Shriram Finance

Mumbai, India Founded: 1979 • Age: 47 yrs Listed Fortune India 500 · #66 India's Most Valuable · #28
Consumer and SME loans are provided across India.
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About Shriram Finance

Shriram Finance is a publicly listed company based in Mumbai (India) founded in 1979. Consumer and SME loans are provided across India. The company has 79,870 employees. Its chief executive, as recorded, is Yalamati Srinivasa Chakravarti. Its website shriramfinance.in draws about 2 million monthly visits. Its Indian entity Shriram Finance Limited reported revenue of ₹48,193 Cr. Shriram Finance offers products and services including Fixed Deposit, Two Wheeler Loan, Personal Loan, Digital Gold, and Insurance Products. Its focus areas include Consumer and SME Loans, Diversified and Internet-First. Its competitors include IIFL Finance, L & T Finance Holdings and Kinara Capital; 1 of its 3 listed competitors has raised funding.

Company details

Shriram Finance was established in 1979 in Mumbai, India, within the financial services sector. Loans for consumers and small to medium enterprises are extended as primary offerings. Operations are conducted nationwide, supporting credit access for individuals and businesses. In 2022, revenues totaling 3.27 billion were achieved, with net profits recorded at 0.64 billion. The company is led by CEO Yalamati Srinivasa Chakravarti.

Shriram Finance is ranked #66 on the Fortune India 500 (2025) and #28 among India's most valuable companies (2025).

Recognitions & Rankings of Shriram Finance

Fortune India 500 2025 edition
Rank#66
Total income
₹44,105 Cr
Profit
₹9,554 Cr
Last year #71
India's Most Valuable Companies 2025 edition · Source: Hurun India
Rank#28
Valuation
₹2,20,530 Cr
1-year change
+89%
2024 #51 2023 #59
  • Headquarters Mumbai, India
  • Employees 79,870
  • Stage Public
  • Sectors
    Financial Services
  • Website category Finance · Banking Credit and Lending
  • Phone
    •••• ••••
  • Website shriramfinance.in
  • Social LinkedIn Facebook Instagram YouTube
  • Legal Name Shriram Finance Limited
Operational Areas
Financial Services → Consumer and SME Loans
Key Metrics
  • Market Cap
    ₹2,26,838 Cr

    SHRIRAMFIN · NSE

  • Share Price
    ₹961.15

    -0.30% today

  • Revenue
    ₹48,135 Cr

    FY 2025-26 · +9.5% YoY

  • EBITDA
    ₹35,526 Cr

    Margin 73.8%

  • Net Profit
    ₹10,029 Cr

    FY 2025-26 · +21.6% YoY

  • P/E (TTM)
    16.9x

    P/B 1.9x

  • ROE
    16.4%

    ROCE 11.5%

  • Debt / Equity
    3.96

    Interest cover 62.0x

  • Latest Funding Round
    $4.42B (USD), Post-IPO

    Dec 2025

  • Investors
    Asian Development Bank

    & 1 more

  • Employee Count
    79,870

Products & Services of Shriram Finance

Shriram Finance offers a comprehensive portfolio of products and services, including Fixed Deposit, Two Wheeler Loan, Personal Loan, Digital Gold, and Insurance Products.

Fixed Deposit
Investment

Investment option with attractive interest rates and flexible tenures

Two Wheeler Loan
Loan

Financing for purchasing two-wheelers with low interest rates

Personal Loan
Loan

Unsecured loan for personal needs with quick disbursal

Digital Gold
Investment

Digital platform for buying and managing gold investments

Insurance Products
Insurance

Coverage for vehicles and life with various plans available

Apps and channels of Shriram Finance

Shriram Finance publishes 1 mobile app with over 10M+ downloads; its YouTube channel Shriram Finance Limited has 32K subscribers and 30 videos.

Shriram One: FD, UPI, Loans
Google Play Finance Everyone Free 10M+ downloads
Developer: Shriram Finance Limited
View on Google Play
Shriram Finance Limited
YouTube 32K subscribers 30 videos Autos & Vehicles
Open channel

Videos from Shriram Finance

The most watched videos on Shriram Finance's YouTube channel, Shriram Finance Limited (32K subscribers). Click a video to play it here.

Shriram Finance #TogetherWeSoar #JudengeUdenge | Hindi
34.6M views
Shriram Finance #TogetherWeSoar #OkkatigaEdugutham | Telugu
5.5M views
Shriram Finance #TogetherWeSoar #JotheyaagiriUnnatigeri | Kannada
3.7M views
Shriram Finance #TogetherWeSoar #OndruservomEzhuvom | Tamil
2.9M views

More on Shriram Finance Limited.

Funding Insights of Shriram Finance

  • Total Rounds 3
  • Last Round Post-IPO — $4.42B
  • First Round $100M

    (Dec 2022)

  • Investors Count 2

All 3 funding rounds of Shriram Finance with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.

DateAmountTransaction NameValuationLead InvestorsInvestors
Dec 2025$4.42BPost-IPO––
MUFG
Dec 2025$4.42BPost-IPO––
MUFG
Dec 2022$100MDebt – Conventional––
Asian Development Bank
Valuation history

2 investors in total: 2 institutional.

Investors in Shriram Finance

Shriram Finance has secured backing from 2 investors, including institutional investors. Prominent investors backing the company include Asian Development Bank and MUFG Bank.

All
Institutional
InvestorDescriptionFounded YearDomainLocation
Asian Development Bank
Advisory services and financial resources are mobilized for development projects.
1966adb.orgMandaluyong, Philippines
MUFG Bank
mufg.jp
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Investor details for Shriram Finance

The complete investor list, round-by-round participation and investor portfolios require an active premium plan.

  • Complete investor list
  • Round participation
  • Investor portfolios
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Board of directors of Shriram Finance Limited (Shriram Finance)

Shriram Finance Limited is the primary company behind Shriram Finance. The boards of the 3 registered companies of Shriram Finance currently have 23 directors; the longest-serving is Chitta Dash Ranjan, appointed in 2009. 56 earlier directors have ceased.

DirectorDesignationAppointedTenureEntity
Chitta Dash Ranjan
DIN 01602940
Company Secretary01 Aug 200917 yrs 3 moShriram City Union Finance Limited
Ramasubramanian Chandrasekar
DIN 00156485
Director04 Aug 201115 yrs 3 moShriram Financial Products Solutions (Chennai) Private Limited, Shriram City Union Finance Limited
Venkataraman Murali
DIN 00730218
Director01 Dec 201114 yrs 11 moShriram City Union Finance Limited
Duruvasan Ramachandra
DIN 00223052
Director06 Jun 201214 yrs 5 moShriram City Union Finance Limited
Akhilesh Kumar Singh
DIN 00421577
Director30 May 201412 yrs 5 moShriram Financial Products Solutions (Chennai) Private Limited
Debendranath Sarangi
DIN 01408349
Director29 Jan 201511 yrs 9 moShriram City Union Finance Limited
Maya Swaminathan Sinha
DIN 03056226
Director28 May 201511 yrs 5 moShriram City Union Finance Limited
Ravi Devaki Venkataraman
DIN 00171603
Director18 Jun 201511 yrs 4 moShriram Finance Limited
Panja Pradeep Kumar
DIN 03614568
Director25 Oct 20188 yrsShriram Finance Limited
Diwakar Gandhi
DIN 00298276
Director01 Apr 20197 yrs 7 moShriram City Union Finance Limited
Srinivasa Chakravarti Yalamati
DIN 00052308
Managing Director01 Jul 20197 yrs 4 moShriram City Union Finance Limited
Ignatius Michael Viljoen
DIN 08452443
Director29 Jul 20197 yrs 3 moShriram City Union Finance Limited, Shriram Finance Limited
Rampal Singh
DIN 05274873
Director08 Jun 20206 yrs 5 moShriram Financial Products Solutions (Chennai) Private Limited
Parag Sharma
DIN 02916744
Managing Director13 Dec 20214 yrs 10 moShriram Finance Limited
Umesh Govind Revankar
DIN 00141189
Director14 Dec 20214 yrs 10 moShriram City Union Finance Limited, Shriram Finance Limited
Amit Sankar Gupta
DIN 00421673
Additional Director11 Nov 20223 yrs 11 moShriram Financial Products Solutions (Chennai) Private Limited
Jugal Kishore Mohapatra
DIN 03190289
Director04 Dec 20223 yrs 11 moShriram Finance Limited
Ravindran Shunmugakani
DIN 09778966
Director31 Aug 20233 yrs 2 moShriram Finance Limited
Bhanumathi Viswanathan Melattur
DIN 10172983
Director01 Jun 20242 yrs 5 moShriram Finance Limited
Gokul Subramanian Dixit
DIN 00357170
Director01 Jun 20242 yrs 5 moShriram Finance Limited
Sunder Subramanian
DIN 08189901
Whole-time director02 Dec 202511 moShriram Finance Limited
Shinichi Fujinami
DIN 11545464
Additional Director24 Apr 20266 moShriram Finance Limited
Morihiko Fuji
DIN 11544762
Additional Director24 Apr 20266 moShriram Finance Limited

People of Shriram Finance

1 people are tracked at Shriram Finance (1 in leadership); the tracked headcount is 79,870.

NameRoleGroup
Yalamati Srinivasa Chakravarti
CEO & Managing DirectorLeadership
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Complete people profiles for Shriram Finance

Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.

  • Full employee list
  • Team structure
  • Board tenure
  • Professional contacts

Verified entity values are shown only after access is granted.

IPO & Listings of Shriram Finance

Shriram Finance is a publicly listed company on the NSE with ticker symbol SHRIRAMFIN in India, operating in the Finance sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.

  • IPO date11 Dec 1996
  • Listed onNSE: SHRIRAMFIN
  • Listed entityShriram Finance Limited
  • Exchange sectorFinance
  • ISININE721A01047
  • Share price₹952.30 (-3.61% on the day) · 2026-10-14
  • Market capitalisation₹232,481 Cr
  • Price to earnings16.8
  • EPS (diluted, trailing year)₹56.63
  • Dividend yield1.16%
  • Volume (last session)3,981,845

Financials of Shriram Finance

Exchange-reported figures of Shriram Finance Limited, the listed company behind Shriram Finance (NSE: SHRIRAMFIN).

Financial Highlights

FY 2025-26 · Consolidated
Revenue
₹48,135 Cr
+9.5% YoY
EBITDA
₹35,526 Cr
+12.2% YoY
Profit After Tax
₹10,029 Cr
+21.6% YoY
Net Worth
₹65,919 Cr
+16.7% YoY
Total Assets
₹3,16,611 Cr
+8.9% YoY
Total Debt
₹2,50,692 Cr
+7.0% YoY

Revenue vs Net Profit ₹ Cr

Margin trends

Financial summary ₹ Cr

MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Income statement
Revenue48,13543,94136,38830,49219,25517,42216,561
Revenue growth+9.5%+20.8%+19.3%+58.4%+10.5%+5.2%-
EBITDA35,52631,65326,11121,78513,43912,49011,879
EBITDA margin+73.8%+72.0%+71.8%+71.5%+69.8%+71.7%+71.7%
Profit before tax13,30012,6449,9608,2143,5493,2783,439
Net profit10,0298,2467,3666,0122,7222,4992,511
Net profit margin+20.8%+18.8%+20.2%+19.7%+14.1%+14.4%+15.2%
EPS (₹)53.2850.81196.02160.54100.5998.74110.73
Balance sheet
Total assets3,16,6112,90,6672,45,1732,08,0021,40,9401,28,2631,12,877
Net worth65,91956,47048,94743,51326,09421,71718,142
Total debt2,50,6922,34,1971,95,4961,64,2021,14,8461,06,54694,735
Cash & bank7,94321,36611,17316,30716,35516,4427,315
Net working capital12,26622,87710,21816,15316,01715,5377,158
Cash flow
Cash from operations(13,281)(43,652)(31,101)(17,625)(8,859)(4,239)(2,464)
Cash from investing(241)3,630(258)5,076(34.33)(24.88)(55.20)
Cash from financing8,58744,52127,60911,8208,50512,2264,579
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue13,79213,40012,51312,17111,91211,53611,45410,698
Revenue growth (YoY)+15.8%+16.2%+9.3%+13.8%+18.1%+20.1%--
Other income9.3618.3118.9225.778.896.126.021,574
EBITDA10,0689,9959,4098,7748,8038,4748,1617,665
EBITDA margin+74.0%+75.6%+76.5%+72.9%+74.9%+74.3%+72.6%+72.4%
Depreciation180183175177174173171162
Interest4,9655,2045,3365,2595,5255,4015,2244,751
Profit before tax4,9324,6263,9173,3633,1132,9062,7724,326
Tax1,2551,1789028408037516331,081
Net profit3,6773,4473,0152,5242,3102,1552,1393,245
EPS (₹)15.6614.8516.0513.4412.2911.4711.3986.25
MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Income statement
Revenue48,12043,71034,97329,78719,25517,42216,561
Revenue growth+10.1%+25.0%+17.4%+54.7%+10.5%+5.2%-
EBITDA35,51831,75725,09621,29413,43912,49011,879
EBITDA margin+73.8%+72.7%+71.8%+71.5%+69.8%+71.7%+71.7%
Profit before tax13,29212,6069,6848,1853,5493,2783,439
Net profit10,0027,6427,1905,9802,7082,4882,501
Net profit margin+20.8%+17.5%+20.6%+20.1%+14.1%+14.3%+15.1%
EPS (₹)53.1451.91191.34159.69100.1098.29110.27
Balance sheet
Total assets3,16,3952,90,4782,34,4102,01,2131,40,7781,28,1141,12,740
Net worth65,70556,28148,56843,30725,93221,56818,005
Total debt2,50,6902,34,1971,85,8411,57,9061,14,8461,06,54694,735
Cash & bank7,93821,3667,61115,81716,35516,4427,315
Net working capital12,26122,8779,65215,52716,01715,5377,158
Cash flow
Cash from operations(12,981)(42,275)(27,670)(15,841)(8,859)(4,239)(2,464)
Cash from investing(544)3,678(238)5,037(34.33)(24.88)(55.20)
Cash from financing8,58543,26524,4169,6478,50512,2264,579
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue13,78913,39412,50912,16611,90811,53611,45410,698
Revenue growth (YoY)+15.8%+16.1%+9.2%+13.7%+18.0%+20.3%--
Other income9.4918.4319.1925.838.946.136.021,664
Total expenses3,7223,4033,1023,3963,1073,0613,2933,033
EBITDA10,0679,9919,4068,7708,8008,4748,1617,665
EBITDA margin+74.0%+75.6%+76.5%+72.9%+74.9%+74.3%+72.6%+71.6%
Depreciation180183175177174173171162
Interest4,9655,2045,3365,2595,5255,4015,2244,751
Profit before tax4,9324,6223,9153,3603,1102,9072,7724,416
Tax1,2551,178902839803751633846

Financial Statements

Figures in ₹ Cr; negatives in brackets. Updated 07 Nov 2026
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue13,79213,40012,51312,17111,91211,53611,45410,698
Revenue growth (YoY)+15.8%+16.2%+9.3%+13.8%+18.1%+20.1%--
Other income9.3618.3118.9225.778.896.126.021,574
EBITDA10,0689,9959,4098,7748,8038,4748,1617,665
EBITDA margin+74.0%+75.6%+76.5%+72.9%+74.9%+74.3%+72.6%+72.4%
Depreciation180183175177174173171162
Interest4,9655,2045,3365,2595,5255,4015,2244,751
Profit before tax4,9324,6263,9173,3633,1132,9062,7724,326
Tax1,2551,1789028408037516331,081
Net profit3,6773,4473,0152,5242,3102,1552,1393,245
EPS (₹)15.6614.8516.0513.4412.2911.4711.3986.25
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Revenue48,13543,94136,38830,49219,25517,42216,561
Revenue growth+9.5%+20.8%+19.3%+58.4%+10.5%+5.2%-
Other income58.0816524.7316.7218.9114.2114.47
Total expenses12,60812,28710,2788,7075,8174,9324,683
Employee cost4,1313,6513,4722,6369979061,011
EBITDA35,52631,65326,11121,78513,43912,49011,879
EBITDA margin+73.8%+72.0%+71.8%+71.5%+69.8%+71.7%+71.7%
Depreciation699645588601135137141
Interest21,58618,52915,58812,9879,7739,0898,313
Profit before tax13,30012,6449,9608,2143,5493,2783,439
Tax3,2963,0802,5692,202841791937
Net profit10,0298,2467,3666,0122,7222,4992,511
Net profit margin+20.8%+18.8%+20.2%+19.7%+14.1%+14.4%+15.2%
EPS (₹)53.2850.81196.02160.54100.5998.74110.73
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Equity & liabilities
Share capital376376376374271253227
Reserves & surplus65,54256,09448,57143,13825,82421,46417,915
Shareholders' funds (net worth)65,91956,47048,94743,51326,09421,71718,142
Minority interest0.000.007302870.000.000.00
Secured loans1,78,7931,75,5971,43,7981,23,30287,84884,87976,287
Unsecured loans71,89958,60051,69840,90026,99821,66718,447
Total debt2,50,6922,34,1971,95,4961,64,2021,14,8461,06,54694,735
Total liabilities3,16,6112,90,6672,45,1732,08,0021,40,9401,28,2631,12,877
Assets
Gross block5,5635,2305,6945,143831560576
Net block2,6352,9143,7183,714418437489
Capital work in progress0.000.000.0066.080.000.000.00
Investments14,99315,7889,4727,4306,9713,3472,936
Inventories0.000.000.000.000.000.000.00
Sundry debtors51.7850.8251.6317.005.358.9210.50
Cash & bank balances7,94321,36611,17316,30716,35516,4427,315
Loans & advances9,0354,7912,0872,4009847331,222
Total current assets17,03026,20813,31118,72417,34417,1848,547
Total current liabilities4,7643,3303,0932,5711,3281,6471,389
Net working capital12,26622,87710,21816,15316,01715,5377,158
Total assets3,16,6112,90,6672,45,1732,08,0021,40,9401,28,2631,12,877
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Opening cash10,6816,1829,93310,66211,0513,0891,029
Net cash from operating activities(13,281)(43,652)(31,101)(17,625)(8,859)(4,239)(2,464)
Net cash from investing activities(241)3,630(258)5,076(34.33)(24.88)(55.20)
Net cash from financing activities8,58744,52127,60911,8208,50512,2264,579
Net change in cash(4,936)4,499(3,750)(730)(388)7,9622,060
Closing cash7,94321,36611,17316,30716,35516,4427,315
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Growth
Sales growth+9.5%+20.8%+19.3%+58.4%+10.5%+5.2%-
EBITDA growth+12.2%+21.2%+19.9%+62.1%+7.6%+5.1%-
PBT growth+5.2%+26.9%+21.3%+131.4%+8.3%-4.7%-9.0%
Net income growth+21.6%+12.0%+22.5%+120.9%+8.9%-0.5%-
Revenue CAGR (3Y)+16.4%+31.7%+27.8%+22.6%+7.4%+8.9%+15.0%
EBITDA CAGR (3Y)+17.7%+33.1%+27.9%+22.4%+5.8%+6.9%+18.2%
Profitability & leverage
Net income margin+20.8%+21.8%+20.3%+19.7%+14.1%+14.3%+15.1%
Return on capital employed+11.5%+11.0%+11.3%+12.2%+9.9%+10.3%+10.8%
Return on net worth+16.4%+15.7%+16.0%+17.3%+11.3%+12.5%+14.7%
Debt / equity3.964.083.894.014.635.055.36
Long-term debt / equity3.903.983.793.954.564.975.14
Interest cover61.9859.7661.0761.3173.4673.5870.83
Efficiency & per share
Fixed asset turnover8.938.086.7210.2127.7130.7042.65
Inventory turnover0.000.000.000.000.000.000.00
Debtors turnover939.43861.011,061.142,730.062,701.361,795.721,746.66
EPS (₹)53.2850.81196.02160.54100.5998.74110.73
Dividend per share (₹)10.809.9045.0035.0020.0018.005.00
Book value per share (₹)350.34300.311,302.511,162.11964.60858.19799.64
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue13,78913,39412,50912,16611,90811,53611,45410,698
Revenue growth (YoY)+15.8%+16.1%+9.2%+13.7%+18.0%+20.3%--
Other income9.4918.4319.1925.838.946.136.021,664
Total expenses3,7223,4033,1023,3963,1073,0613,2933,033
EBITDA10,0679,9919,4068,7708,8008,4748,1617,665
EBITDA margin+74.0%+75.6%+76.5%+72.9%+74.9%+74.3%+72.6%+71.6%
Depreciation180183175177174173171162
Interest4,9655,2045,3365,2595,5255,4015,2244,751
Profit before tax4,9324,6223,9153,3603,1102,9072,7724,416
Tax1,2551,178902839803751633846
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Revenue48,12043,71034,97329,78719,25517,42216,561
Revenue growth+10.1%+25.0%+17.4%+54.7%+10.5%+5.2%-
Other income58.4724.0124.8615.9118.9114.2114.47
Total expenses12,60211,9539,8778,4935,8174,9324,683
Employee cost4,1263,6513,2162,5069979061,011
EBITDA35,51831,75725,09621,29413,43912,49011,879
EBITDA margin+73.8%+72.7%+71.8%+71.5%+69.8%+71.7%+71.7%
Depreciation699645569524135137141
Interest21,58518,52914,86812,6019,7739,0898,313
Profit before tax13,29212,6069,6848,1853,5493,2783,439
Tax3,2942,8452,4932,206841791937
Net profit10,0027,6427,1905,9802,7082,4882,501
Net profit margin+20.8%+17.5%+20.6%+20.1%+14.1%+14.3%+15.1%
EPS (₹)53.1451.91191.34159.69100.1098.29110.27
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Equity & liabilities
Share capital376376376374271253227
Reserves & surplus65,32955,90448,19342,93225,66221,31517,778
Shareholders' funds (net worth)65,70556,28148,56843,30725,93221,56818,005
Secured loans1,78,7911,75,5971,34,6371,17,15587,84884,87976,287
Unsecured loans71,89958,60051,20440,75126,99821,66718,447
Total debt2,50,6902,34,1971,85,8411,57,9061,14,8461,06,54694,735
Total liabilities3,16,3952,90,4782,34,4102,01,2131,40,7781,28,1141,12,740
Assets
Gross block5,5625,2305,1414,653831560576
Net block2,6352,9143,2873,327418437489
Capital work in progress0.000.000.0066.080.000.000.00
Investments14,78315,59910,6578,5656,8093,1982,798
Inventories0.000.000.000.000.000.000.00
Sundry debtors51.7850.8251.6317.005.358.9210.50
Cash & bank balances7,93821,3667,61115,81716,35516,4427,315
Loans & advances9,0314,7914,8562,1439847331,222
Total current assets17,02126,20812,51917,97817,34417,1848,547
Total current liabilities4,7603,3302,8672,4511,3281,6471,389
Net working capital12,26122,8779,65215,52716,01715,5377,158
Total assets3,16,3952,90,4782,34,4102,01,2131,40,7781,28,1141,12,740
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Opening cash10,6816,0139,50510,66211,0513,0891,029
Net cash from operating activities(12,981)(42,275)(27,670)(15,841)(8,859)(4,239)(2,464)
Net cash from investing activities(544)3,678(238)5,037(34.33)(24.88)(55.20)
Net cash from financing activities8,58543,26524,4169,6478,50512,2264,579
Net change in cash(4,940)4,668(3,492)(1,157)(388)7,9622,060
Closing cash7,93821,3667,61115,81716,35516,4427,315
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Growth
Sales growth+10.1%+25.0%+17.4%+54.7%+10.5%+5.2%-
EBITDA growth+11.8%+26.5%+17.9%+58.5%+7.6%+5.1%-
PBT growth+5.4%+30.2%+18.3%+130.6%+8.3%-4.7%-9.0%
Net income growth+30.9%+6.3%+20.2%+120.8%+8.9%-0.5%-
Revenue CAGR (3Y)+17.3%+31.4%+26.2%+21.6%+7.4%+9.3%+15.2%
EBITDA CAGR (3Y)+18.6%+33.2%+26.2%+21.5%+5.8%+7.3%+18.3%
Profitability & leverage
Net income margin+20.8%+22.3%+20.6%+20.1%+14.1%+14.3%+15.1%
Return on capital employed+11.5%+11.2%+11.3%+12.2%+9.9%+10.3%+10.9%
Return on net worth+16.4%+14.6%+15.7%+17.3%+11.4%+12.6%+14.8%
Debt / equity3.974.013.743.944.665.095.40
Long-term debt / equity3.913.923.653.884.595.005.18
Interest cover61.9959.5660.6260.6773.4673.5870.83
Efficiency & per share
Fixed asset turnover8.938.437.1510.8727.7130.7042.65
Inventory turnover0.000.000.000.000.000.000.00
Debtors turnover939.14853.751,019.892,666.932,701.361,795.721,746.66
EPS (₹)53.1451.91191.34159.69100.1098.29110.27
Dividend per share (₹)10.809.9045.0035.0020.0018.005.00
Book value per share (₹)349.21299.301,292.431,156.60958.61852.30793.60

Timeline of Shriram Finance

4 dated milestones of Shriram Finance across 46 years, from founding to its latest funding, stage changes and deals.

  1. Founded Shriram Finance is founded.
  2. IPO Lists on the stock exchange (IPO).
  3. Funding First funding round of $100.0M.
  4. Funding Latest funding round, Post-IPO, of $4.4B.

Competitors of Shriram Finance

Shriram Finance has 3 listed competitors in our database, 1 of them funded. They include IIFL Finance, L & T Finance Holdings and Kinara Capital.

Company NameDomainFoundedHQ LocationTotal fundingEmployeesDescription
IIFL Finance
iifl.com1995Mumbai, India16,076
Online gold, home, personal, and business loans are provided.
L & T Finance Holdings
ltfs.com1994Mumbai, India39,216
Diversified lending services are provided as a non-banking financial institution.
Kinara Capital
kinaracapital.com2011Bengaluru, India$116.69M1,580
Collateral-free loans are provided to MSMEs for business operations.
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Web traffic of Shriram Finance

The website of Shriram Finance (shriramfinance.in) receives about 2M visits a month and ranks #27,025 among all websites worldwide, #1,736 in Banking Credit and Lending.

  • Monthly visits
    2M

    ▲ 0.5% vs previous month

  • Unique visitors
    1.2M

    per month

  • Global rank
    #27,025

    among all websites

  • Category rank
    #1,736

    Finance · Banking Credit and Lending

Similar websites

Websites whose visitors overlap most with Shriram Finance. Affinity shows how closely the audiences match.

WebsiteDomainAudience affinityMonthly visitsGlobal rankProfile
Kotak Mahindra Bank
kotak.com
100%
4M#14,825View details
Home Credit
homecredit.co.in
99%
352K#64,779View details
Bajaj Finserv
bajajfinserv.in
98%
37M#1,529View details
Axis Bank
axisbank.com
96%
1.1M#41,837View details
State Bank of India
sbi.co.in
95%
1.5M#42,736View details
••••••••••••••••.com••%•.•M#•••••–
••••••••••••••••.com••%•.•M#•••••–
••••••••••••••••.com••%•.•M#•••••–
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All 40 similar websites and full traffic analytics for Shriram Finance

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  • Audience overlap
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Top companies in Consumer and SME Loans

3 companies that operate in the same segment as Shriram Finance (Consumer and SME Loans) in India, ranked by their profile score on The Company Check.

CompanyDescriptionFoundedLocationTotal fundingRevenueEmployees
Manappuram Finance
Consumer and SME loans are provided by Manappuram Finance.
1992Valapad, Kerala, IndiaUSD 39.98 MUSD 1.01 B51,650
HomeFirst Finance
Affordable home loans are extended to low and middle-income groups.
2010Mumbai, Maharashtra, IndiaUSD 209.7 MUSD 204.93 M1,634
L & T Finance Holdings
Diversified lending services are provided as a non-banking financial institution.
1994Mumbai, Maharashtra, IndiaUSD 1.9 B167
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Related news about Shriram Finance

Shriram Finance: JPMorgan on Shriram Finance Maintains Overweight, cuts Target Price to ₹1,095 from ₹1,215; Q2 NII/PPOP beat estimates by 3%/7%, but provisions rose 28% QoQ, credit costs reached 235bps and Stage 2+3 loans increased to 11.69%. Elevated credit costs may persist through Q3 and possibly Q4, putting the FY27 2% credit-cost target at risk due to localised agricultural stress and weak monsoons.
Exchange Update • 13 days ago
Shriram Finance: Citi on Shriram Finance Maintains Buy, cuts Target Price to ₹1,100; Q2 NIM expanded to 9.52% from 9.04%, supported by excess-liquidity deployment, but credit costs rose to 2.3%. AUM grew 17% YoY, led by gold, passenger vehicles, commercial vehicles and MSMEs; drought risks and crude-related pressures may keep credit costs elevated for 2–3 quarters, while FY27 AUM growth guidance was reduced to 15–17%.
Exchange Update • 13 days ago
Shriram Finance: MOSL on Shriram Finance Maintains Buy, Target Price ₹1,155; Q2 PAT rose 60% YoY to ₹36.8bn, while NII increased 40% to ₹84.1bn. Lower operating expenses helped reduce the cost-to-income ratio to 22.9%; management cut FY27 AUM growth guidance to 15–17% from 18% due to weak monsoons and West Asia uncertainty.
Exchange Update • 13 days ago
Shriram Finance: Cuts FY27 AUM Growth Target To 15-17% From Previous 18%
Exchange Update • 15 days ago
SHRIRAMFIN: Q2 SL NET PROFIT 37B RUPEES VS 23B (YOY); EST 37.07B
Exchange Update • 16 days ago
SHRIRAMFIN: Q2 REVENUE 138B RUPEES VS 119B (YOY)
Exchange Update • 16 days ago
SHRIRAMFIN: Q2 GROSS STAGE 3 AT 4.65% VS 4.64% (QOQ); Q2 NET STAGE 3 AT 2.31% VS 2.33% (QOQ)
Exchange Update • 16 days ago
Shriram Finance: Company's Unit Shriram Gilts Gets Approval From RBI To Launch Primary Dealer Operations.
Exchange Update • 23 days ago
MUFG eyes majority stake in India’s Shriram Finance
Retailbankerinternational • 25 days ago
Shriram Finance: Morgan Stanley on Shriram Finance Maintains Overweight, Target Price ₹1,340; expects the share price to rise over the next 15 days, viewing Shriram as among the most defensively positioned for a rate hike due to limited NIM/earnings impact, recent rating upgrades, significantly lower incremental borrowing costs, reduced leverage after the MUFG transaction, low floating-rate bank borrowings versus peers and among the lowest insurance commission exposure among NBFCs.
Exchange Update • 1 month ago
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Frequently Asked Questions about Shriram Finance

Shriram Finance was founded in 1979 and raised its 1st funding round 43 years after it was founded.

Shriram Finance is headquartered in Mumbai, India. It is registered at Mumbai, Maharashtra, India.

Yalamati Srinivasa Chakravarti is the CEO of Shriram Finance, as recorded in our data.

Shriram Finance has 79,870 employees.

The primary company behind Shriram Finance, Shriram Finance Limited, reported revenue of ₹48,193 Cr for FY 2026, up 10% year on year.

Shriram Finance was established in 1979 in Mumbai, India, within the financial services sector. Loans for consumers and small to medium enterprises are extended as primary offerings. Operations are conducted nationwide, supporting credit access for individuals and businesses. In 2022, revenues totaling 3.27 billion were achieved, with net profits recorded at 0.64 billion. The company is led by CEO Yalamati Srinivasa Chakravarti.

Shriram Finance's top competitors include L & T Finance Holdings, IIFL Finance and Kinara Capital.

Shriram Finance offers Fixed Deposit, Two Wheeler Loan, Personal Loan, Digital Gold, and Insurance Products.

Yes, Shriram Finance is publicly traded on NSE under the ticker symbol SHRIRAMFIN.

Shriram Finance has 2 investors. Key investors include Asian Development Bank, and MUFG Bank.

Shriram Finance is associated with 3 legal entities: Shriram Finance Limited, Shriram Financial Products Solutions (Chennai) Private Limited, Shriram City Union Finance Limited.

The legal entities of Shriram Finance currently have 25 directors, including Akhilesh Kumar Singh, Amit Sankar Gupta, Ramasubramanian Chandrasekar and others.

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