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Companies›Financial Services›Financial Services›Finance
NSE:SHRIRAMFIN

SHRIRAM FINANCE LIMITED

Financial Services › Finance·NIFTY 100NIFTY 200NIFTY 50NIFTY 500+8
₹828.00
at close · 28 Oct 2026
▲ 4.40 (+0.53%)

Latest filings

  1. Q2 FY27 profit jumps 59% as margin outlook softens · Investor Communications
  2. CRISIL confirms full use of Rs 39,617.98 crore equity issue proceeds · Credit & Debt
  3. Earnings call audio for Q2 FY2026-27 now available · Investor Communications
All filings ↓
Ask Nexa about SHRIRAM FINANCE LIMITED

Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Earns primarily through interest on its lending book, which spans used and new vehicle financing across commercial vehicles, passenger vehicles, two-wheelers, three-wheelers, tractors and construction equipment, plus loans to MSMEs and gold loans. Q1 FY27 disbursements grew sharply year-on-year, riding double-digit growth across the Indian auto industry after recent GST rate cuts. The lending mix is being deliberately reweighted: new vehicle finance is targeted to rise as a share of disbursements, MSME lending to scale as a share of the book, and gold loans to be enabled across the branch network. The lender operates through more than 2,200 branches, with further expansion planned for FY27. Profitability comes from the spread between interest earned on loans and the cost of funds; credit cost is guided at around 2% of total assets. The capital base was rebuilt in April 2026 via a large equity infusion from Japan's MUFG Bank, which is now a 20% shareholder.

Operating scale
Assets under management
INR 3,13,798 crQ1 FY27
Disbursements
INR 49,974 crQ1 FY27
Net interest margin
9.04%Q1 FY27
Branches enabled for gold loans
2,200+Q1 FY27
Planned branch additions
~150FY27
Capital adequacy ratio
34.17%Q1 FY27
Who pays it
Indian retail buyers of vehicles, micro and small business owners, and retail customers pledging gold
Biggest cost
Funding cost on borrowings is the implicit primary input cost for an NBFC and is captured in the NIM spread; employee cost at 8.6% of revenue (FY26) is the largest disclosed operating line
Kind of business
Asset-heavy, cyclical non-banking financial company with exposure to the Indian auto sector and rural economy
Where it sits
Among India's largest NBFCs focused on vehicle finance, with more than 2,200 branches and Japan's MUFG Bank as a 20% shareholder following an April 2026 capital infusion
Market Cap
₹1.95 L Cr
P / E (TTM)
14.6×
EV / EBITDA
—
Div Yield
0.75%
Growth
22.5%▲
Revenue 5y CAGR
PAT +32.0% · EBITDA +23.3%
Quality
—·
ROCE (FY26)
ROE 14.9% (5y median) · margin 73.8%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY21→FY26
2.8×▲
Margin +6.5 pts
₹17,420 Cr → ₹48,133 Cr
Moves on a normal day
1.18%·
Median daily move
Last 267 sessions · the yardstick for filing-day moves
Where it sits among 272 Non Banking Financial Company (NBFC) peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#92/200
P/B#210/253
ROE#18/257
EBITDA margin#68/249
Revenue growth#105/231
Profit growth#80/251

Scorecard

Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice

Strengths
Revenue compounding 23% a year over 5 years
Profit compounding 32% a year over 5 years
Profit grew in every one of the last 5 years
Concerns
EPS grew slower than profit — the share count rose (bonus or dilution)

Charts

How has the market priced it — with filings on the timeline?

SHRIRAMFIN · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from SHRIRAM FINANCE LIMITED's filed financials and exchange disclosures

What does SHRIRAM FINANCE LIMITED do?

SHRIRAM FINANCE LIMITED is a Finance company listed on NSE and BSE, trading under the symbol SHRIRAMFIN.

Is SHRIRAM FINANCE LIMITED profitable?

Yes. Over the trailing twelve months SHRIRAM FINANCE LIMITED reported a net profit of ₹11,318 Cr on revenue of ₹49,997 Cr.

Does SHRIRAM FINANCE LIMITED pay a dividend?

Yes. The dividend yield is 0.75% at the current price. It paid out 15% of its profit as dividend in FY26.

Is SHRIRAM FINANCE LIMITED expensive compared with its peers?

On trailing P/E, SHRIRAM FINANCE LIMITED ranks 92 of 200 in Non Banking Financial Company (NBFC) — cheaper than 54% of them, against an industry median of 18.1×. This is a position, not a valuation judgement.

How much does the SHRIRAM FINANCE LIMITED share price move in a day?

On a typical session SHRIRAM FINANCE LIMITED moves 1.18% — that is the median absolute close-to-close move across its last 267 trading days. MarketPing measures each filing's price reaction against it.

Where can I track SHRIRAM FINANCE LIMITED's announcements?

Every NSE and BSE filing by SHRIRAM FINANCE LIMITED appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.