Shriram Fixed Investment Plan Online

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1) MINIMUM INSTALMENT OF DEPOSITS UNDER FIXED INVESTMENT PLAN (FIP)

(i) The instalment will be accepted in multiples of Rs. 500/- subject to a minimum amount of Rs. 1,000/-.

(ii) The tenure of deposits under FIP and No. of instalment, the amount payable periodically, cannot be changed after remittance of the 1st instalment is made under the Fixed Investment Plan.

2) PRE-DETERMINED DATE FOR INSTALMENT PAYMENT

First receipt date will be considered as the instalment date for subsequent instalments. If instalment date falls on bank holiday, NACH will be sent for presentation to the bank on the same day as per the NPCI guideline.

3) MODE OF ACCEPTANCE AND OPERATION

a) Deposit account under FIP can be opened by remitting the first instalment online and the subsequent month’s instalments will be directly transferred through NACH (debit clearing) system.

b) If any of the instrument is bounced for any reason by the paying banker, the Company (Shriram Finance Limited) will send the instalment payment link on the request of depositor not later than the last instalment due date using which the depositor can make the payment of missed instalment. The link will not be sent if the last instalment is bounced.

c) Payment for the last instalment or any instalment beyond the last due date shall not be accepted and if remitted by the investor by any mode, the same shall be refunded without interest.

d) Monthly statement of account giving details of the transactions will be sent to the registered Email ID of the First Applicant.

e) In case of death of the Primary depositor, the debit of future instalments through NACH will not be presented / payment link generation will not be made for further instalments after receipt of such information about the death. The claim in case of death will be settled in accordance with the pre-closure terms and conditions mentioned under point 14.

4) SCHEME AND TENURE

a) The Company accepts deposits under FIP for different tenure as mentioned at the application form. Tenure shall be for a minimum of 23 months (In case of 12 instalments including the 1st instalment) to maximum of 59 (in case of 48 instalments including the 1st instalment) months.

b) The maturity date shall be 12 months from the last due date of the last instalment for the instalments as selected by the depositor. For example, if the depositor chooses to invest for 15 months the maturity date shall be 26 months from the date of 1st investment.

5) INTEREST

a) Interest rate is fixed for the entire period of FIP. Interest will be computed on each instalment amount from the respective payment date or date of remittance whichever is later, until the end of calendar quarter. For the subsequent calendar quarter/s, the interest would be computed on the accumulated balance (principal and interest [net of TDS, if any]) as of the previous calendar quarter until the next calendar quarter or maturity date whichever is earlier. Interest [net of TDS, if any] will be credited to the depositor’s ledger on the last day of each calendar quarter.

b) Interest rate is linked with the number of the instalment that the depositor has chosen to invest and not on the tenure of the deposits under the FIP (If depositor has chosen 13 instalments for investment, then interest rate defined under 12 Instalments - 23 Instalments will be considered). Example: If the depositor chooses to invest Rs. 1,000/- per month with number of FIP instalments chosen as 12 against which 7.00% interest will be considered, the total tenure of this investment will be 23 months, leading to gross maturity value of Rs. 13,286/- without deduction of TDS, subject to remittance of instalments on the due date.

6) IDENTIFICATION OF DEPOSITORS:

To comply with “Know Your Customer” guidelines for NBFCs prescribed by the Reserve Bank of India, applicant(s) should provide a self-attested copy of ID proof and Address proof. Any one of the following KYC documents (which contains the photograph of the concerned depositor(s)) can be submitted for identification and proof of residential address.

KYC Documents for Individual / Power of Attorney Holders

a) Latest Photograph
b) Permanent Account Number (PAN) mandatory or Form no. 97 (if transaction amount is less than or equal to Rs. 50,000/- or aggregating to less than Rs. 5,00,000/- during a financial year)
c) ID & Address Proof (if CKYC number is available, then same is not required provided name and address is matching between CKYC portal and as per application form)

Officially Valid documents (OVD):

a) Passport
b) Driving License
c) Voter ID
d) Job card issued by NREGA duly signed by an officer of the State Government
e) Aadhaar Card
f) Letter issued by the National Population Register containing details of name and address.

If above submitted OVD does not have current address mentioned on application form then any of the below listed documents to be treated as deemed OVD for limited purpose of proof of address. If customer submits deemed OVD then within 3 months from the date of submitting below documents, customer needs to submit above OVD with current address.

Utility bill in the name of customer, which is not more than two months old of any service provider (electricity, Telephone, post – paid mobile phone, Piped gas, Water bill)
Property or Municipal Tax receipt
Pension or Family Pension Payment Orders(PPOs) issued to retired employees by Government departments or Public Sector undertakings, if they contain the address
Letter of allotment of accommodation from employer issued by State Government Departments, Statutory or Regulatory Bodies, Public Sector Undertakings, Scheduled Commercial Banks, Financial Institutions and Listed Companies, and Leave & License agreements with such employers allotting official accommodation.
Signed personalised cancelled cheque leaf. In case of minor – cheque leaf should be of minor.
Guardian’s PAN in case of Minor or Form no. 97 (if transaction amount is less than or equal to Rs. 50,000/- or aggregating to less than Rs. 5,00,000/- during a financial year)
Date of birth proof, if minor
Form 121 (if tax not to be deducted)
Email ID mandatory for E-Receipt
Application form duly filled and signed in case of other than deposits opened through digital mode. In case of minor, it should be signed by guardian.

The depositor shall inform the company within 30 days in case any update in the documents submitted earlier.

7) CENTRAL KYC REGISTRY

Reserve Bank of India has mandated financial institutions to share KYC information to a Central KYC registry (CKYCR) who shall allot a unique KYC number. Depositor(s) are requested to share the unique number upon receipt of the same.

8)JOINT DEPOSITS:

a) The Deposits may be made in the joint names of two/three persons under “First or Survivor/s (F or S/s)” or “Anyone or Survivor/s (A or S/s)”. All communications will be addressed to the first depositor. All interest payment and repayment of deposit under FIP will be made in the name of first depositor.
b) Joint Deposit can be made only by individuals.

9) NOMINATION

a) The depositor and/or the depositors, where deposits under FIP are made by more than one person jointly may, at any time, nominate a person to whom his/their deposits under FIP shall vest in the event of his or all the joint holders’ death. Notwithstanding anything contained in any other law for the time being in force or in any disposition, whether testamentary or otherwise in respect of such other deposit in the Company where a nomination made in the prescribed manner purports to confer on any person the right to vest in the deposit, the nominee shall, on the death of the depositor(s) become entitled to all the rights in the deposit in the Company to the exclusion of all other persons unless the nomination is varied or cancelled in the prescribed manner.
b) Nomination can be made only by individuals. A Power of attorney holder cannot nominate.
c) The nominee shall not be a trust, society, body of individuals, corporate, and partnership firm, Hindu Undivided Family or a Power of Attorney holder.
d) A minor can be a nominee represented by guardian.

10) INCOME-TAX PROVISIONS

a) TDS Deduction:

(i) As required under the Income Tax Act, 2025, tax at applicable rate will be deducted at source from the amount of interest paid and/or credited to a depositor if the gross interest exceeds the prescribed limit of Rs. 4,00,000/- (Rupees Four lakhs only) for non-senior citizens, Rs. 12,00,000/- (Rupees Twelve lakhs only) for senior citizens and super senior citizens, during the financial year under specific customer ID. For this purpose, new tax regime will be considered as a default regime. For exemption of TDS, first applicant, must submit to the company Tax declaration form (Form 121/Order U/s 395 – as the case may be). However, if aggregate amount of interest accrued during the year exceeds non-taxable limit as applicable from time to time, then any tax declaration form will not be valid and tax will be deductible.
(ii) TDS will be deducted at twice the rate inforce if depositor’s PAN becomes inoperative u/s. 397(2)(b) on failure to link PAN with Aadhaar as per rule 162 of the Income Tax Rules, 2026.
(iii) When interest amount is insufficient to recover TDS, the same will be recovered from the principal of the deposit.
(iv) It is the sole responsibility of the applicant to provide the Company with a fresh Form 121 for every tax year. Non-submission of relevant form or submission of incomplete/incorrect form may result in tax deduction and the Company will not be responsible for the same.

b) Furnishing PAN: If a depositor requires any exemption from tax deduction at source on interest payments a valid declaration in Form 121, or as may be prescribed under the Income Tax Act, 2025 needs to be submitted. Any person making a false statement in the declaration shall be liable to prosecution u/s. 482 of the Income Tax Act, 2025. The Company will in no way be responsible for such false declaration made by the depositor. PAN is mandatory where the deposit amount is more than Rs.50,000/- or aggregating all deposits {Fixed deposit (FD), Recurring deposit (RD) and Fixed Investment Plan (FIP)} is more than Rs. 5,00,000/- during the financial year or the interest is crossing prescribed limit.
c) Form 121: A new form 121 has to be submitted again when any additional FIP is made even though the Depositors may have already furnished the forms for the current financial year.
d) TDS Certificates: TDS Certificates in Form No. 131 will be downloaded by the Company from TIN Website and the same will be authenticated by means of digital signature (Circular under Section 239 of the Income Tax Act, 2025). TDS certificates will not be generated from TIN Website if PAN is not furnished. While filling up the address of the applicant in the FIP Application Form, please be informed that if the address as provided by you is the same address as the one updated with NSDL at the time of PAN application then the TDS certificate would be dispatched to that address. However, if both the addresses are different, then the TDS certificates would be printed with the address as updated with NSDL at the time of PAN application and would be sent by the company at the said address. If there is any change of address, please update your address with NSDL by filling up the form for amendments/changes in PAN data and please intimate said changes to the company also.

11) RENEWALS

a) The FIP may be converted to Fixed deposit on the terms as at the date of maturity if a specific request for such conversion is received from the investor, 7 working days prior to the date of maturity of the FIP. In the absence of such request to convert to a regular fixed deposit, the Maturity proceeds shall be refunded to the investor, by default, on maturity.
b) Conversion of maturity amount of deposit under FIP into Fixed Deposits will be for an amount net of TDS, if any.
c) If the depositor opts for conversion to Fixed Deposit on maturity of deposit under FIP then, on maturity of the said Fixed Deposit, the same shall be converted to Fixed deposit at the rates as may be applicable to acceptance of the fixed deposit as at the date of maturity,
- i) The Company will generate and send Fixed Deposit E-Receipt to the registered email id of the first applicant on conversion / renewal.
- ii) The interest will be credited to the bank account mentioned on the FIP application form if the scheme opted is other than Cumulative.
- iii) The Depositor has to submit the Tax declaration form (Form 121 as applicable) to the service centre within 15 days of fixed deposit issuance, failing which TDS will be deducted from the interest on all the investments (FD, RD and FIP) in the specific customer ID will be treated as Taxable and appropriate TDS amount will be deducted and remitted to Income Tax Department, GOI.
- iv) For investments in the name of the minor, where the Guardian PAN has been submitted during investment and if the Minor has become Major during contract period or during the conversion to Fixed Deposit process, then the Company shall deduct TDS as applicable to cases where PAN is not available unless PAN is submitted by the Minor becoming a Major.
d) Any change in the original instructions shall be informed to the Company prior to 15 days to the date of Maturity.
e) If the depositor has not chosen any option for renewal or refund, the amount as due on the date of maturity shall be refunded by the Company.

12) LOAN ON DEPOSITS UNDER FIP

Loan facility is not permitted against the deposits under FIP.

13) REPAYMENTS

a) The deposits under FIP will be credited to the bank account of the first applicant if the depositor/investor has not opted for conversion to ‘Fixed deposit’.
b) The details of maturity of the deposit under FIP, shall be communicated by the Company through the registered mail ID/SMS sent to the registered mobile number of the depositor, atleast two months before the date of maturity of the deposit.
c) Repayment of deposit will be made only by National Electronic Fund Transfer (NEFT) and the maturity amount paid will be net of TDS if any.

14) PREMATURE PAYMENT

The Company reserves the right to allow, at its absolute discretion, withdrawal of deposit under FIP before maturity subject to the following conditions.

a) Where a deposit under FIP is allowed to be prematurely withdrawn, a request from the registered mail id of the depositor or a request letter duly signed by all depositors.
b) Premature withdrawal of deposit is permitted for either one or more instalment under the FIP provided the respective instalment has completed more than 3 months from the date of payment by the depositor and wherever instalment has not completed 3 months, premature withdrawal will not be permitted.

Premature repayment:

Up to 3 months from the date of deposit/renewal (Lock-in-period)	No repayment (Not applicable in case of premature repayment in the event of death of the depositor**)
Up to 3 months from the date of deposit/renewal (Lock-in-period) – in case of request made for emergent situation ^^	In case of tiny deposits ***, The entire amount of deposit may be paid to the investor upon request, before the period of three months from the date of investment, without interest. In case of other deposits, not more than 50% of the principal sum of the deposit or Rs. 5 lacs whichever is lower may be prematurely paid to the investor upon request within a period of three months from the date of investment, without any interest. The remaining amount of deposit with interest at the contracted rate shall be governed by the provisions of the extant directions as applicable for public deposits In cases of critical illness^^^, hundred per cent of the amount of the principal sum of deposit, may be prematurely paid to individual depositors, at the request of the depositors, before the expiry of three months from the date of acceptance of such deposits, without interest.
After 3 months but before 6 months	No interest*
After 6 months but before the date of maturity	The Interest payable shall be 2 per cent lower than the Interest rate applicable to a deposit under FIP for the period for which the deposit has run or if no rate has been specified for that period, then 3 per cent lower than the minimum rate at which deposits are accepted by the Company*
**in the event of the death of a depositor, the Company shall repay the deposit under FIP prematurely, even within the lock-in-period, to the surviving depositor/s in the case of joint holding with survivor clause, or to the nominee/legal heir/s of the deceased depositor, on the request of the surviving depositor/s/nominee/legal heir, and only against submission of proof of death, and other necessary documents to the satisfaction of the Company. However no interest is payable on such repayments of deposits.
*The above rates are also applicable for premature repayments in the case of death of a depositor.
*** ‘Tiny deposit’ means the aggregate amount of public deposits not exceeding ₹10,000/- standing in the name of the sole or the first named depositor in the same capacity in all the branches of the company.
^^ For this purpose, expenses of an emergent nature include medical emergency or expenses due to natural calamities/ disaster as notified by the concerned Government/ authority.
^^^ ‘Critical illness’, shall be as defined by the IRDAI (Health Insurance) Regulations, 2016 and the guidelines issued thereunder, as amended from time to time.
Premature repayments will be made only in favour of the first depositor.

c) Tax wherever applicable and deducted at source and remitted to the applicable tax authority by the Company on behalf of the depositor, before premature withdrawal of Deposit(s), shall not be refunded – under any circumstance whatsoever.

GENERAL TERMS

15) The e - certificate of deposit under FIP will be issued subject to receipt of funds in Company’s account. In case of non-receipt of funds pertaining to first instalment of the deposit under FIP, the said deposit stands cancelled automatically.

16) The Company reserves the right to reject any application for deposit under FIP without assigning any reason thereof.

17) Deposit under FIP and its instalments will not be accepted from NRO/NRE Account. The Company will not collect any charges for the NACH dishonour. However, it may be noted that the depositor’s Bank may levy charges for each NACH dishonour. Similarly, the Company will not collect any charges for NACH registration and the depositor’s bank may levy NACH registration charges and the Company shall not be held liable for the same (NACH Dishonour charge / NACH registration charge) in any manner.

18) Depositor may cancel his/her NACH mandate anytime in between & stop the future instalment payments. However, once cancelled, such mandate will not be revived. In case depositor(s) wish to pay instalment under FIP after cancellation of the earlier application, the depositor(s) will have to submit fresh NACH Mandate or pay the due through payment link. No Presentation of NACH instalment debit will be pushed for cases whose mandate has been - cancelled /deactivated by customer/payment STOP by drawer / ECS is dishonoured - for three times consecutively due to financial reasons.

19) Where the deposits under FIP is discontinued by the depositor, then the amount invested shall be paid together with applicable interest (subject to TDS) on the date of maturity. If there is a delay in payment of the instalment amount, the interest will be computed from the date of actual receipt of money by the Company, till date of maturity. However, instalment will not be accepted beyond the last due date.

20) In the event of death of the first named depositor, all payments on account of principal and / or interest of the deposits under FIP will be made to the person first in the order of the survivor(s) unless otherwise instructed by the depositor during his/her life time.

21) In the event of death of sole depositor and / or all the joint depositors, all payment on account of principal and/or interest will be made to the Nominee appointed by the depositor(s) on submission of proof of identity and on execution of such other documents as the Company may deem fit for the same. In any other case, the amount will be paid to the legal representative(s) of the deceased on submission of proper legal representation such as succession Certificate/Letter of administration/ probate of the will granted by a court of competent jurisdiction.

22) The deposits under FIP issued by the Company are not transferable.

23) Depositors are requested to intimate any change of KYC and instructions regarding interest remittance to reach the Company at least 7 days before the next interest payment is due. Incase of change of address, residential address proof needs to be furnished.

24) Any communication intended for customer will be sent to the mail ID mentioned of First applicant which will be the registered mail ID. Depositors are requested to intimate all their instruction/service request only from their registered email ID to the email IDs given in point 34. SFL is hereby authorised to accept all instructions/service request received or initiated through applicant’s mail IDs registered with SFL. SFL will also not be liable for the consequences or any losses incurred by the depositor, in case where multiple emails for the same instruction has been sent by the depositor. SFL shall not be held liable for any action taken by SFL based on the e-mail. SFL shall not be bound to act upon e-mails, which are illegible. In such cases if SFL proceeds to carry out the instruction SFL understanding or action shall be treated as final. SFL is not liable to take note or act on any instruction received from any e-mail ids other than the email id of the first applicants. SFL shall not be liable for any losses or damages which depositor may suffer as a consequence of SFL acting in accordance with or in reliance upon any e-mail submission. SFL is not bound to go into the authenticity of such mails received from the said ID. Any mail received from email ID shall be deemed by the SFL as an authorised one. SFL shall stand protected at all times and no claim shall be made against SFL for carrying out such transactions based on e-mails issued or originated out of e-mail ID’s. Depositor shall not accuse SFL at any point of having been negligent or violative to any loss, response and liability shall solely be that of the Depositor. SFL shall not be under any obligation at any time to maintain any facility for the receipt of any e-mail submission.

25) The financial position of the Company as disclosed and the representations made in the application form are true and correct. The Company and its Board of Directors are responsible for the correctness and veracity thereof.

26) In case of any deficiency of the Company in servicing its deposit, the depositor can lodge a Complaint with the Company. If the Company has not responded within 30 days, the depositor can approach the RBI Banking Ombudsman for resolution of the query. Alternatively, the depositor may approach the District Level Consumer Dispute Redressal Forum or the State Level Consumer Dispute Redressal Forum or the National Consumer Dispute Redressal Forum for relief.

27) In case of non-repayment of the deposit under FIP or part thereof as per the terms and conditions of FIP, the depositor may approach the Southern Region Bench of Company Law Tribunal, whose full address is, 3rd Floor, Corporate Bhavan (UTI Building), No.29, Rajaji Salai, Chennai 600 001, Tamil Nadu for redressal.

28) Any deposit under FIP which remains unclaimed and unpaid for a period of seven years from the date it becomes due for payment will be transferred to “The Investor Education and Protection Fund” established by the Central Government under section 125 of the Companies Act, 2013.

29) The Company is having a valid Certificate of Registration No.07-00459 dated 31/01/2023 issued by the Reserve Bank of India in lieu of erstwhile certificate No. 07-00459 dated 17/04/2007 under Section 45-IA of the Reserve Bank of India Act, 1934. The financial activities of the Company are regulated by the Reserve Bank of India. However, the Reserve Bank of India does not accept any responsibility or guarantee about the present position as to the financial soundness of the Company or for the correctness of any of the statements or representations made or opinion expressed by the Company and for repayment of deposits under FIP/discharge of liabilities by the Company.

30) Total amount of exposure (aggregate dues) from facilities, both fund and non-fund based, extended to, and the aggregate dues from companies in the same group or other entities or business ventures in which the directors and/or the Company are holding substantial interest as on 31/03/2025 is Rs. 67.49 crores.

31) Credit Ratings: CARE Ratings Limited “CARE AAA; Stable”, CRISIL Limited “Crisil AAA/Stable”, ICRA Limited “[ICRA]AAA (Stable)” and India Ratings and Research Pvt Ltd “IND AAA/Stable”.

32) The deposits under FIP solicited by the Company are not insured.

33) The acceptance and repayment of deposits under FIP and interest payment are subject to the terms and conditions of the Company and the directions of the Reserve Bank of India (RBI) under Non-Banking Financial Companies Acceptance of Public Deposits (Reserve Bank) Directions, 2016 as amended from time to time and are subjected to jurisdiction of Chennai only. Subject to the said directions issued by RBI, the Company reserves the right to alter or amend without notice any or all of the terms and conditions stipulated above.

34) All correspondence with regard to deposits under FIP should be addressed to Company’s following service centres: Chennai: 1st Floor, Chaitanya Exotica, No: 51/24, Venkata Narayana Road, T Nagar, Chennai, Tamil Nadu- 600017, Phone: +91 44 49371111, Email: customersupport@shriramfinance.in;Mumbai: Office No.104 & 105 1st Floor, Level 1, Rupa Solitaire, Sector-1, Millennium Business Park, Mahape, Navi Mumbai, Thane, Maharashtra – 400 710, Phone: +91 22 41574545, Email: customersupport@shriramfinance.in.

35) The maturity value payable in case of deposits under FIP will vary where tax is deducted at source. The maturity value is rounded off to nearest rupee.

36) Repayment of deposit under FIP falling due on a Sunday or a bank holiday or any day when the Company’s head office does not work due to holiday or otherwise will be made on the next working day.

37) The Company has created a floating charge on its statutory liquid assets in favour of Trustees representing public deposit holders of the Company as per Directions of the Reserve Bank of India.

38) Deposits made by Trusts/Societies/AOPs/BOIs in the nature of Charitable Institution registered under Section 332 and 347 to 349 of the Income Tax Act, does not qualify as investments prescribed u/s 350 of the Act.

39) The FIP is not open for Non-Resident Indians and Foreign Nationals.

40) Email ID and Mobile number is mandatory for investment in FIP.

41) All Correspondence with regard to deposits should be addressed to Company’s service centers as mentioned in point no. 34.

PARTICULARS REQUIRED TO BE SPECIFIED AS PER THE PROVISIONS OF NON-BANKING FINANCIAL COMPANIES ACCEPTANCE OF PUBLIC DEPOSITS (RESERVE BANK) DIRECTIONS, 2016 AND MISCELLANEOUS NON-BANKING COMPANIES (ADVERTISEMENT) RULES, 1977:

A. Name of the Company :SHRIRAM FINANCE LIMITED
B. Date of Incorporation of the Company: 30^th June 1979
C. Business carried on by the Company and its subsidiary with details of branches: NBFC - INVESTMENT AND CREDIT COMPANY. (NBFC-ICC) (The Company is primarily engaged in the business of financing commercial vehicles, passenger vehicles, construction equipment, farm equipment, micro, small and medium enterprises, twowheelers, gold loans, personal loans and allied activities.

The company has branches in below mentioned states and union territories:

State					Union Territory
Andhra Pradesh	Gujarat	Kerala	Odisha	Telangana	Chandigarh
Assam	Haryana	Madhya Pradesh	Punjab	Tripura	Dadra and Nagar Haveli and Daman and Diu
Bihar	Himachal Pradesh	Maharashtra	Rajasthan	Uttar Pradesh	Delhi
Chhattisgarh	Jharkhand	Manipur	Sikkim	Uttarakhand	Jammu and Kashmir
Goa	Karnataka	Meghalaya	Tamil Nadu	West Bengal	Puducherry
					Andaman and Nicobar Islands

for more details of our branches, please visit Company's website (Link: https://www.shriramfinance.in/branch-locator/)

Subsidiary

Business carried on by the subsidiary

Shriram Overseas Investments Limited (formerly Shriram Overseas Investments Private Limited)

The Company is a NBFC engaged in the business of investment in, acquire and hold, underwrite, subscribe for and/or sell or dispose shares, bonds, stocks, securities, debenture stocks issued by any company constituted and carrying on business in India or elsewhere, and also act as underwriters and brokers of stock, shares, debentures, Government Bonds, Units of Unit Trust of India, National Savings Certificate, Fixed Deposits and other savings instruments.

The subsidiary company does not have any branch.

D. Brief Particulars of the Management of the Company: The Company is managed by its Executive Vice Chairman/Managing Director & CEO / Managing Director & CFO under the supervision of the Board

E. Names, Addresses & Occupation of the Directors:

Sr. No.	Full Name & Designation	Address	Occupation
1.	Mr. Jugal Kishore Mohapatra, Chairman, Independent Director (DIN 03190289)	Flat No. 101, Lova Villa, Plot No. 408, Saheed Nagar, Bhubaneswar - 751007	Retired Civil Servant (IAS)
2.	Mr. Umesh Revankar, Executive Vice Chairman (DIN 00141189)	1001, Simran CHS Ltd., Plot no. 9, 15th Road, Khar (West), Near Gabana HDFC Bank, Mumbai – 400052.	Service
3.	Mr. Y. S. Chakravarti, Managing Director & CEO (DIN 00052308)	Flat No.302, Banjara Heritage Apartments, Road No. 3, Panchavati Society, Banjara Hills, Hyderabad – 500 034	Service
4.	Mr. Parag Sharma, Managing Director & CFO (DIN 02916744)	B-1401, Ellora, Plot No.27, Sector – 11 Building, CBD Belapur, Navi Mumbai - 400 614.	Service
5.	Mr. Pradeep Kumar Panja, Independent Director (DIN 03614568)	Bhaskara, 21, I Main Road, 4th Cross, Gaurav Nagar, JP Nagar, 7th Phase Bangalore 560 078	Retired SBI Managing Director
6.	Mr. S. Ravindran Independent Director (DIN 09778966)	C 1601, Lakshchandi Heights, Gen AVK Marg, Gokuldham, Goregaon East, Mumbai - 400063, Maharashtra.	Professional
7.	Mr. Gokul Dixit Independent Director (DIN 00357170)	Opp Luz Church Road, No: 4, Krishanswamy Avenue, Mylapore Chennai -600 004.	Professional
8.	Mrs. M. V. Bhanumathi Independent Director (DIN 10172983)	29A, Laxmi Estate, Verma Nagar, Azad Road, Near Chinai College, Andheri, Mumbai - 400069	Management and Legal Consultancy
9.	Mr. D. V. Ravi, Non-Executive Non-Independent Director (DIN 00171603)	B3E, Regal Palm Gardens, CEE DEE YES Apartments, Velachery Tambaram Road, Velachery, Chennai- 600 042	Service
10.	Mr. Ignatius Michael Viljoen, Non-Executive Non-Independent Director (DIN 08452443)	No. 20, Timbavati Complex, St. Christopher Road, St. Andrews, Germiston – 2007 South Africa	Head of Credit at Sanlam Emerging Markets Portfolio Management

F & G.-Profits of the Company before and after making provisions for tax and dividends declared by the Company for the three financial years immediately preceding the date of advertisement

(Rs. in crores)

Year Ended	Profit before provision for Tax	Profit after provision for tax	Equity Dividend Declared
Year Ended	Profit before provision for Tax	Profit after provision for tax	Rate %	Amount
31.03.2023	8,184.89	5,979.34	350	1,311.31
31.03.2024	9,683.64	7,190.48	450	1,690.45
31.03.2025	12,606.02	9,761.00	495	1,861.52

H. Summarised Financial Position of the Company as appearing in the latest Audited Balance Sheet:

(Rs. in crores)

Particulars		As at March 31, 2025	As at March 31, 2024
ASSETS
(1)	Financial assets
(a)	Cash and cash equivalents	10,681.40	6,013.37
(b)	Bank balance other than (a) above	10,684.34	1,597.82
(c)	Derivative financial instruments	250.09	330.48
(d)	Receivables
	(I) Trade receivables	50.82	51.63
	(II) Other receivables	202.87	332.96
(e)	Loans	2,45,392.79	2,07,929.41
(f)	Investments	15,598.71	10,656.64
(g)	Other financial assets	3,307.96	3,269.69
	Total financial assets	2,86,168.98	230,182.00

(2)	Non-financial assets
(a)	Current tax assets (net)	432.07	572.51
(b)	Deferred tax assets (net)	3,694.86	2,884.03
(c)	Investment property	-	0.98
(d)	Property, plant and equipment	1,025.68	845.77
(e)	Intangible assets under development	-	-
(f)	Goodwill	1,189.45	1,406.73
(g)	Other intangible assets	698.95	1,033.93
(h)	Other non-financial assets	321.95	350.43
	Total non-financial assets	7,362.96	7,094.38

(3)	Non-current assets held for sale/ disposal	0.97	-

	Total assets	2,93,532.91	2,37,276.38
LIABILITIES AND EQUITY
LIABILITIES
(1)	Financial liabilities
(a)	Payables
	(I) Trade payables
	(i) total outstanding dues of micro enterprises and small enterprises	1.02	0.02
	(ii) total outstanding dues of creditors other than micro enterprises and small enterprises	297.83	211.73
	(II) Other payables
	(i) total outstanding dues of micro enterprises and small enterprises	0.23	2.25
	(ii) total outstanding dues of creditors other than micro enterprises and small enterprises	1.37	3.16
(b)	Debt securities	54,148.86	44,948.61
(c)	Borrowings (other than debt securities)	1,21,448.42	92,148.80
(d)	Deposits	56,085.99	44,443.66
(e)	Subordinated liabilities	2,513.98	4,300.07
(f)	Other financial liabilities	2,090.42	1,848.39
	Total financial liabilities	2,36,588.12	1,87,906.69

(2)	Non-financial liabilities
(a)	Current tax liabilities (net)	38.98	237.79
(b)	Provisions	344.38	296.21
(c)	Other non-financial liabilities	280.86	267.30
	Total non-financial liabilities	664.22	801.30

	Total liabilities	2,37,252.34	1,88,707.99
(3)	Equity
(a)	Equity share capital	376.08	375.79
(b)	Other equity	55,904.49	48,192.60
	Total equity	56,280.57	48,568.39
	Total liabilities and equity	2,93,532.91	2,37,276.38

Note: Brief particulars of Contingent Liabilities

(A) Contingent liabilities (Rs. in crores)

	Particulars	As at March 31, 2025
a.	In respect of Income tax demands where the Company has filed appeal before various authorities	104.10
b.	VAT demand where the Company has filed appeal before various appellates	2.52
c.	Service tax demands where the Company has filed appeal before various authorities	2,840.87
d.	GST demand where company has filed appeals	37.66
e.	Stamp duty demand raised by District Registrar office against which company has filed appeal	6.69
	Total	2,991.84

(B) Commitments not provided for(Rs. in crores)

	Particulars	As at March 31, 2025
a.	Estimated amount of contracts remaining to be executed on capital account, net of advances	29.66
b.	Commitments related to loans sanctioned but undrawn	218.85

I.	(A) The amount which the Company can raise by way of deposits (1.5 times of Net Owned Funds)	Rs. 70,689.63 crores
	(B) The aggregate of public deposits held on 31.03.2025	Rs. 53,592.10 crores

J. The Company has no overdue deposits other than unclaimed deposits.

K. The Company hereby declares that:

1) The Company has complied with the applicable provisions of the RBI Directions;
2) The compliance with the Directions does not imply that the repayment of deposits is guaranteed by the Reserve Bank of India;
3) The deposits accepted by the Company are unsecured and rank pari passu with other unsecured liabilities.
4) The Company is not in default in the repayment of deposits or interest thereon.

	By Order of the Board For Shriram Finance Limited
	Sd/-
Place: Bhubaneshwar Date: July 18, 2025	Jugal Kishore Mohapatra CHAIRMAN (DIN 03190289)

The above text of advertisement has been issued on the authority and in the name of the Board of Directors of the Company and has been approved by the Board of Directors at its meeting held on July 18, 2025 through video conferencing and a copy of same has been delivered to the Regional Office of the Department of Non-Banking Companies of the Reserve Bank of India, Chennai.

Sd/-	Sd/-	Sd/-	Sd/-
Mr. Jugal Kishore Mohapatra	Mr. Umesh Revankar	Mr. Y.S Chakravarti	Mr. Parag Sharma
(DIN 03190289)	(DIN 00141189)	(DIN 00052308)	(DIN 02916744)

Sd/-	Sd/-	Sd/-	Sd/-
Mr. Pradeep Kumar Panja	Mr. S. Ravindran	Mr. Gokul Dixit	Mrs. M. V. Bhanumathi
(DIN 03614568)	(DIN 09778966)	(DIN 00357170)	(DIN 10172983)

	Sd/-	Sd/-
	Mr. D. V. Ravi	Mr. Ignatius Michael Viljoen
	(DIN 00171603)	(DIN 08452443)

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Women Depositor

Senior Citizen

Monthly Instalment Amount

Number of instalments The total number of installments months you will make into your Fixed Investment Plan account.

Rate of Interest

Instalment start date

Last Instalment Date The date of your last scheduled monthly instalment into your Fixed Investment Plan account.

Total Earnings

Amount on maturity

Maturity date The maturity date shall be 12 months from the last due date of the last instalment for the instalments as selected by the depositor. For example, if the depositor chooses to invest for 15 months the maturity date shall be 26 months from the date of 1st investment.

Instalment Date