What we do Viji Finance Ltd is an Indian Non-Banking Financial Company providing customized financial products and loan services, including recent gold loan offerings, to diverse customer segments. |
Founded in 1,994 |
Market share Registered NBFC operating primarily in India, expanding market presence with 52% revenue growth year-on-year. |
Problem solved Providing accessible, low-cost financing solutions to individuals and corporates, improving their operational and living standards. |
Top clients or who we serve Serves retail and corporate clients across India in a B2C and B2B model, focusing on broad societal financial inclusion. |
Key management Mr. Vijay Kothari (Chairman & Managing Director), Mr. Nitesh Gupta (Whole Time Director) |
Our journey and innovations Founded in 1994, updated brand in 2013, introduced gold loan services in 2021, disposed subsidiary to focus core operations. |
Where we operate Mainly in India with plans to expand geographic presence including international listing efforts. |
Top products or what we offer Financial loans, customized NBFC products, and gold-backed loans introduced from 2021 onwards. |
Top brands No specific flagship brand mentioned; core NBFC and loan products form revenue base. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue primarily recurring from financial services operations. |
Our industry position Non-Systemically Important NBFC, growing steadily with improved profit and diversified offerings. |
Financial highlights FY2025 revenue INR 29.3 crore, net profit INR 1.7 crore, 52% year-on-year revenue growth. |
Geographical revenue split Predominantly Indian market; export or external revenue not reported. |
Order book - |
Whats driving growth Strong brand reputation, product diversification, digitalization, and geographic expansion. |
Our future plans Expand digital services, enter new markets, diversify financial product offerings. |
Our green promise Emphasizes paperless processes and environmental protection initiatives. |
Our people and values Culture focused on governance, compliance, and customer-centric financial solutions. |
Key challenges ahead Pending international listing approval, regulatory compliance, competitive financial sector. |
Interesting facts First Indian NBFC with recent entry into gold loan financing complying with RBI directives. |
Risks and strategy Sector regulations and asset quality; mitigated by strict compliance and diversified loan portfolio. |
