Finance company Sundaram Finance announced Q4FY25 & FY25 results Consolidated Q4FY25 & FY25 Financial Highlights: The assets under management (AUM) in our lending and general insurance businesses stood at Rs 78,145 crore as on 31st March 2025 as against Rs 66,472 crore as on 31st March 2024, a growth of 18%. The assets under management of our asset management business stood at Rs 71,826 crore as on 31st March 2025 as against Rs 70,883 crore as on 31st March 2024. Profit after tax for FY25 grew by 31% to Rs 1,879 crore as compared to Rs 1,436 crore in FY24. Standalone Q4FY25 & FY25 Financial Highlights: Disbursements for Q4FY25 grew by 11% to Rs 6,873 crore as compared to Rs 6,209 crore registered in Q4FY24. Disbursements for FY25 grew by 9% to Rs 28,405 crore as compared to Rs 26,163 crore registered in FY24. The assets under management grew by 17% to Rs 51,476 crore as on 31st March 2025 as against Rs 43,987 crore as on 31st March 2024. Net interest income grew by 22% to Rs 2,793 crore in FY25 from Rs 2,284 crore in FY24 Gross stage 3 assets as on 31st March 2025 stood at 1.44% with 49% provision cover as against 1.26% with provision cover of 50% as on 31st March 2024. Net stage 3 assets as on 31st March 2025 closed at 0.75% as against 0.63% as on 31st March 2024. The Gross and Net NPA, as per RBI’s asset classification norms for NBFCs, are 2.17% and 1.38% respectively as against 1.98% and 1.25% as of 31st March 2024. Cost to income ratio improved to 30.80% in FY25 as against 34.68% in FY24. Profit after tax registered a 6% rise in FY25, with net profit at Rs 1,543 crore. After excluding exceptional item in FY24, profit after tax rose 16% in FY25. Return on assets (ROA) for FY25 closed at 2.85% as against 3.18% for FY24. Return on equity (ROE) was at 16.30% for FY25 as against 17.51% for FY24. The Company has declared a final dividend of Rs 21/- per share (210%). Harsha Viji, Executive Vice Chairman. said, “Team Sundaram has delivered 17% growth in AUM to Rs 51,476 crore, asset quality with net stage 3 at 0.75% vs 0.63% last year and profits from operations growing 29% year-on-year. Our Group companies in asset management, general insurance and home finance have continued their trajectory from FY24 and recorded strong results. We continue to rely on our time-tested approach of steady and sustainable growth with best-in-class asset quality and consistent profitability," Rajiv Lochan, Managing Director, stated, “FY25 was marked by subdued demand due to an extreme summer, general elections, a dull festive season and global volatility driven by tariff-related uncertainty as well as geopolitical complications. Customer outlook was, by and large, cautious and the burden of economic growth was largely supported by Government capex, which ended up at levels lower than the previous year. Given the uncertainties in the external demand, our focus on market share has remained clear. We have gained market share across nearly major asset classes that we focus on, resulting in 17% growth in AUM for FY25 and our laser-sharp focus on controlling our costs – borrowing, operating & credit – resulted in a 29% growth in profits from operations.” “Looking ahead, we expect macroeconomic sentiments to improve on the rural front because of above normal monsoons forecasted by the IMD and strong procurement, and, on the urban front, due to an improvement in government spending on infrastructure as well as the income tax benefits announced in the union budget. As private consumption improves, private sector capex will likely pick up. We are well positioned to continue our marathon running - steady growth, best-in-class asset quality and continued resilient profitability - and in delivering the Sundaram experience to our customers, people and partners,” he added. Result PDF