SUNDARMFINNSE4 August 2025

Sundaram Finance Limited has informed the Exchange regarding 'Investor Presentation'.

Sundaram Finance Limited

PERFORMANCE HIGHLIGHTS

Q1FY26

CONTENTS

01

02

03

04

05

Overview of Sundaram Finance

Financial results & performance

Key trends in financial performance

Consolidated results

More about Sundaram Finance

2

01 Overview of Sundaram Finance

3

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

P

G

Q

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

4

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

5

THE SF GROUP

AUM

Branches

53,278

9,633

18,028

80,501

716

140

169

85

Staff *

7,400

2,186

1,856

599

Customer count

6,15,731

31,62,433

67,561

13,99,270

Joint Venture with Ageas Insurance International NV

100% subsidiary

100% subsidiary

Group

1,61,440

1,110

12,041

52,44,995

* Includes off roll employees

6

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 over Rs. 1,60,000 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

7

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

8

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

9

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

10

SUNDARAM FINANCE – PERFORMANCE OVER LAST TWENTY YEARS

Dividend

₹ in Crore

388.9

333.3

300.0

194.4

200.0

222.2

111.1

116.7

100.0

122.2

127.8

133.3

144.4

37.5

29.2

41.7

36.1

77.8

86.1

55.6

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

Dividend% 135%

105%

150%

65%

100%

140%

155%

90%

100%

105%

110%

115%

120%

175%

130%

180%

200%

270%

300%

350%

Capital

27.78

27.78

27.78

55.55

55.55

55.55

55.55

111.10

111.10

111.10

111.10

111.10

111.10

111.10

111.10

111.10

111.10

111.10

111.10

111.10

11

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

12

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

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

13.8

14.9

17.5

16.3

* Core ROE (excluding investments in subsidiaries)

13

02 Financial results & performance

14

OVERALL HIGHLIGHTS OF FINANCIAL PERFORMANCE

As of 30th June 2025

AUM

Gross Stage 3

Cost-to-income

₹53,278 Crores

1.91%

29.84%

ROA

2.91%

ROE

16.7%*

16.7% up from Jun 24

1.56% in Jun 24

32.90% in Q1FY25

2.38% in Q1FY25

13.6% in Q1FY25

*Core ROE (excluding investments in subsidiaries) at 15.3% vs. 17.0%

15

15

HIGHLIGHTS – GROWTH OF 17% IN ASSETS UNDER MANAGEMENT

Industry sales in segments and geographies we operate were sluggish with low single digit growth in some segments and a decline over last year in others in Q1FY26 as compared to Q1FY25. MHICV TIV decreased by 3% in Q1FY26 while retail CVs were up by 4% in Q1FY26. Tractors had a good Q1 with market sales up by 11% YOY as did cars with market sales up by 4%.

The assets under management stood at ₹53,278 crores as on 30th June 2025 as against ₹45,671 crores as on 30th June 2024, registering a 17% increase year-on-year.

Disbursements for Q1FY26 recorded a growth of 6% to ₹7,310 crores as compared to ₹6,908 crores registered in Q1FY25.

Net interest income grew 25% to ₹781 crores in Q1FY26 from ₹623 crores in Q1FY25.

16

HIGHLIGHTS – ASSET QUALITY CONTINUES TO REMAIN INDUSTRY BEST

Asset quality pressures have also spiked within the broader financial system. Q1FY26 also witnessed payment pressures created by fiscally weak state governments and large contractors and debtors delaying repayments significantly. This has caused cash flow stress for MSMEs in particular. Q1FY26 witnessed virtually all financial institutions across the system reporting a deterioration in the asset quality of their portfolios.

Current collections, measured as collections of current demand, for Q1FY26 is at 91%.

Gross stage 3 assets as on 30th June 2025 stood at 1.91% with provision cover of 44% when compared to 1.56% with 47% provision cover as of 30th June 2024.

Net stage 3 assets as on 30th June 2025 closed at 1.08% as against 0.84% as on 30th June 2024.

The Gross and Net NPA, as per RBI’s asset classification norms, are 2.66% and 1.71% respectively as against 2.21% and 1.41% as of 30th June 2024.

17

HIGHLIGHTS – PROFITABILITY IMPROVED CONSISTENTLY

Profits after tax grew 39% in Q1FY26 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, tight control on operating costs and higher dividend income. We are ensuring prudent focus on asset class mix as well as customer segment mix to optimize our margin.

Profit from operations increased by 14% in Q1FY26 as compared to Q1FY25.

Cost to income ratio improved to 29.84% in Q1FY26 as against 32.90% in Q1FY25.

Dividend income in Q1FY26 was ₹124 crores as against ₹18 crores in Q1FY25.

Profit after tax registered a 39% rise in Q1FY26 with net profit at ₹429 crores as against ₹308 crores in Q1FY25.

Return on assets (ROA) for Q1FY26 was at 2.91% as against 2.38% for Q1FY25.

Return on equity (ROE) was at 16.7% for Q1FY26 as against 13.6% for Q1FY25.

If we exclude investments in subsidiaries and group companies, core ROE was at 15.3% for Q1FY26 as against 17.0% for Q1FY25.

18

PROFIT & LOSS STATEMENT

FY25

Particulars

Q1FY25

Q1FY26

Q4FY25

₹ in Crore

6,231

168

76

6,475

3,254

917

242

4,413

2,062

1,543

Revenue From Operations*

1,425

1,729

1,643

Dividend Income

Other Income

Total Revenue

Finance cost

Operating expenses

Impairment

Total Expenses

Profit Before Tax

Profit After Tax

18

8

124

3

125

41

1,451

1,856

1,809

757

219

73

894

245

157

851

232

(1)

1,049

1,296

1,082

402

308

560

429

727

546

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

19

BALANCE SHEET

31-Mar-25

Particulars

30-Jun-24

30-Jun-25

₹ in Crore

Equity and Liabilities

47,958

Financial Liabilities

118

Non-Financial Liabilities

11,139

59,215

58,287

928

59,215

Equity

Total – Equity and Liabilities

Assets

Financial Assets

Non-Financial Assets

Total – Assets

44,174

141

10,015

54,330

53,295

1,035

54,330

49,410

335

12,413

62,158

61,257

901

62,158

20

03 Key trends in financial performance

21

FINANCIAL SUMMARY

Year

Paid-up Capital

Networth

Disbursements

Receivables Under Management

Mar-15

Mar-16

Mar-17

Mar-18

Mar-19

Mar-20

Mar-21

Mar-22

Mar-23

Mar-24 Mar-25

Jun-24 Jun-25

111

111

111

111

111

111

111

111

111

111 111

111 111

2,978

3,313

3,746

4,134

5,044

5,547

6,179

6,893

7,737

9,472 11,139

10,015 12,413

10,012

11,444

13,218

15,712

17,170

15,175

11,742

13,275

20,966

26,163 28,405

6,908 7,310

* 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

18,734

20,699

24,036

28,648

33,447

35,088

35,736

33,774

39,950

51,385 60,290

53,535 62,366

PAT

454

477

*495

563

@604

724

809

903

1,088

@1,334 1,543

308 429

₹ in Crore

Dividend %

Market Capitalisation

105

110

115

120

#175

130

180

200

270

300 350

- -

16,859

14,450

17,940

18,634

17,318

13,366

28,560

21,560

25,548

45,983 50,824

52,129 57,480

22

DISBURSEMENTS AND AUM

Disbursements

28,405

26,163

20,966

13,275

11,742

6,908

7,310

₹ in Crore

AUM

51,476

53,278

43,987

45,671

34,552

30,882

29,532

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Jun-24

Jun-25

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Jun-24

Jun-25

Growth -22.6%

13.1%

57.9%

24.8%

8.6%

6.5%

5.8%

Growth 3.2%

-4.4%

17.0%

27.3%

17.0%

22.6%

16.7%

23

DISBURSEMENTS

Asset wise

Jun-24

3.4%

9.6%

7.2%

24.2%

11.3%

₹ 6,908 Cr.

22.6%

21.7%

Jun-25

3.3%

8.0%

7.2%

25.1%

11.0%

₹ 7,310 Cr.

21.8%

23.6%

Used Assets – 23.2%

Used Assets – 22.7%

4.3%

13.5%

4.8%

11.3%

Region wise

29.5%

₹ 6,908 Cr.

52.7%

₹ 7,310 Cr.

26.5%

57.4%

ICV, LCV and SCV as Retail CV

MHCV

Retail CV

Cars

Construction Equipment

Tractors

Commercial Lending

Others

South

North

West

East

24

AUM

Jun-24

5.0%

6.6%

7.3%

24.6%

Jun-25

5.1%

7.4%

6.9%

24.7%

MHCV

Retail CV

Cars

10.7%

₹ 45,671 Cr.

10.8%

₹ 53,278 Cr.

Construction Equipment

Asset wise

21.8%

24.0%

20.7%

24.4%

Tractors

Commercial Lending

Used Assets – 18.6%

Used Assets – 18.4%

4.4%

13.4%

4.3%

12.9%

Region wise

28.0%

₹ 45,671 Cr.

54.2%

₹ 53,278 Cr.

54.8%

28.0%

ICV, LCV and SCV as Retail CV

Others

South

North

West

East

25

BRANCH NETWORK

Jun-24

13

42

81

220

Jun-25

42

14

81

357

357

222

No. of Branches: 713

No. of Staff: 7,381

No. of Branches: 716

No. of Staff: 7,400

South

North

West

East

Commercial Lending

26

PORTFOLIO QUALITY

Gross Stage 3%

Net Stage 3%

2.19%

1.84%

1.66%

1.44%

1.56%

1.26%

1.91%

1.01%

1.07%

0.86%

0.63%

0.75%

0.84%

1.08%

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Jun-24

Jun-25

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Jun-24

Jun-25

27

FUNDING MIX

₹ 29,251 Cr.

₹ 28,297 Cr.

₹ 32,915 Cr.

₹ 40,941 Cr.

₹ 47,362 Cr.

₹ 43,707 Cr.

₹ 48,809 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%

4.7%

14.2%

11.5%

35.8%

9.6%

13.5%

13.6%

33.1%

5.9%

13.7%

12.1%

36.1%

10.1%

13.3%

11.6%

30.7%

33.8%

30.2%

32.2%

34.3%

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Jun-24

Jun-25

Debentures

Bank Borrowings*

Securitisation

Deposits

Commercial Paper

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

28

PAT & ROA

Profit after Tax

Return on Assets - %

₹ in Crore

1,543

1,454 120

1,088

903

809

671

429

308

3.2

2.8

2.9

2.9

2.5

2.3

2.4

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Jun-24

Jun-25

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Jun-24

Jun-25

EPS (₹)

72.8

81.3

98.0

130.9

138.9

27.7

38.6

29

NET WORTH

Net worth

12,413

11,139

10,015

9,472

6,893

6,179

7,737

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Jun-24

Jun-25

Book Value (₹)

556.2

620.4

696.4

852.5

1,002.6

901.4

1,117.3

₹ in Crore

30

LEVERAGE AND CAPITAL ADEQUACY

Leverage

Capital adequacy

4.6

4.2

4.0

4.3

4.3

4.4

24.4%

22.8%

22.1%

3.9

20.5%

20.4%

19.3%

20.0%

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Jun-24

Jun-25

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Jun-24

Jun-25

31

04 Consolidated results

32

CONSOLIDATED RESULTS

Profit after Tax

1,879

1,436

1,328

1,165

1,173

435

475

₹ in Crore

Net Worth

14,563

13,197

11,758

11,078

9,920

8,795

7,730

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Jun-24

Jun-25

Mar-21

Mar-22

Mar-23

Mar-24

Mar-25

Jun-24

Jun-25

EPS (₹)

105.7

106.5

120.5

130.3

170.6

39.5

43.1

Book Value(₹)

701.6

798.2

900.2

1005.3

1197.4

1067.0

1321.3

33

CONSOLIDATED RESULTS

Particulars

Share of Net Worth

Share in Profit

₹ in Crore

Sundaram Finance Ltd.

Subsidiaries:

Sundaram Home Finance Ltd. Sundaram Asset Management Company Ltd. (Consolidated) Other Subsidiaries

Joint Control Entity: Royal Sundaram General Insurance Co. Ltd.

Adjustment arising out of Consolidation

Total

30-Jun-24 10,015

30-Jun-25 12,413

Q1FY25 308

Q1FY26 429

1,946 465 30

859

(1,557)

11,758

2,126 490 95

1,005

(1,566)

14,563

66 29 1

33

(2)

435

62 45 0

63

(124)

475

34

SUNDARAM HOME FINANCE

FY25

Particulars

Q1FY26

Q4FY25

Q1FY25

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

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

1,488 48.8%

51.2%

18,028

57.9%

42.1%

62.3

24.62

2,126

209.94 1.6%

1.0%

18.1%

169

1,856

67,561

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

1,353

54.1%

45.9%

14,533

60.5%

39.5%

66.4

26.22

1,946

192.23

1.4%

0.7%

19.7%

143

1,587

62,476

35

ROYAL SUNDARAM

FY25

4,065

9,241

133

146

279

1,863

113%

145

Particulars

Q1FY26

Q4FY25

Q1FY25

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

1,289

9,633

127

20

147

2,010

110%

140

2,186

1,099

9,241

(1)

70

69

1,863

112%

145

2,230

1,114

9,030

65

12

77

1,719

114%

158

2,551

2,230

Staffs

30,83,101

Customers

31,62,433

30,83,101

31,06,665

36

SUNDARAM ASSET MANAGEMENT

FY25

Particulars

Q1FY26

Q4FY25

Q1FY25

71,826

AUM (₹ in Crores)

80,501

71,826

80,565

58,660

Equity (₹ in Crores)

65,308

58,660

68,722

13,166

Debt (₹ in Crores)

15,193

13,166

11,843

154

522

592

PAT (₹ in Crores)

Net worth (₹ in Crores)

Staffs

45

490

599

46

522

592

29

465

563

13,42,476

Retail Investors

13,99,270

13,42,476

13,11,394

85

Branches

85

85

85

37

05 More about Sundaram Finance

38

SHAREHOLDING PATTERN

30-Jun-24

30-Jun-25

Top institutional shareholders As of 30th June 2025

Name of Shareholder

Share %

32.4%

2.4%

37.9%

32.6%

2.4%

20.8%

6.5%

22.4%

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

Vanguard Total International Stock Index Fund

5.4%

HDFC Life Insurance Company Limited

Vanguard Emerging Markets Stock Index Fund

Nippon Life India Trustee Limited

Promoters

Mutual Funds & AIFs

FIIs/FPIs and NRIs

Banks, Financial Institutions & Insurance Companies

Public

3.62

2.37

1.36

1.21

1.09

0.93

0.89

0.86

0.80

0.70

39

CREDIT RATINGS

Instrument

Deposits

Debentures

ICRA

CRISIL

AAA (Stable)

AAA (Stable)

AAA (Stable)

AAA (Stable)

Subordinated Debentures

AAA (Stable)

AAA (Stable)

Long Term Loans

AAA (Stable)

AAA (Stable)

Working Capital Facilities

AAA (Stable)

Commercial Paper

Short Term Loans

A1+

A1+

A1+

40

SHARE PRICE MOVEMENT

Indexed share price and Nifty from June 2020

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

5 2 - n u J

SFL Closing Share Price

S & P CNX Nifty

356.30

247.69

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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

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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

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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.

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in

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

44

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

45

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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