18.2

18.5

19.0

16.5

16.3

16.5

13.0

12.6

Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25

ROE% 22.8

11.9

22.1

13.7

18.4

20.7

21.4

21.2

19.7

17.6

15.2

14.0

14.3

24.5

13.7

13.8

14.9

17.5

16.3

* Core ROE (excluding investments in subsidiaries)

02 Financial results & performance

OVERALL 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

3.18% in FY24

17.5% in FY24

*Core ROE (excluding investments in subsidiaries) at 19.0% vs. 16.5%

210% final dividend (₹ 21/- per share) declared Total dividend for FY25 350% (₹ 35/- per share)

14 14

HIGHLIGHTS – GROWTH OF 17% IN ASSETS UNDER MANAGEMENT

Industry sales in segments and geographies we operate in were flat compared to last year and well below the expectations. MHICV TIV has increased by 5% in Q4 FY25 (and down 5% in FY25) and retail CVs are down 5% in Q4FY25 (and down 5% FY25). Tractors had a good Q4 with market sales up 15% YOY (and up 5.7% YTD) as did cars with market sales up 6.6% in Q4 (and up 3.7% YTD).

Our Q4FY25 disbursements grew 11% YOY while FY25 disbursements grew 9% over FY24 and assets under management grew 17% over FY24, with market share being extended or retained in nearly all asset classes.

Disbursements for Q4FY25 were up 11% over same period last year while FY25 recorded a growth of 9% to ₹28,405 crores as compared to ₹26,163 crores registered in the previous year.

The assets under management stood at ₹51,476 crores as on 31st March 2025 as against ₹43,987 crores as on 31st March 2024, registering a 17% increase year-on-year.

Net interest income grew 22% to ₹2,793 crores in FY25 from ₹2,284 crores in FY24.

HIGHLIGHTS – ASSET QUALITY CONTINUES TO REMAIN INDUSTRY BEST

Our asset quality continued to remain best-in-class with continuing improvement in collections & recovery activity despite significant asset quality concerns system-wide, particularly in the microfinance and unsecured personal lending segments. Our deep customer relationships, exemplary credit underwriting standards and diligent collections efforts are the main drivers for our best-in-class asset quality performance.

Current collections, measured as collections of current demand, for FY 25 is at 92%.

Gross stage 3 assets as on 31st March 2025 stood at 1.44% with provision cover of 49% when compared to 1.26% with 50% provision cover as of 31st March 2024.

Net stage 3 assets as on 31st March 2025 closed at 0.75% as against 0.63% as on 31st March 2024.

The Gross and Net NPA, as per RBI’s asset classification norms, are 2.17% and 1.38% respectively as against 1.98% and 1.25% as of 31st March 2024.

HIGHLIGHTS – PROFITABILITY IMPROVED CONSISTENTLY

Profits from operations grew 29% in FY25 compared to last year due to growth of AUM, meaningful improvements in yields, meticulous management of our cost of borrowing consistent with our “AAA” rating and tight control on operating costs. We are ensuring prudent focus on asset class mix as well as customer segment mix to optimize our margin.

Profit from operations increased by 29% in FY25 as compared to FY24.

Cost to income ratio improved to 30.80% in FY25 as against 34.68% in FY24.

Profit after tax registered a 6% rise in FY25 with net profit at ₹ 1,543 crores. After excluding exceptional item in FY24, profit after tax rose 16% in FY25.

Return on assets (ROA) for FY25 was at 2.85% as against 3.18% for FY24

Return on equity (ROE) was at 16.3% for FY25 as against 17.5% for FY24.

If we exclude investments in subsidiaries and group companies, core ROE was at 19.0% for FY25 as against 16.5% for FY24.

PROFIT & LOSS STATEMENT

Particulars

Revenue From Operations*

Dividend Income

Other Income

Total Revenue

Finance cost

Operating expenses

Impairment

Total Expenses

Profit Before Exceptional Item and Tax

Exceptional Item

Profit After Tax

*Revenue from operations is net of depreciation on operating lease.

Q4FY24

Q4FY25

Q3FY25

FY24

FY25

1,379

1,643

1,616

5,041

6,231

165

(1)

125

1,543

1,809

1,632

724

215

138

851

232

(1)

835

239

1,077

1,082

1,165

466

134

506

727

546

467

349

346

5,401

2,576

854

274

3,704

1,697

134

1,454

168

6,475

3,254

917

242

4,413

2,062

1,543

₹ in Crore

BALANCE SHEET

Particulars

Equity and Liabilities

Financial Liabilities

Non-Financial Liabilities

Equity

Total – Equity and Liabilities

Assets

Financial Assets

Non-Financial Assets

Total – Assets

31-Mar-24

31-Mar-25

41,431

47,958

9,472

50,988

49,942

1,046

50,988

118

11,139

59,215

58,287

928

59,215

₹ in Crore

03 Key trends in financial performance

FINANCIAL SUMMARY

Year

Paid-up Capital

Networth

Disbursements

Receivables Under Management

Mar-14

Mar-15

Mar-16

Mar-17

Mar-18

Mar-19

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24 Mar-25

111

111 111

2,405

2,978

3,313

3,746

4,134

5,044

5,547

6,179

6,893

7,737

9,472 11,139

9,719

10,012

11,444

13,218

15,712

17,170

15,175

11,742

13,275

20,966

26,163 28,405

*Adjusted for demerger ₹460.57 Cr, # Includes special dividend of 50%. @ Excludes exceptional item Market Capitalisation is on the last day of respective period end

18,158

18,734

20,699

24,036

28,648

33,447

35,088

35,736

33,774

39,950

51,385 60,290

PAT

443

454

477

*495

563

@604

724

809

903

1,088 @1,334 1,543

₹ in Crore

Dividend %

Market Capitalisation

100

105

110

115

120

#175

130

180

200

270

300 350

7,359

16,859

14,450

17,940

18,634

17,318

13,366

28,560

21,560

25,548

45,983 50,824

DISBURSEMENTS AND AUM

Disbursements

20,966

11,742

13,275

26,163

6209

6524

6941

6489

28,405

6873

7764

6860

6908

₹ in Crore

51,476

AUM

34,552

43,987

30,882

29,532

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Growth

-22.6%

13.1%

57.9%

24.8%

8.6%

Growth

3.2%

-4.4%

17.0%

27.3%

17.0%

DISBURSEMENTS

Asset wise

Mar-24

2.4%

8.8%

7.4%

25.8%

11.2%

₹ 26,163 Cr.

20.9%

23.5%

Mar-25

3.1%

11.1%

24.4%

6.9%

11.2%

₹ 28,405 Cr.

MHCV

Retail CV

Cars

Construction Equipment

19.6%

Tractors

23.7%

Commercial Lending

Used Assets – 22.8%

Used Assets – 23.0%

4.5%

13.1%

4.3%

12.9%

Region wise

28.5%

₹ 26,163 Cr.

53.9%

₹ 28,405 Cr.

54.6%

28.2%

ICV, LCV and SCV as Retail CV

Others

South

North

West

East

AUM

Asset wise

21.3%

24.0%

Used Assets – 18.3%

4.3%

14.0%

Region wise

27.7%

₹ 43,987 Cr.

54.0%

ICV, LCV and SCV as Retail CV

Mar-24

5.0%

7.2%

7.5%

24.4%

Mar-25

5.6%

7.0%

7.1%

24.6%

MHCV

Retail CV

Cars

10.6%

₹ 43,987 Cr.

10.8%

₹ 51,476 Cr.

Construction Equipment

20.5%

24.4%

Used Assets – 18.5%

4.3%

13.1%

₹ 51,476 Cr.

54.2%

28.4%

Tractors

Commercial Lending

Others

South

North

West

East

BRANCH NETWORK

Mar-24

220

Mar-25

356

358

217

No. of Branches: 710

No. of Staffs: 7,459

No. of Branches: 710

No. of Staffs: 7,293

South

North

West

East

Commercial Lending

PORTFOLIO QUALITY

Gross Stage 3%

Net Stage 3%

2.19%

1.84%

1.66%

1.44%

1.26%

1.01%

1.07%

0.86%

0.63%

0.75%

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

FUNDING MIX

₹ 29,251 Cr.

₹ 28,297 Cr.

₹ 32,915 Cr.

₹ 40,941 Cr.

₹ 47,362 Cr.

2.5%

14.3%

11.3%

19.9%

15.1%

11.0%

19.9%

52.0%

54.0%

6.8%

14.8%

11.4%

25.9%

41.1%

Mar-21

Mar-22

Mar-23

4.7%

14.2%

11.5%

35.8%

33.8%

Mar-24

9.6%

13.5%

13.6%

33.1%

30.2%

Mar-25

Debentures

Bank Borrowings*

Securitisation

Deposits

Commercial Paper

* Includes a) Term loans b) Commercial Papers and demand loans availed against the sanctioned limits.

PAT & ROA

Profit after Tax

Return on Assets - %

₹ in Crore

1,088

903

809

671

1,454 120

386

300

367

281

1,543

546

349

340

308

3.2

2.8

2.9

2.5

2.3

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

EPS (₹)

72.8

81.3

98.0

130.9

138.9

Exceptional Item

NET WORTH

Net worth

11,139

9,472

6,179

6,893

7,737

Book Value (₹)

Mar-21

556.2

Mar-22

620.4

Mar-23

696.4

Mar-24

852.5

Mar-25

1,002.6

₹ in Crore

LEVERAGE AND CAPITAL ADEQUACY

Leverage

Capital adequacy

4.6

4.2

4.0

4.3

24.4%

22.1%

22.8%

20.5%

20.4%

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

04 Consolidated results

CONSOLIDATED RESULTS

Profit after Tax

Net Worth

1,165

1,173

1,328

1,879

553

455

436

435

1,436

268

427

366

375

11,078

9,920

8,795

7,730

₹ in Crore

13,197

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

EPS (₹)

105.7

106.5

120.5

130.3

170.6

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Book Value(₹)

701.6

798.2

900.2

1005.3

1197.4

CONSOLIDATED RESULTS

Particulars

Share of Net Worth

₹ in Crore

Share in Profit

Sundaram Finance Ltd. 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 -

(579)

1,436

FY25 1,543

245

- 154 - 3 2 -

(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.

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 28.27 2,097 207.11 1.0% 0.5% 18.7% 168 1,862 65,261

1,692 52.5% 47.5% 16,331 59.2% 40.8% 62.6 24.71 2,053 202.72 1.3% 0.7% 19.3% 152 1,795 64,754

1,469 52.1% 47.9% 13,812 61.0% 39.0% 56.8 22.44 1,880 185.70 1.2% 0.5% 20.3% 138 1,548 61,568

FY25

6,517 51.5% 48.5% 17,428 58.4% 41.6% 244.7 24.16 2,097 207.11 1.0% 0.5% 18.7% 168 1,862 65,261

FY24

5,029 50.9% 49.1% 13,812 61.0% 39.0% 235.8 23.29 1,880 185.70 1.2% 0.5% 20.3% 138 1,548 61,568

ROYAL SUNDARAM

Particulars

Q4FY25

Q3FY25

Q4FY24

Gross Written Premium (₹ in Crore)

AUM (₹ in Crore)

PAT (₹ in Crore)

Other Comprehensive Income (Net of Taxes)

Total Comprehensive Income

Net worth (₹ in Crore)

Combined Operating Ratio

Branches

Staffs

Customers

1,099

9,241

(1)

1,863

112%

145

2,230

912

9,178

(6)

1,821

115%

151

2,281

1,033

8,673

(8)

1,642

118%

161

2,708

FY25

4,065

9,241

133

146

280

1,863

113%

145

2,230

FY24

3,825

8,673

169

230

1,642

115%

161

2,708

30,83,101

31,70,093

30,33,437

30,83,101

30,33,437

SUNDARAM ASSET MANAGEMENT

Particulars

AUM (₹ in Crores)

Equity (₹ in Crores)

Debt (₹ in Crores)

PAT (₹ in Crores)

Net worth (₹ in Crores)

Staffs

Retail Investors

Branches

Q4FY25

Q3FY25

Q4FY24

FY25

FY24

71,826

76,038

70,883

71,826

70,883

58,660

62,625

61,241

58,660

61,241

13,166

13,413

9,642

13,166

9,642

522

592

546

581

431

555

154

522

592

112

431

555

13,42,476

13,33,575

13,10,101

13,42,476

13,10,101

05 More about Sundaram Finance

SHAREHOLDING PATTERN

31-Mar-24

31-Mar-25

Top institutional shareholders As of 31st March 2025

Name of Shareholder

Share %

32.8%

2.9%

37.9%

32.7%

2.4%

16.9%

9.5%

5.1%

22.6%

Promoters

Mutual Funds & AIFs

FIIs/FPIs and NRIs

Banks, Financial Institutions & Insurance Companies

Public

Nalanda India Equity Fund Limited

Bright Star Investments Private Limited

37.2%

SBI Mutual Fund

Axis Mutual Fund

United India Insurance Company Limited

Damani Estate and Finance Private Limited

HDFC Life Insurance Company Limited

Vanguard Total International Stock Index Fund

Series of Vanguard International Equity Index

Nippon Life India Trustee Limited

3.62

2.37

1.36

1.25

1.09

0.93

0.89

0.86

0.77

0.69

CREDIT RATINGS

Instrument

Deposits

Debentures

ICRA

CRISIL

AAA (Stable)

Subordinated Debentures

AAA (Stable)

Long Term Loans

AAA (Stable)

Working Capital Facilities

AAA (Stable)

Commercial Paper

Short Term Loans

A1+

SHARE PRICE MOVEMENT

Indexed share price and Nifty from March 2020

0 2 - r a M

0 2 - n u J

0 2 - p e S

0 2 - c e D

1 2 - r a M

1 2 - n u J

1 2 - p e S

1 2 - c e D

2 2 - r a M

2 2 - n u J

2 2 - p e S

2 2 - c e D

3 2 - r a M

3 2 - n u J

3 2 - p e S

3 2 - c e D

4 2 - r a M

4 2 - n u J

4 2 - p e S

4 2 - c e D

5 2 - r a M

SFL Closing Share Price

S & P CNX Nifty

380.25

273.54

SUBSIDIARIES & JOINT VENTURES

Subsidiaries

• Sundaram Home Finance Limited

• Sundaram Asset Management Company Limited

• Sundaram Asset Management Singapore Pte. Limited

• Sundaram Trustee Company Limited

• Sundaram Alternate Assets Limited

• Sundaram Fund Services Limited

•

LGF Services Limited

Joint Venture • Royal Sundaram General Insurance Co. Limited

BOARD OF DIRECTORS

Sri S. Viji Chairman

Sri T. T. Srinivasaraghavan Non-executive Director

Sri Srivats Ram Non-executive Director

Has over 5 decades of experience in Banking, Finance, Insurance and Automotive Component Manufacturing Industry. He is the Executive Vice Chairman of Brakes India Private Limited.

B.Com. ACA MBA (University of Michigan, USA)

Has over 4 decades of experience in Banking and Financial Services. He served as the Managing Director of the company for a period of 18 years.

Has nearly 3 decades of rich experience in auto component manufacturing industry. He is the Managing Director of Wheels India Limited.

B.Com. MBA (Gannon University, Pennsylvania)

BA (Economics) MBA (Case Western Reserve University, USA)

Sri Raghuttama Rao Raghavendra Independent Director

Sri L. Ganesh Independent Director

Has over 3 decades of work experience spanning Manufacturing, Financial Markets, Public Policy and Management Consulting. Currently CEO of GDC at IIT Madras. Formerly, MD of IMaCS and Joint Managing Director of ICRA.

Has over 4 decades of Industrial experience and overall management of the companies. He is the Chairman of Rane Holdings Limited, one of the acknowledged leaders in the auto component industry since 2006.

B.Tech. (Mech. Engg.) – IIT Madras CMA – ICWAI P.G.D.M. – IIM Ahmedabad

MBA (Pennsylvania State University, USA) ACA

Ms Bhavani Balasubramanian Independent Director

Has over 4 decades of audit experience including overseas experience. Formerly a partner of Fraser & Ross and Deloitte Haskins & Sells, with extensive experience in auditing a variety of clients, including listed companies and multinationals in different industries in India and abroad.

FCA ACS

BOARD OF DIRECTORS

Dr. Kshama Fernandes Independent Director

Sri R. Venkatraman Independent Director

Ms Anuradha Rao Independent Director

Has nearly 3 decades of experience spanning across management, risk advisory and academia. She is the Non- executive Vice Chairperson of the Northern Arc Group and Executive Chairperson of Northern Arc Investment Managers.

PhD Finance

Has close to 4 decades of experience in consulting and advisory services across various industries. He was the head of KPMG India’s consulting practice, and the co-head of their risk advisory services. He was also a partner at AT Kearney and Andersen Business Consulting. He is also a visiting professor at Indian Institute of Management, Trichy.

BE (Mechanical) - Birla Institute of Technology, MBA /PGDM - IIM Bangalore

Has nearly 4 decades of experience in Banking and Finance. Formerly served as Deputy Managing Director of State Bank of India. She also served as the Managing Director and Chief Executive Officer of SBI Funds Management Private Limited.

B.Sc. (Osmania University) M.Sc. (Physics) – University of Hyderabad CAIIB

Sri Harsha Viji Executive Vice Chairman

Sri Rajiv C. Lochan Managing Director

Sri A. N. Raju Deputy Managing Director

Has more than 2 decades of experience in areas of specialisation particularly, strategy formulation, joint venture negotiations, new business development. Formerly with McKinsey & Company and PriceWaterhouse.

Has nearly 3 decades of experience field of management especially in the areas of finance, social sector, and public health. Formerly MD & CEO of The Hindu Group and Partner at McKinsey & Company.

the

B.Com. ACA MBA (Ann Arbor, Michigan)

B.Tech. (IIT, Madras) MS (MIT) MBA (Columbia Business School)

Has nearly 4 decades of experience in the Automobile, Engineering, Finance and General Management. Formerly with GE Capital & SRF Group.

BSc (Engineering) MBA

KEY MANAGERIAL PERSONNEL

Sri M. Ramaswamy Chief Financial Officer

Sri P. N. Srikant Chief Compliance Officer & Company Secretary

He has nearly 4 decades of experience in the Company. He is the Chief Financial Officer of the Company from September 2011. He is responsible for the Treasury Management, Financial Planning & Accounting, Taxation and Regulatory Compliance. He is a member of the Risk Management Committee and Asset Liability Management Committee of the Company.

He has nearly 3 decades of experience in the Company/Group. He is the Chief for statutory Compliance Officer & Company Secretary and responsible compliance in respect of all laws and regulations applicable to the Company, including Company Law, SEBI and RBI. He liaises with the Board Members in connection with all Board related actions in the Company.

B.Sc. (Statistics) ACA

B.Com (H) ACS PGDFM

This document is for information purposes only and is not and does not form part of an invitation/ offer/advertisement/advise to purchase or sell any securities of the Company.

The materials and information contained in the document are prepared by the Company and are correct and accurate, to the best of our knowledge. No information contained herein has been independently verified by anyone else or approved by any regulatory authorities. No warranty is given as to their accuracy and the company does not accept any responsibility and shall not be liable for any direct or indirect loss caused, arising from and/or use of this document.

Forward-looking statements, if any, are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant statement.

The contents of the website are subject to changes and reviews from time to time without notice. By accessing the site, you are deemed to accept the disclaimer clause.

Sri M. Ramaswamy Chief Financial Officer Sundaram Finance Limited 21, Patullos Road Chennai – 600002

Sri P. N. Srikant Chief Compliance Officer & Company Secretary Sundaram Finance Limited 21, Patullos Road Chennai – 600002

044 – 28881341 m.ramaswamy@sundaramfinance.in

044 – 28881207 pnsrik@sundaramfinance.in

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