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Home CompaniesShriram Finance Limited

Shriram Finance Limited

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
963.9 INR 55.15 ( 6.07%)
Last update at 2026-11-05T09:45:00Z
VOLUME
11074187
Market Cap
1850037.37M
P/E
18.81

Momentum Score

…

Shriram Finance Limited, a non-banking finance company, provides financing services in India. It offers fixed and recurring deposits; commercial vehicle loans for commercial goods vehicles, passenger commercial vehicles, tractors and farm equipment, and construction equipment; two-wheeler, gold, used car loan, and personal loans; and green finance services. The company also provides business loans, such as MSME loans; working capital loans, including tyre, tax, fuel, toll financing, repair/top-up loans, fuel finance, and challan discounting; motor insurance, including four-wheeler, two-wheeler, passenger and goods carrying vehicle insurance products; non motor insurance products, such as personal accident, shri criti care, and home insurance; and life insurance products comprising savings, retirement, child, protection plans, as well as recharges, including mobile recharge, mobile postpaid, landline postpaid, DTH, and FASTag recharge services. In addition, it offers utilities and bills payment services, such as electricity, LPG gas, gas, broadband postpaid, water, and cable tv; financial services and taxes comprising credit card, loan repayment, insurance, municipal services, and recurring deposit; and other services, such as hospital and pathology, housing society, clubs and associations, and education fees. It serves first time buyers, small road transport operators, individuals, micro, small, and medium enterprises (MSMEs), salaried professionals, and self-employed individuals. The company was formerly known as Shriram Transport Finance Company Limited and changed its name to Shriram Finance Limited in November 2022. Shriram Finance Limited was incorporated in 1979 and is based in Mumbai, India.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
940.00
Low
974.70
High
52 Week Price Range
485.90
Low
1025.60
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
908.75
Dividend Yield
1.03%
Revenue TTM
189386.00M
Revenue Per Share
100.72
Gross Profit TTM
181676.61M
Debt / Equity
3.15
ROE
17.32%
Net Debt
1567455.20M
ROCE
5.28%
Diluted EPS TTM
52.28

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Income before tax 125029.10M 96836.40M 82137.20M 35492.50M 32780.10M
Minority interest -225.00M -325.10M - 0.00M 0.00M
Net income 95538.20M 73663.80M 60200.30M 27211.00M 24988.30M
Selling general administrative 2469.20M 1840.00M 2189.40M 1127.30M 1123.90M
Selling and marketing expenses 4890.80M 3213.10M 2218.10M 1004.70M 613.10M
Gross profit 221882.00M 190834.00M 168618.10M 92921.00M 81774.80M
Reconciled depreciation 6453.20M 5876.00M - 1353.70M 1373.60M
Ebit 125029.10M 96836.40M 82222.80M 132967.30M 32895.80M
Ebitda 131482.30M 102524.70M 88229.70M 134321.00M 34269.40M
Depreciation and amortization 6453.20M 5688.30M 6006.90M 1353.70M 1373.60M
Operating income 125029.10M 96836.40M 82222.80M 132967.30M 32895.80M
Other operating expenses 281398.70M 242023.60M 48369.40M 19484.20M 18717.90M
Interest expense 184545.80M 148026.00M 129312.70M 97343.10M 90542.60M
Tax provision 30796.00M 25690.60M 22022.50M 8413.20M 7907.50M
Interest income 403076.40M 347071.50M 350.60M 186464.10M 171298.80M
Net interest income 218530.60M 191853.90M - 89121.00M 80756.20M
Extraordinary items 1407.00M 2006.30M - - 0.00M
Income tax expense 30796.00M 24931.60M 22022.50M 8413.20M 7907.50M
Total revenue 406427.80M 338860.00M 168618.10M 92921.00M 81774.80M
Total operating expenses 96852.90M 93997.60M 48369.40M 19484.20M 18717.90M
Cost of revenue 184545.80M 148026.00M 131945.70M 97940.80M 91010.90M
Total other income expense net -127795.80M -333.30M -85.60M -97474.80M -115.70M
Net income from continuing ops 94356.20M 73988.90M - 27211.00M 24988.30M
Net income applicable to common shares 95538.20M 73663.80M 60110.40M 27211.00M 24988.30M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Total assets 2937221.60M 2482659.40M 2106001.50M 1422681.60M 1298277.80M
Intangible assets 6989.50M 10348.70M 12845.40M 30.40M 23.90M
Other current assets 324.90M 460.00M - - -
Total liab 2372523.40M 1985892.50M 1668006.10M 1161739.00M 1081104.90M
Total stockholder equity 564698.20M 489471.70M 435128.60M 260942.60M 217172.90M
Other current liab -507921.20M -526533.00M -3131.90M -1660.30M -2555.10M
Common stock 3760.80M 3757.90M 3744.30M 2705.20M 2530.60M
Capital stock 3760.80M 3757.90M - 2705.20M 2530.60M
Retained earnings 242421.40M 192797.30M 156999.50M 123554.70M 105325.10M
Good will 11894.50M 17409.40M 17409.40M 17409.40M -
Other assets 2937908.90M -155234.80M 1877770.90M 1231836.20M 1142044.80M
Cash 197788.80M 111728.00M 104903.60M 112880.50M 114493.90M
Cash and equivalents 104601.20M 59969.60M 97745.40M 105618.30M 109651.60M
Total current liabilities 567317.70M 8661.30M 3131.90M 1660.30M 2555.10M
Current deferred revenue - -1508065.10M - - -
Net debt 1567455.20M 1398796.20M 1181982.50M 816312.80M 789161.50M
Short term debt 504478.30M 530126.20M 361968.20M 219791.00M 162896.80M
Short long term debt total 1781112.60M 1510524.20M 1286886.10M 929193.30M 903655.40M
Other stockholder equity 318516.00M 175572.00M 274384.80M 134682.70M 109317.20M
Property plant equipment 10256.80M 9410.70M 7514.90M 4130.80M 4329.50M
Total current assets 200651.70M 116109.60M 109456.80M 114957.90M 116698.60M
Long term investments 193460.10M 100948.80M - 71726.30M 35180.90M
Short term investments 90312.30M 63.80M - - -
Net receivables 2538.00M 3921.60M 4553.20M 2077.40M 2204.70M
Long term debt 1278111.50M 981973.20M 756301.90M 604896.10M 571894.40M
Accounts payable 3442.90M 2690.20M 3131.90M 1660.30M 2555.10M
Accumulated other comprehensive income 560937.40M 117344.00M - - -
Non currrent assets other 248964.40M 257435.90M -118773.80M -75887.50M -39534.40M
Non current assets total 2736569.90M 2521784.60M 118773.80M 75887.50M 39534.40M
Long term debt total 1283918.70M 988966.70M 761448.70M 607641.10M 574646.40M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Investments 36612.10M -2582.10M - -343.30M -248.90M
Total cashflows from investing activities 36612.10M -2582.10M -1930.40M -343.30M -248.90M
Net borrowings 343513.20M 183738.60M - - -
Total cash from financing activities 445210.90M 276091.20M 118195.10M 85048.60M 122255.90M
Net income 94131.20M 73663.80M 82137.20M 35492.50M 32780.10M
Change in cash 44990.40M -37504.80M -7296.00M -3884.90M 79619.40M
Begin period cash flow 61823.60M 99328.40M 106624.40M 110509.30M 30889.90M
End period cash flow 106814.00M 61823.60M 99328.40M 106624.40M 110509.30M
Total cash from operating activities -436832.60M -311013.90M -176252.50M -88590.20M -42387.60M
Issuance of capital stock 55.00M 304.60M - 24785.70M 14726.40M
Depreciation 6453.20M 5876.00M 6006.90M 1353.70M 1373.60M
Other cashflows from investing activities -479.30M -728.00M 35.50M 14.20M 9.30M
Dividends paid 18593.00M 18750.70M -5628.00M -8518.10M -1525.90M
Change to account receivables 1895.30M 1680.30M - - -
Sale purchase of stock 55.00M 264.20M 746729.60M 24785.70M 490088.60M
Other cashflows from financing activities 120235.70M 78579.90M 63129.10M 634118.80M 47963.40M
Capital expenditures 2235.90M 2654.90M 1965.90M 357.50M 258.20M
Change in working capital -578996.70M -425721.70M -270605.10M -163741.80M -126433.40M
Stock based compensation 2.60M 104.70M 1680.30M 1680.30M -
Other non cash items 41577.10M 35063.30M 1907.90M 38305.40M 49892.10M
Free cash flow -439068.50M -313668.80M -178218.40M -88947.70M -42645.80M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(INR)
Price
(INR)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
SHRIRAMFIN
Shriram Finance Limited		 55.15
6.07%		 963.90 18.81 7.62 9.77 3.09 15.18
BAJFINANCE
Bajaj Finance Limited		 75.90
7.64%		 1069.90 33.00 39.37 14.86 5.83 20.06
IRFC
Indian Railway Finance Corporation Limited		 2.11
2.71%		 79.95 23.86 - 23.26 2.96 20.79
MUTHOOTFIN
Muthoot Finance Limited		 129.80
4.79%		 2839.60 21.11 14.01 10.41 4.84 17.95
CHOLAFIN
Cholamandalam Investment and Finance Company Limited		 102.00
6.15%		 1760.00 31.88 21.28 12.48 5.81 22.46

Profile*

Shriram Finance Limited

Shriram Finance Limited, a non-banking finance company, provides financing services in India. It offers fixed and recurring deposits; commercial vehicle loans for commercial goods vehicles, passenger commercial vehicles, tractors and farm equipment, and construction equipment; two-wheeler, gold, used car loan, and personal loans; and green finance services. The company also provides business loans, such as MSME loans; working capital loans, including tyre, tax, fuel, toll financing, repair/top-up loans, fuel finance, and challan discounting; motor insurance, including four-wheeler, two-wheeler, passenger and goods carrying vehicle insurance products; non motor insurance products, such as personal accident, shri criti care, and home insurance; and life insurance products comprising savings, retirement, child, protection plans, as well as recharges, including mobile recharge, mobile postpaid, landline postpaid, DTH, and FASTag recharge services. In addition, it offers utilities and bills payment services, such as electricity, LPG gas, gas, broadband postpaid, water, and cable tv; financial services and taxes comprising credit card, loan repayment, insurance, municipal services, and recurring deposit; and other services, such as hospital and pathology, housing society, clubs and associations, and education fees. It serves first time buyers, small road transport operators, individuals, micro, small, and medium enterprises (MSMEs), salaried professionals, and self-employed individuals. The company was formerly known as Shriram Transport Finance Company Limited and changed its name to Shriram Finance Limited in November 2022. Shriram Finance Limited was incorporated in 1979 and is based in Mumbai, India.

Wockhardt Towers, Mumbai, India, 400051

91 22 4095 9595

https://shriramfinance.in

78833

Name Title Year Born
Mr. Yalamati Srinivasa Chakravarti B.Com. MD, CEO & Director 1963
Mr. Umesh Govind Revankar Executive Vice Chairman 1964
Mr. Parag Sharma MD, CFO & Whole-Time Director 1969
Mr. Sanjay K. Mundra Executive Director of Investor Relations NA
Mr. Ramasubramanian Chandrasekar B.Com., ICWA Joint MD & Chief Compliance Officer 1963
Mr. S. Sunder Joint Managing Director NA
Mr. Hardeep Singh Tur Chief Risk Officer NA
Mr. Abhilash Tewari Head of Internal Audit NA
Mr. Balasundararao Uppu Company Secretary & Compliance officer NA
Mr. Parag Sharma MD, CEO & Whole-Time Director 1969

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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