Sundaram Finance Ltd(SUNDARMFIN)

NSE: SUNDARMFINBSE: 590071

₹ 3,907.05-1.78%refreshed 26 Oct, 03:53 pm ISTMarket cap: ₹ 43,409 crWebsite: www.sundaramfinance.inUpdated: 27 Oct 2026

About

Sundaram Finance is a Chennai-based NBFC focused on vehicle and equipment financing, with a standalone AUM of ₹59,908 Cr as of FY26 and a branch network of 763 offices across India. The group's total AUM including subsidiaries exceeded ₹1,61,440 Cr. Asset Financing contributed 92.5% of segment revenue in FY26, with Others making up the remaining 7.5%.^[1][2]

Business segments

Asset Financing: ₹9,071.07 Cr revenue in FY26, 92.5% of segment revenue, with its share up 3.9 percentage points over FY2020-FY2026.^[2]
Others: ₹740.28 Cr revenue in FY26, 7.5% of segment revenue, with its share down 3.9 percentage points over FY2020-FY2026.^[2]
In FY25, consolidated Asset Financing segment revenue was ₹7,818.83 Cr and Other Operations revenue was ₹666.80 Cr.^[3]

Loan book and asset mix

Standalone AUM reached ₹59,908 Cr in FY26, up 16.4% YoY from ₹51,476 Cr in FY25.^[1]
Commercial lending was ~24.4% of AUM as of Jun-25 vs 24.0% in Jun-24; used assets were 18.4% vs 18.6%; the South region was ~55% of AUM.^[4]

Branch network and distribution

The standalone branch network grew from 710 branches (Mar-25) to 763 branches (Mar-26); staff headcount rose from 7,293 to 7,653 over the same period.^[1]
Branch count went from 709 (Sep-24) to 728 (Sep-25), 748 (Dec-25) and 763 (Mar-26).^[5]

Key operating numbers

Disbursements grew 14% to ₹32,321 Cr in FY26 from ₹28,405 Cr in FY25; Q4FY26 disbursements were ₹8,051 Cr, up 17% YoY.^[1]
Gross Stage 3 was flat at 1.44% (Mar-26 vs Mar-25); Net Stage 3 fell to 0.69% from 0.75%; Gross NPA under RBI norms fell to 2.14% from 2.17%.^[1]
Provision cover rose to 53% in FY26 from 49% in Mar-25; asset quality pressure was elevated in H1FY26 and stabilised from Q3FY26.^[1]
Capital adequacy ratio was 19.1% in FY26, down from 20.4% in Mar-25; leverage was 4.2x as of Dec-25.^[1]
Cost-to-income ratio fell to 28.71% in FY26 from 30.80% in FY25; current collections were 91% of current demand in FY26.^[1]
ROA rose to 3.03% in FY26 from 2.85% in FY25; ROE was 15.5% in 9MFY26 vs 14.3% in 9MFY25.^[1]

Subsidiaries and associates

Sundaram Home Finance AUM was ₹19,230 Cr in Dec-25, up 18% YoY from ₹16,331 Cr; non-housing loans were 43% of its AUM as of Sep-25.^[6]
Sundaram Home Finance PAT rose to ₹212 Cr in 9MFY26 from ₹173 Cr in 9MFY25.^[6]
Royal Sundaram General Insurance (JV): combined operating ratio rose to 115.5% in FY26 from 113.3% in FY25; PAT fell to ₹107 Cr from ₹133 Cr.^[1]
Total group AUM including all subsidiaries exceeded ₹1,61,440 Cr as of Q1FY26.^[4]

Industry demand context

In Q3FY26, tractor industry sales rose 28% YoY; MHICV TIV was up 8%, LSCV up 17% and passenger cars up 12% YoY.^[6]
In Q1FY26, MHICV total industry volumes fell 3%; tractors were up 11% YoY and cars up 4% YoY.^[4]

Market Cap

₹43,409 Cr

High / Low

₹5,640 / 3,950

Stock P/E

19.8

Price / Book

3.0

Book Value

₹1,341

EPS

₹185.3

No. of Shares

11.11 Cr

ROE

14.7%

Debt / Equity

4.68

Sales

₹9,809 Cr

Net Profit

₹2,059 Cr

Promoter holding

37.2%

Loading chart…

Signal history

AI Deep Dive

The analysis Screener can't give you

Our models read the latest earnings call, annual report, and financials end-to-end - then grade management, value the business, and flag the risks. Unlock all of it for this company:

Verdict
The headline call - descriptive label, conviction, and the synthesis behind it.
Valuation
Guidance-anchored P&L bridge - worst / average / best multiple cases.
Walk the talk
Did management deliver on past guidance? A commitment-by-commitment scorecard.
Red flags
Forensic and governance risk pointers, severity-ranked.
Balance sheet
Solvency and earnings-quality score.
Concall briefs
Quarter-by-quarter earnings-call briefs - what changed and why.

₹49 unlocks this company for 90 days, ₹299 for a full year - bundles bring it lower. Built on public disclosures - educational, not investment advice.

AI Deep Dive

Verdict

Locked

The headline call - descriptive label, conviction, and the synthesis behind it.

Company data

Financials

Sundaram Finance Ltd(SUNDARMFIN)

About

Business segments

Loan book and asset mix

Branch network and distribution

Key operating numbers

Subsidiaries and associates

Industry demand context

Signal history

The analysis Screener can't give you

AI Deep Dive

Verdict

Company data

Product Segments

Corporate Actions