Shriram Finance Share Price, Stock Analysis & Company Profile

Shriram Finance Limited is India’s largest retail asset-based non-banking finance company and a dominant leader in the Finance NBFC sector. Formed through the landmark merger of Shriram Transport Finance Company and Shriram City Union Finance, the company has created a financial powerhouse with a massive presence in both rural and semi-urban India. Headquartered in Chennai, it serves millions of customers through a vast network of branches and a specialized workforce.

This page provides a comprehensive view for investors to monitor the Shriram Finance share price, conduct a detailed Shriram Finance stock analysis, and evaluate the company’s extensive lending portfolio across diverse asset classes.

About Shriram Finance Limited

Shriram Finance is part of the legendary Shriram Group, which has a legacy of over four decades in the Indian financial services industry. The company has successfully established itself as a one-stop destination for retail customers, specializing in commercial vehicle finance, two-wheeler loans, and MSME lending.

The merger completed in 2022 was a strategic move to create a multi-product NBFC, allowing the company to leverage cross-selling opportunities and optimize its borrowing costs. Today, Shriram Finance is a preferred partner for small entrepreneurs and truck operators, playing a vital role in India’s logistics and entrepreneurial ecosystem.

Shriram Finance Business Model

The company operates a high-touch, relationship-based business model that focuses on under-banked and unbanked segments. Key operational pillars include:

• Commercial Vehicle (CV) Finance: The largest vertical, providing loans for both pre-owned and new trucks, buses, and light commercial vehicles.

• MSME Lending: Supporting small business owners and entrepreneurs with tailored credit solutions to fuel their growth.

• Two-Wheeler & Passenger Vehicle Loans: Catering to personal mobility needs through a robust distribution network.

• Gold Loans & Personal Loans: Expanding its retail footprint by offering immediate liquidity solutions to individuals.

• Microfinance: Empowering women entrepreneurs and lower-income households through its subsidiary, Shriram Housing Finance.

• Diversified Liabilities: Maintaining a strong balance sheet by raising funds through retail deposits, NCDs, and international borrowings.

Shriram Finance IPO and Listing Details

Shriram Finance is a blue-chip constituent of the Nifty 50 index, representing the strength and scale of India’s non-banking financial landscape.

• Listing Year: The entity has been active on exchanges for decades (as Shriram Transport Finance).
• Listing Exchanges: NSE and BSE.
• Face Value: Rs 10 per share.
• ISIN: INE748C01038.
• NSE Symbol: SHRIRAMFIN.
• BSE Scrip Code: 511243.

Shriram Finance Corporate Action History

The company has a consistent track record of corporate actions aimed at rewarding shareholders and consolidating its capital structure.

Bonus Share History

The company has historically issued bonus shares to reward long-term investors, including a notable 1:1 bonus issue in the past to capitalize its reserves.

Dividend History

Shriram Finance is known for its steady and attractive dividend payout policy, reflecting its strong profitability and cash flows.

• FY 2024-25: Declared a final dividend of Rs 15.00 per share.

• FY 2023-24: Declared total dividends (interim + final) amounting to Rs 35.00 per share.

• Trend: The company consistently shares its surplus with investors, maintaining a healthy payout ratio despite its rapid asset growth.

Investor Resources Available on This Page

Retail investors can access several features in the respective tables on this page to conduct a professional Shriram Finance stock analysis:

• Price Chart: Track the multi-year performance and volatility of the Shriram Finance share price. (data delayed by 15 minutes)

• Company Ratios: Review essential NBFC metrics like Net Interest Margin (NIM), GNPA/NNPA ratios, and Capital Adequacy Ratio (CAR).

• Quarterly Results: Monitor AUM (Assets Under Management) growth and credit cost movements every quarter.

• Balance Sheet: Analyze the bank's massive borrowing profile and the quality of its loan book.

• Cash Flow Statement: Evaluate how efficiently the company manages its liquidity and interest payments.

• Shareholding & Promoters: Track the stake held by Shriram Capital and the significant interest from global institutional investors (FIIs).

• Pros & Cons: A simplified look at the company’s market leadership versus the risks of economic cycles.

• Annual Reports: Download official documents for deep dives into management’s strategy and economic outlook.

Want to filter out stocks using your own financial benchmarks? You can use the Stock Screener on Finology Ticker to identify and compare companies based on specific growth and efficiency metrics.

Frequently Asked Questions (FAQs)

Q1. What is the latest Shriram Finance share price?
The current price is displayed at the top of this page. Please note that all price data and charts are provided with a 15-minute delay from the exchanges.

Q2. Who are the promoters of Shriram Finance?
Shriram Finance is promoted by the Shriram Group, with Shriram Capital Private Limited being the key holding entity.

Q3. What was the impact of the Shriram merger?
The merger of Shriram Transport and Shriram City Union created India's largest retail NBFC, providing significant synergies in product distribution and funding costs.

Q4. Does Shriram Finance pay regular dividends?
Yes, the company has a consistent track record of paying regular interim and final dividends to its shareholders.

Q5. What are the key products of Shriram Finance?
The primary products include Commercial Vehicle Finance, MSME Loans, Two-Wheeler Loans, Gold Loans, and Personal Loans.

Q6. Where can I find Shriram Finance's quarterly financial results?
Detailed quarterly performance metrics, including Net Interest Income (NII) and AUM growth, are available in the "Quarterly Results" table on this page.

Q7. How can I download the Shriram Finance Annual Report?
You can access and download the latest as well as historical Annual Reports directly from the "Reports" or "Documents" section table provided on this page.