What we do Shriram Finance Ltd is a leading Indian NBFC providing financing solutions for commercial vehicles, passenger vehicles, MSMEs, two-wheelers, gold loans, and personal loans. |
Founded in 1,979 |
Market share Leader in organized pre-owned commercial vehicle financing with over Rs. 2.9 trillion Assets under Management and 3,225 branches nationwide. |
Problem solved Addresses financing needs of small business owners, transport operators, and retail consumers lacking access to formal credit. |
Top clients or who we serve Small road transport operators, MSMEs, and retail customers; primarily B2C with some B2B segments. |
Key management - |
Our journey and innovations Founded in 1979, expanded through diversified loan products and digital initiatives; pioneered organized financing of used CVs and launched India’s largest vehicle auction platform. |
Where we operate Pan-India presence with over 3,225 branches; extends reach through digital platforms. |
Top products or what we offer Commercial vehicle loans, passenger vehicle loans, MSME loans, two-wheeler loans, gold loans, personal loans, and working capital financing. |
Top brands Shriram Finance flagship brand; Shriram Automall India Ltd offers vehicle auction platform. |
Raw materials needed Not applicable. |
Raw materials supplier Not applicable. |
Recurring vs cyclical contribution Majority of revenue is recurring from loan interests and financing activities. |
Our industry position Top NBFC in retail asset financing, rated AAA/AA+ by multiple agencies, consistent growth in AUM and profitability. |
Financial highlights FY 2024-25 revenue Rs. 43,940 Cr, Profit After Tax Rs. 9,761 Cr; 20+% CAGR in assets and income over recent years. |
Geographical revenue split Primarily India (100% domestic operations). |
Order book Not applicable. |
Whats driving growth Strong loan demand from MSMEs and transport sectors, digital adoption, and capital infusion driving growth. |
Our future plans Focus on digital transformation, expanding loan book, increasing retail penetration, and new product launches. |
Our green promise Increased use of sustainable practices like windmill operations and social finance frameworks. |
Our people and values 77,724 employees, emphasis on diversity, inclusion, and employee welfare initiatives. |
Key challenges ahead Managing asset quality, regulatory compliance, and competitive financing landscape. |
Interesting facts Leader in pre-owned commercial vehicle financing, first-mover digital loan origination, and large asset securitization portfolio. |
Risks and strategy Risks from credit defaults; mitigated through robust credit appraisal and diversified funding strategy. |
