In the fourth quarter of financial year 2026 (Q4FY26), Shriram Finance experienced a 21% year-on-year growth in net profit, reaching ₹10,000 crore. The asset under management (AUM) rose by 15%, while net interest income grew 21% to ₹6,750 crore. However, there was a slight decline in asset quality, with net slippages increasing to 1.8%. The company is optimistic about FY27, projecting loan growth between 15-18%, particularly in passenger vehicle loans, which are expected to rise by over 20%. A significant equity stake acquisition by MUFG Bank at ₹840.93 per share is set to enhance capital adequacy from 20% to 34%, supporting future growth. Shriram Finance plans to increase its workforce to 80,000 employees to bolster its gold loan expansion strategy. The company is also managing costs effectively, with a projected cost-to-income ratio of 26-27% and operating expenses expected to grow at 10-12% year-on-year. Despite some risks from geopolitical volatility and macroeconomic conditions, management remains confident in achieving steady growth and profitability.