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    Consider you are a fundamental stock analyser whose task is to analyse the given text extracted from a pdf of the financial result of a company
    and summarize the text to extract as much quantitative informations which are useful in analysing the trend of stock in market.

    Take care of the following points when extracting:
    - Pay attention to all the numerical data.
    - Summarize the text involving all numerical information.
    - What does that numerical quantity represent in the text? Give a brief summary around it.
    - Do not miss any relevant numerical information

    Analyse the text to determine:
    - the financial year and quarter. In India the Financial Year is from 1 April of current year to 1 April of next year.
    - the profit numerically as well as profit growth percentage.
    - the asset worth and percentage change in asset value (whether increase or decrease)
    - the GNPA if mentioned and its growth.
    - the analysis on the basis of stock trend if mentioned in the text.
    - any other important financial information which may impact the stock price of the given stock.

    Now summarize the following text:
     
 
 
 
 
SEC:174:2024-25/SM 
November 4, 2024  
The Manager - Listing  
National Stock Exchange of India Limited 
Capital Market  Listing 
Exchange Plaza, 5th Floor 
Plot No.C/1, G Block 
Bandra-Kurla Complex   
Bandra (E), Mumbai 400 051 
 
 
Dear Sir, 
 
Sub: Submission of Press Release   
 
We have pleasure in enclosing the press release relating to the Unaudited Financial Results for 
the quarter and half year ended 30th September 2024.   
 
Thanking you, 
 
Yours truly, 
For Sundaram Finance Limited 
 
 
 
P.N. Srikant 
CCO & Company Secretary 
 
Encl: a/a 
 
CC: The Corporate Relationship 
Dept. of Corporate Services 
BSE Limited 
Floor 25, P J Towers 
Dalal Street 
Mumbai 400 001 
 
 
 PRESS RELEASE
Unaudited standalone & consolidated financial results for the half year ended
September30, 2024
Sundaram Finance logs highest-ever disbursements of Rs. 13,768crores; AUM 
grows 20% to Rs. 48,058crores
Net profit for H1FY25stood at Rs. 648crores
Profits from Operations up by 23% in H1FY25
Continued improvement in asset quality with Gross Stage 3 assets at 1.62% (1.86% as of 
September30, 2023) and Net Stage 3 assets at 0.89% (1.08%as of September30, 2023)
ROA at 2.50%for H1FY25(2.95% for H1FY24)
Capital Adequacy Ratio at20.0% (19.9%forH1FY24)
The Board of Directors of Sundaram Finance Ltd. (SFL) approved the unaudited standalone and 
consolidated financial results for the half year ended Sep 30, 2024, at its meeting held on Nov 04, 
2024, in Chennai. 
balanced H1FY25 despite lower-than-expected economic activity 
in the half year. Assets under management grew by 20%to Rs. 48,058crorescompared to the prior 
year period. Net stage 3 assets closed at 0.89%and profit after tax for H1FY25 was atRs. 648crores.
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," said Harsha Viji, Executive Vice Chairman.
Disbursements for H1FY25 recorded a growth of 3% over H1FY24. Gross stage 3 assets improved 
over the previousyear.Gross stage 3 assets as onSeptember30, 2024, stood at 1.62%with provision 
cover of 45% as against 1.86% as on September 30, 2023, with provision cover of 42%. Core 
operations performed strongly with profit from operations up by 23% in H1FY25. Profits after tax 
was flat at Rs. 648crores duringH1FY25 andH1FY24primarily due to a shift in the timing of dividend 
income last year. Dividend income was at Rs. 43 crores during H1FY25 as against Rs. 181 crores in 
H1FY24. Return on assets closed at 2.50% in H1FY25 as against 2.95% for H1FY24 and capital 
adequacy at 20.0% remains quite comfortable.Economic activity in Q2 was well below expectations with the monsoons disrupting consumption 
and government spending being slower post the general elections. The tepid economic activity was 
exacerbated by growing concerns on asset quality in the microfinance and unsecured lending 
sectors. With no exposure in these segments, we delivered a well-balanced performance in a tough 
operating environment, recording operating profit growth of 23%. Looking ahead, we remain 
cautiously optimistic of a recovery in economic activity in H2 as domestic consumption and private 
sector capital expenditure resume and the central government
agenda gather pace. Team Sundaram will continue to remain sharply focused on delivering the 
Sundaram experience to our customers, our people and all stakeholders,
Managing Director.  
STANDALONE PERFORMANCE HIGHLIGHTS FOR H1FY25
Disbursements for H1FY25grew by3% to Rs. 13,768crores as compared toRs. 13,430crores 
registered in H1FY24.
The assets under management grew by 20% to Rs. 48,058crores as on 30thSeptember2024
asagainst Rs.40,106crores as on 30thSeptember2023.
Net interest income grew 19.4% to Rs. 1,304 crores in H1FY25 from Rs. 1,092 crores in 
H1FY24.
Gross stage 3 as on 30thSeptember2024stood at 1.62% with 45% provision cover as against 
1.86% with provision cover of 42% as on 30thSeptember 2023. Net stage 3 as on 30th
September2024closed at 0.89% as against 1.08% as on 30thSeptember2023. 
The Gross and Net NPA, as per classification norms for NBFCs, are 2.39% and 
1.55% respectively as against 2.89% and 2.06% as of 30thSeptember2023.
Profit from operations increased by 23% in H1FY25 as compared to H1FY24.
Costto income ratio closed at 32.27% in H1FY25 as against 35.18% in H1FY24.
The dividend income was lower during H1FY25 at Rs. 43 crores as against Rs. 181 crores in 
H1FY24.
Profit after tax was flat at Rs. 648 crores during H1FY25 and H1FY24.
Return on assets (ROA) for H1FY25closed at 2.50% as against 2.95% for H1FY24. Return on
equity (ROE) was at 14.2% for H1FY25as against 16.2% for H1FY24. 
Capital Adequacy Ratio stood at 20.0% (Tier I 16.4%) as of 30thSeptember 2024compared 
to 19.9% (Tier I 15.9%) as of 30thSeptember2023. CONSOLIDATED PERFORMANCE HIGHLIGHTS FOR H1FY25
The consolidated results of SFL include the results of its standalone subsidiaries Sundaram Home 
Finance, Sundaram Asset Management and joint venture company Royal Sundaram General 
Insurance.
The assets under management (AUM) in our lending and general insurance businesses stood 
at Rs. 72,541 crores as on 30thSeptember 2024 as against Rs. 60,578 crores as on 30th
September2023, a growth of 20%. Theassets under management of our asset management 
business stood at Rs. 76,845 crores as on 30thSeptember 2024 as against Rs. 61,884 crores 
as on 30thSeptember2023, a growth of 24%. 
Profit after tax for H1FY25 grew by 18% to Rs. 871 crores as compared to Rs. 741 crores in 
H1FY24.
GROUP COMPANY PERFORMANCE HIGHLIGHTS
Our group companies continued to perform well.
The asset management business closed the half yearended 30thSeptember2024with assets 
under management of Rs. 76,845 crores (around 85% in equity) and consolidated profits 
from the asset management businesses was at Rs. 68 crores as against Rs. 49 crores in
H1FY24. 
Royal Sundaram reported a Gross Written Premium (GWP) of Rs. 2,053 crores as compared 
to Rs. 1,818crores in the corresponding period of the previous year, representing a growth 
of 13%. The Company reported a profit after tax of Rs. 126 crores for H1FY25 as against a 
profitof Rs. 145croresin H1FY24. 
Sundaram Home Finance continued to grow strongly with disbursements up by 26% to          
Rs.2,896crores in H1FY25. The profit for H1FY25was Rs.111crores, as against Rs.117crores 
in H1FY24.
ABOUT SUNDARAM FINANCE
Sundaram Finance was established in 1954 and the company has today grown into one of the 
most trusted and diversified financial services groups in India providing financing for commercial 
vehicles, cars & utility vehicles, tractors and farm equipment, construction equipment, SME 
finance and a range of working capital products for financing diesel, tyres, insurance as well as 
working capital for SMEs. Through its subsidiaries and group companies, the company offers 
home finance, loans against property, mutual funds and investment management solutions and the full range of general insurance products and services. It has a nationwide presence of over 
700branches, over 1.1 lakh depositors and over 4.75lakh lending customers.
be the most respected NBFC in the country and its mission is to 
deliver the Sundaram experience to all customers, big and small, in keeping with the ethos of 
the Company. Sundaram Finance embraces a philosophy that balances GrowthwithQuality and 
Profitability and remains rooted inits ideal of protecting and enhancing shareholder value. The 
founding philosophy of the company is that everything begins with the customer. Our founder, 
Late Sri T S Santhanam, enshrined in the company its core values - The Sundaram Way - that 
values and proud of its heritage, also constantly innovating in terms of technology and processes 
to deliver the unique Sundaram experience to its customers and stakeholders.
ABOUT TSF GROUP 
With a legacy spanning a century, the TSF G cover the automotive and financial 
services sectors. Companies promoted by the TSF Group have combined revenue of more than 
Rs. 26,000 crores, 42,000 employees, 1,200 branches, and 36 factories. In the automotive 
industry, the TSF group operates across segments from component manufacturing, parts 
distribution, vehicle dealership and vehicle financing. The Group serves marquee customers 
Group 
companies are market leaders in their segments and include Brakes India, Wheels India, Axles 
India, Turbo Energy, IMPAL, Madras Auto Service, and Sundaram Motors. In financial services, 
the TSF Group promoted Sundaram Finance (founded 1954), one of the most respected names 
in the NBFC sector, with interests in automotive lending, general insurance, housing loans, and 
asset management. The financial services business has more than Rs. 72,000 crores in assets and 
a further Rs.76,000 crores in assets managed. The TSF Group comprises the T.S. Santhanam
branch of the erstwhile TVS group and continues the tradition of Trust, Value and Service that 
the group has been known for this past century.
For more information, please visit: https://www.sundaramfinance.in/
For further details, please contact: 
P N Srikant, Sundaram Finance, <PRESIDIO_ANONYMIZED_PHONE_NUMBER>
    
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