What we do Ceejay Finance Limited is an NBFC providing vehicle loans, SME loans, personal loans, microfinance, and insurance services across India, focusing on smaller towns and rural areas. |
Founded in 1,993 |
Market share Manages over Rs 116 crores in assets under management with a strong presence in two-wheeler and used vehicle financing in smaller towns. |
Problem solved Facilitates financial inclusion by providing accessible credit to underserved rural and semi-urban customers, especially for vehicle and SME financing needs. |
Top clients or who we serve Primarily serves individual retail customers in rural and semi-urban areas, including small and medium enterprises. |
Key management - |
Our journey and innovations Started as a packaging firm in 1993; transitioned to finance sector in 2001; now a leading NBFC in vehicle and SME financing in regional markets. |
Where we operate Operations focused primarily in Gujarat, Maharashtra, and other smaller towns in India. |
Top products or what we offer Two-wheeler loans, used four-wheeler loans, SME business loans, personal loans, microfinance, and insurance offerings. |
Top brands Ceejay Finance NBFC services - recognized regional lender in rural vehicle financing; strong regional brand with over 1.2 million clients. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily recurring from loan interest and financing services. |
Our industry position Respected regional NBFC with a niche in rural vehicle financing and SME lending, maintaining low NPAs and solid liquidity. |
Financial highlights FY 2025 revenue Rs. 26.29 crores; Net Profit Rs. 6.8 crores; healthy capital adequacy at 60.58%; growing AUM of Rs 116.45 crores. |
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Whats driving growth Growth driven by expanding rural penetration, co-lending with banks, product diversification in vehicle and SME loans, and use of technology. |
Our future plans Focus on deepening rural presence, financing two-wheelers and used vehicles, enhancing credit risk management, and leveraging co-lending opportunities. |
Our green promise - |
Our people and values Strong employee base aligned to disciplined risk management and customer-centric service culture in regional markets. |
Key challenges ahead Competition from large NBFCs and banks, regulatory changes, liquidity constraints, and technology disruption risks. |
Interesting facts One of the oldest regional NBFCs in Gujarat with over 1.2 million clients and a 28-year legacy in vehicle financing. |
Risks and strategy Mitigate credit and liquidity risks via conservative underwriting, maintain capital buffers, diversify products, and invest in technology for operational efficiency. |
