SHRIRAMFIN

What Shriram Finance promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q1 FY27

what the last two calls moved 27 tracked 7 delivered 5 missed 15 open
  • Gold Finance Share of AUM went quiet said Q3 FY26 Promised: Increase share of book by 2% from ~5% Q1 FY27: The original promise was not addressed. Instead, management issued a new, more specific target to double the gold portfolio's share from 2.5% to 5% over three years.
  • New Vehicle Disbursements Proportion at risk said Q4 FY26 Promised: Increase from 15-20% to 20-30% over the next two quarters (by Q2 FY27) Q1 FY27: New vehicle disbursement was reported at ~16% in Q1. The target of 20-30% by Q2 FY27 seems unlikely. Management's commentary shifted to a longer timeline of 'over the period'.
  • Net Interest Margin delivered said Q4 FY25 Promised: 8.5%-8.6% for FY26 Q4 FY26: Achieved. Q4 FY26 NIM was 8.61%, meeting the guided exit rate of 8.5%-8.6% for the year.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 27 tracked commitments for Shriram Finance — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens