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Created: 2025-07-16 14:17:33 UTC

Shriram Finance Ltd: India Ratings and Research (Ind-Ra) has affirmed/assigned credit ratings for various debt instruments. The Long-Term Issuer Rating is affirmed at IND AA+/Stable. 🏦

- 𝗞𝗲𝘆 𝗥𝗮𝘁𝗶𝗻𝗴 𝗔𝗰𝘁𝗶𝗼𝗻𝘀:
  ▪ Long-Term Issuer Rating: IND AA+/Stable (Affirmed).
  ▪ Non-convertible debentures: IND AA+/Stable (Affirmed/Assigned).
  ▪ Bank loans: IND AA+/Stable/IND A1+ (Affirmed).
  ▪ Subordinated debt: IND AA+/Stable (Affirmed).
  ▪ Short-term debt/commercial paper: IND A1+ (Affirmed).
  ▪ Fixed deposits: IND AA+/Stable (Affirmed).
  ▪ Principal protected market linked debentures: IND PP-MLD AA+/Stable (Affirmed).
  ▪ Derivative Instruments: IND AA+/Stable (Assigned).

- 𝗥𝗮𝘁𝗶𝗼𝗻𝗮𝗹𝗲: The ratings reflect SFL’s large franchise in the NBFC segment, with a significant presence in vehicle finance. The company has a diversified portfolio and ability to manage various business cycles while maintaining adequate profitability. SFL's funding is well diversified, and capital buffers are adequate.

- 𝗞𝗲𝘆 𝗦𝘁𝗿𝗲𝗻𝗴𝘁𝗵𝘀:
  ▪ Large and diversified portfolio.
  ▪ Adequately capitalized.
  ▪ Diversity in funding mix.
  ▪ Multiple levers to drive profitability.

- 𝗪𝗲𝗮𝗸𝗻𝗲𝘀𝘀𝗲𝘀: Asset class susceptible to volatility.

- 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹𝘀: SFL's AUM stood at INR2.6 trillion at FYE25. The company completed the sale of its stake in its housing subsidiary for ~INR46 billion.

- 𝗢𝘂𝘁𝗹𝗼𝗼𝗸: Stable.

📊 SHRIRAM FINANCE LTD | 🏷️ Credit Rating

🌐 Details:

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**Related Topics**
[longterm](/topic/longterm)
[debt](/topic/debt)
[india](/topic/india)
[finance](/topic/finance)

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