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Serving the underserved

creating value at thebottom of the pyramidIn the corporate world today. Whether it is the Chit Fund

business, or Transport & Equipment Financing, or the consumerFinance business or even the huge deposit customer base ofShriram , over 90% of the 8 million customers of the group come

under the purview of the under-served.

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Helping Create Wealth.

Empowering people

through prosperity.

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OverviewThe 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.

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Founded onApril 5, 1974, this grouphas 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. RThyagarajan, AVS Raja andT Jayaraman were the three musketeers who ventured into

these businesses.

http://en.wikipedia.org/wiki/AVS_Rajahttp://en.wikipedia.org/wiki/AVS_Raja

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"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 groupthat the employees attrition rate is under 10% and all the

CEOs and Senior Management of the group companies arehome grown.

Empowerment and freedom of operation

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

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Features of this include totalempowerment of its employees,

decentralized decision-makingprocess and freedom of action.Most of all, the Group views every

employee as a potential partner inbusiness.

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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, andShriram EPC. He is also Chairman of BellwetherMicrofinance Fund, which provides equity capital topromising Micro Finance organizations and helps them

in capacity building.Mr. Duggal holds an Mechanical Engineering degreefrom Indian Institute of Technology (IIT), Delhi andholds a post graduate degree in management from theIndian Institute of Management (IIM), Ahmedabad.

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FINANCIAL

SERVICES

NON-FINANCIAL

SERVICES

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Corporate Governance in Shriram, as inany other well-governed corporate has 3distinct elements. A well-orchestrated

board process, a transparent frameworkof decision-making and adequate

protection of the minority investors.

FINANCIAL SERVICES

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oCommercial Vehicle Finance

oLife Insurance

oGeneral InsuranceoConsumer & Enterprise Finance

oFinancial Product Distribution

oRetail Stock Broking

oChit Funds

oWealth Advisors

http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/http://www.shriramcapital.com/

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Shriram Transport Finance Company Limited (STFC), India's

largest player in commercial vehicle finance, was established inthe year 1979

Engaged exclusively in financing of Commerical Vehicles, both new aswell as old, Shriram Transport Finance Company Limited (STFC), as ofnow has over 7 lakh truck-owners as customers.

The Assets Under Management is around Rs. 30000 crores (US$ 5.5Billion).

STFC is listed in the Bombay Stock Exchange (BSE), and National StockExchange (NSE) of India.

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

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

same period previous year

(jan,feb and march,2011)

The Net Interest Income

surged by 20.29% to Rs. 814.59crores

The profit after taxrose by 20.20% to Rs. 347.30crores

The Earning per share

surged by 19.91% to Rs. 15.36 Total Assets under

Management

stood at Rs. 36,997.22

crores

The Net Interest Income

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 underManagement

compared to Rs. 36,182.63 crores

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MAIN PRODUCTS:

Commercial VehicleFinance

Passenger CommercialVehicle Finance

Multi Utility VehicleFinance

Three wheeler Finance

Tractor Finance

Construction EquipmentFinance

OTHER PRODUCTS:

Tyre Loan

Engine Replacement Loan

Working Capital Loan

Co-Branded Credit Card

Freight bill discounting

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Shriram was one of the late entrants into the LifeInsurance business in India, which saw a huge influx of

private players entering the industry ever since newlicenses were issued in 2006.

The largest Insurance player in South Africa, Sanlam is

Shrirams partner in the Life Insurance business.

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Products are classified into 4 grroups

1)New ulip plans (shriram ujjwal life,shriram ujjwal lifesp,ujjwal wealth plus,shriram fortune builder)

2)Traditional plans(shri life,shri raksha, shri laabh,shrividhya)

3)Group plans( shriram jana suraksha,shriram creditsheild)

4)Combi products(star shri individual care,star shrifamily care)

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Shriram General Insurance Company Limited is a Joint Venture betweenShriram Capital Limited (Part of Shriram Group) and Sanlam Limited.In this Joint Venture, Shriram Capital Limited holds 74% of Equity andSanlam Limited holds the balance 26% of the Equity.

Products:-

Motor insurance

Fire insurance

Engineering insurance

Miscellaneous

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