Serving the underserved creating value at the bottom of the pyramid

In the corporate world today. Whether it is the Chit Fund business, or Transport & Equipment Financing, or the consumer Finance business or even the huge deposit customer base of Shriram , over 90% of the 8 million customers of the group come under the purview of the under-served.

Helping Create Wealth. Empowering people through prosperity.

Overview
The Group has also made investments

in Manufacturing, Value Added Services, Project Development, Engineering Services, Pharmaceuticals, Machined & Auto Components, Press Dies & Sheet Metal Stamping, Packaging, Information Technology, Property Development etc.

Founded on

April 5, 1974,

this group

has grown to become a major player in the Financial Services space. It was founded by 3 people. Mr. R. Thyagarajan, Mr. AVS Raja and Mr. T. Jayaraman

The 30,000 Cr Shriram Group had its humble beginnings in the Chit Fund business over three decades ago. R Thyagarajan, AVS Raja and T Jayaraman were the three musketeers who ventured into these businesses.

"People first" is the mantra followed at Shriram Group.

This forms an integral part of Shriram philosophy. It is so well-embedded in the cultural ethos of the group that the employees attrition rate is under 10% and all the CEOs and Senior Management of the group companies are home grown. Empowerment and freedom of operation

This philosophy over the years has created a win-win situation for the group and its employees and continues to be the unique value proposition for the group.

Features of this include total empowerment of its employees, decentralized decision-making process and freedom of action. Most of all, the Group views every employee as a potential partner in business.

Mr. Arun Duggal, Chairman

Arun Duggal is Chairman of Board of Directors of Shriram Capital, Shriram Transport Finance Company, Shriram Properties, Shriram City Union Finance, and Shriram EPC. He is also Chairman of Bellwether Microfinance Fund, which provides equity capital to promising Micro Finance organizations and helps them in capacity building. Mr. Duggal holds an Mechanical Engineering degree from Indian Institute of Technology (IIT), Delhi and holds a post graduate degree in management from the Indian Institute of Management (IIM), Ahmedabad.

FINANCIAL

SERVICES

NONFINANCIAL SERVICES

FINANCIAL SERVICES

Corporate Governance in Shriram, as in any other well-governed corporate has 3 distinct elements. A well-orchestrated board process, a transparent framework of decision-making and adequate protection of the minority investors.

o Commercial Vehicle Finance

oLife Insurance oGeneral Insurance

oConsumer & Enterprise Finance

oFinancial Product Distribution oRetail Stock Broking

oChit Funds
oWealth Advisors

Shriram Transport Finance Company Limited (STFC), India's largest player in commercial vehicle finance, was established in the year 1979
Engaged exclusively in financing of Commerical Vehicles, both new as well as old, Shriram Transport Finance Company Limited (STFC), as of now has over 7 lakh truck-owners as customers. The Assets Under Management is around Rs. 30000 crores (US$ 5.5 Billion). STFC is listed in the Bombay Stock Exchange (BSE), and National Stock Exchange (NSE) of India.

It has India presence with 494 branch offices. Based at Mumbai, it manages assets over Rs 36,900 crores and has a livecustomer base exceeding 8,00,000.

Quarter ended 30th. June, 2011 (April,may and june,2011)

same period previous year (jan,feb and march,2011)

The Net Interest Income

The Net Interest Income

surged by 20.29% to Rs. 814.59 crores The profit after tax rose by 20.20% to Rs. 347.30 crores The Earning per share surged by 19.91% to Rs. 15.36 Total Assets under Management stood at Rs. 36,997.22 crores

as against Rs. 677.17 crores

The profit after tax

as against Rs. 288.94 crores

The Earning per share

from Rs. 12.81 Total Assets under Management compared to Rs. 36,182.63 crores

 MAIN PRODUCTS:
Commercial Vehicle

OTHER PRODUCTS:
Tyre Loan Engine Replacement Loan

Finance Passenger Commercial Vehicle Finance Multi Utility Vehicle Finance Three wheeler Finance Tractor Finance Construction Equipment Finance

Working Capital Loan

Co-Branded Credit Card Freight bill discounting

Shriram was one of the late entrants into the Life Insurance business in India, which saw a huge influx of private players entering the industry ever since new licenses were issued in 2006. The largest Insurance player in South Africa, Sanlam is Shrirams partner in the Life Insurance business.

Products are classified into 4 grroups 1)New ulip plans (shriram ujjwal life,shriram ujjwal life sp,ujjwal wealth plus,shriram fortune builder) 2)Traditional plans(shri life,shri raksha, shri laabh,shri vidhya) 3)Group plans( shriram jana suraksha,shriram credit sheild) 4)Combi products(star shri individual care,star shri family care)

Shriram General Insurance Company Limited is a Joint Venture between Shriram Capital Limited (Part of Shriram Group) and Sanlam Limited. In this Joint Venture, Shriram Capital Limited holds 74% of Equity and Sanlam Limited holds the balance 26% of the Equity. Products:Motor insurance Fire insurance Engineering insurance Miscellaneous