Shriram Finance Share Price

Shriram Finance Limited, based in Mumbai, is one among India’s foremost non-banking financial companies (NBFCs) offering a variety of financing solutions. The company specialises in retail asset financing, commercial vehicle loans, two-wheeler and used vehicle loans, personal loans, MSME financing, gold loans, and other secured and unsecured lending products in urban, semi-urban, and rural markets.  Shriram Finance share price on NSE and BSE reflects ho͏w investors perceive its performance and future prospects in the Indian financial services market.  

Shriram Finance stock price is influenced by loan growth, asset quality͏ trends, funding costs, net interest mar͏gin developments, interest rate ͏changes by the Reserve Bank ͏of India (RBI͏)͏, NPAs, broader credit demand. Further, operational performance, such as the growth in the assets under management (AUM) and profitability parameters also affect the stock price.  

Shriram Finance live share price data gives you the last traded price, bid-ask spreads, and trading volumes, which helps you get an overview of the current market activity. These live indicators help monitor short-term volatility and liquidity to display how the share price reacts to corporate announcements, macroeconomic news and sector developments that influence investor behaviour.  

Monitoring Shriram Finance share price today along with key lending trends and NBFC sector performance gives us a sense of how this stock price moves in relation to broader financial markets and credit cycles. Investors compare Shriram Finance’s performance with the sector indices and the benchmark averages to understand͏ its position within the financial services landscape.  

Shriram Finance Limited Company Fundamentals 

Shriram Finance Limited Company Background 

Shriram Finance Limited, part of the five-decade-old Shriram Group, is among India’s prominent retail non-banking financial companies (NBFCs), providing a variety of credit solutions including commercial vehicle loans, two-wheeler and car loans, home loans, gold loans, personal loans, and small business financing. In November 2022, the merger of Shriram Transport Finance Company Limited, Shriram City Union Finance Limited, and Shriram Capital Limited resulted in the formation of Shriram Finance Limited. As of September 30, 2025, the company operates through a network of 3,225 branches across India, serving 9.66 million customers, and managing assets worth ₹2.81 lakh crore. With a workforce of 78,833, the institution combines extensive rural outreach with a presence in urban centres, reflecting its focus on inclusive financial access. Shriram Finance employs advanced technology to cater to evolving banking needs, including those of Millennials and Gen Z, while prioritising services for unbanked and underbanked populations. Its product portfolio spans fixed deposits, investment plans, commercial and personal loans, and MSME finance. Over the years, the company has maintained a reputation for stable customer relationships and a consistent presence in India’s NBFC sector. 

Shriram Finance Limited Company Product Lines 

Fixed Deposits (FD) 

• FD Schemes (various amount-based schemes) 
• Digital FD / Fixed Investment Plan (various amount-based schemes) 

Loans 

• Personal Needs: 
  • Two-Wheeler Loan 
  • Personal Loan 
  • Used Car Loan 
• Business Needs 
• Green Finance 
  • Gold Loan 
  • Life-Coverage (Loan-related) 

Two-Wheeler Marketplace 

• Bikes 
• Scooters 
• EV Hub 
• Compare Bikes 

Payments 

• Loan & Financial: 
  • Pay Loan EMI 
  • FIP/RD Installment Pay 
  • Loan Repayment 
  • Recharges: 
  • Mobile Recharge 
  • Mobile Postpaid Bill Payment 
  • Landline Bill Payment 
  • DTH Recharge 
  • FASTag Recharge 
• Utilities & Bills: 
  • Electricity Bill Payment 
  • LPG Gas Booking 
  • Gas Bill Payment 
  • Broadband Bill Payment 
  • Water Bill Payment 
  • Cable TV Recharge 
• Financial Services & Taxes: 
  • Credit Card Bill Payment 
  • Insurance Premium Payment 
  • Municipal Services and Taxes Pay 
  • Recurring Deposit Payment 
• Other Payments: 
  • Hospital Bill Payment 
  • Housing Society Bill Payment 
  • Clubs and Associations Bill Payment 
  • Education Fees Pay 
  • BBPS (Bharat Bill Payment System) 
  • UPI 

Insurance 

• General Insurance: 
  • Motor Insurance 
  • Non-Motor Insurance 
• Life Insurance 
• Motor Insurance Sub-types: 
  • Four Wheeler Insurance 
  • Two Wheeler Insurance 
  • Passenger Carrying Commercial Vehicle (PCCV) Insurance 
  • Goods Carrying Commercial Vehicle Insurance 
• Non-Motor Insurance Sub-types: 
  • Personal Accident Insurance 
  • Shri Criti Care Insurance 
  • Home Insurance 
• Rewards 
• Calculators (various financial calculators) 

Shriram Finance Limited Company Revenue Model 

Interest Income from Loans and Advances 

• Shriram Finance earns the majority of its revenue from interest charged on loans given to retail and commercial customers (e.g., commercial vehicles, passenger vehicles, MSME loans, twowheelers, farm equipment, gold loans, personal loans). Interest income contributed the largest share of total revenue from operations in FY 2024–25. 

Fees and Commission Income 

• The company earns fee income from various loan processing fees, customer service charges, and other financerelated fees on products and services. 

Net Gains on Fair Value Changes 

• Income arising from mark-to-market or valuation changes on financial instruments held for trading/valuation purposes. 

Net Gains on Derecognition of Financial Instruments 

Gains from derecognition under the amortised cost category (e.g., early prepayments or sale of financial assets) contribute to other operating revenue. 

Other Operating Income 

• This includes miscellaneous operational income such as documentation charges and service-related earnings. 

 Dividend Income 

• Dividend received on investments held by the company (though relatively small compared with interest income). 

Other NonInterest Income 

• Includes other income items not part of core operations (e.g., miscellaneous and interest on deposits/placements) 

Shriram Finance Limited Geographic Presence 

• Operates a pan-India branch network with 3,220+ branches as of March 31, 2025.  
• Strong presence in Tamil Nadu (largest share of branches).  
• Andhra Pradesh — significant branch footprint.  
• Telangana — major branch presence reflecting focus on MSME and vehicle finance.  
• Karnataka — substantial network coverage.  
• Maharashtra — key geographic market.  
• Uttar Pradesh — extensive branch distribution.  
• Gujarat, Rajasthan, Punjab, and Haryana — established regional networks.  
• Bihar, Odisha, Jharkhand, West Bengal — notable presence across eastern India.  
• Kerala and Himachal Pradesh — branch coverage in southern and northern regions respectively.  
• Smaller states and union territories like Andaman & Nicobar Islands, Chandigarh, Dadra & Nagar Haveli, Sikkim, Tripura, Jammu & Kashmir, Uttarakhand also have branch representation.  
• Focus on rural and semiurban markets with a major proportion of branches located outside major cities, showing deep penetration into underserved regions 

Shriram Finance Limited Leadership  

Some of the key leaders of Shriram Finance Limited as of January 2025 are: 

• Mr. Jugal Kishore Mohapatra – Chairman, Independent Director 
• Mr. Umesh Govind Revankar – Executive Vice Chairman 
• Mr. Parag Sharma – Managing Director & Chief Executive Officer 
• Mr. Sunder Subramanian (S. Sundar) – Joint Managing Director & Chief Financial Officer 
• Mr. Pradeep Kumar Panja – Independent Director 
• Mr. S. Ravindran – Independent Director 
• Mrs. M. V. Bhanumathi – Independent Director 
• Mr. Gokul Dixit – Independent Director 
• Mr. D. V. Ravi – Non-Executive and Non-Independent Director 
• Mr. Ignatius Michael Viljoen – Non-Executive and Non-Independent Director 

Shriram Finance Limited Key Milestones 

CRISIL upgraded long-term debt, bank facilities, and FDs to ‘CRISIL AA+/FAAA/Stable’. 

• 2015-16 
  • Assets Under Management (AUM) crossed Rs. 500 billion. 
• 2013 
  • Introduced SAMIL, a dedicated platform for fair-value trading of pre-owned trucks. 
• 2011 
  • Successfully raised Rs. 5.84 billion through a Qualified Institutional Placement (QIP). 
  • Securitised Rs. 87.57 billion during FY 2010. 
  • STFC tied up with Citicorp for Commercial Vehicle (CV) financing under Portfolio Management Services (PMS). 
• 1999 
  • Investment from Telco & Ashok Leyland in STFC. 
• 1990 
  • Initial Public Offering (IPO) of STFC. 
• 1984 
  • Establishment of Shriram Transport Finance Company Limited (STFC). 
• 1979 
  • Completed the first securitisation transaction. 
• 2010 
  • Initiated financing of construction equipment. 
  • FITCH upgraded long-term issuer ratings to ‘IND AA+’. 
  • Merger of Shriram Equipment Finance Company Limited (SEFCL) with STFC. 
• 2016-17 
  • Successfully raised Rs. 13.5 billion through the issuance of ’Masala Bonds’ listed on the Singapore Stock Exchange. 
• 2017-18 
  • Successfully raised Rs. 11.6 billion through another issuance of ’Masala Bonds’. 
• 2018-19 
  • AUM crossed Rs. 1 Trillion. 
• 2022-23 
  • Merger of Shriram City Union Finance (SCUF) and Shriram Capital Limited (SCL) with STFC, effective April 1, 2022 (completed November 2022). 
  • SCUF’s business included financing SMEs, two-wheelers, pre-owned cars, commercial vehicles, and loans against gold. 
  • SCUF’s AUM stood at Rs. 361.17 billion as of September 30, 2022. 
  • STFC was renamed as Shriram Finance Limited (SFL). 
• 2024 
  • Launched the Fixed Investment Plan, combining fixed returns with flexible monthly savings. 
  • AUM exceeded Rs. 2 Trillion. 
  • Completed the highest single tranche of securitisation amounting to Rs. 29 billion on March 26, 2024. 
  • Added to the Nifty50 index, reflecting high average free-float market capitalisation. 

Industry Perspective 

The NonBanking Financial Company (NBFC) sector in India plays a key role in credit delivery, especially for retail borrowers, MSMEs, and segments underserved by traditional banks. NBFC credit to GDP increased to about 26% in FY 2025, up from ~16% in FY 2019, showing faster credit growth than banks.  NBFCs’ AUM and balance sheets have expanded substantially; total NBFC balance sheet size reached around ₹61 lakh crore by March 2025, rising further in the current fiscal year.   

Over the past few years, NBFCs showed strong credit growth, with credit volumes growing at roughly 12–14% CAGR in the years up to FY 2024 and projections indicating continued expansion. The industry’s retail credit market (including auto, housing, personal loans) has grown at about 15.1% CAGR since FY 2019, with expectations of sustained doubledigit growth through FY 2028. Within segments like commercial vehicle finance, NBFCs captured the majority market share (~63.7%) in 2024 and are projected to grow at over 11% CAGR through 2030. Asset growth in FY 25 and FY 26 is expected to moderate to 15–17% annually, but still remain above longterm averages, supported by structural demand and credit expansion across retail and MSME sectors.  

Shriram Finance is wellpositioned to benefit from the NBFC industry’s strong growth trajectory and rising credit penetration in India. Its diversified lending portfolio across commercial vehicles, MSMEs, consumer and retail segments allows it to capture demand where traditional bank credit is limited. With deep rural and urban reach and an expanding digital footprint, Shriram Finance can leverage industry momentum to grow its assets, customer base, and market share 

Shriram Finance Limited Stock Market Presence: Listings & Index Representation  

Shriram Finance Limited listed on the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE) , following its corporate structuring as a publicly traded entity. The company’s presence on these major Indian stock exchanges facilitates active trading and price discovery for investors across domestic and international markets.  

The stock trades under the ticker SHRIRAMFIN on the NSE and corresponding codes on the BSE, giving both retail and institutional investors access to Shriram Finance equity. Its listing on leading Indian exchanges supports market participation and liquidity, important factors in how the company’s stock price reflects investor views on credit demand and financial performance.  

Shriram Finance is a component of key broadbased indices, including the Nifty 50, Nifty 100, Nifty 200, Nifty 500, Nifty Services Sector, and Nifty Financial Services indexes, as well as the BSE100, BSE200, and BSE500 indices, illustrating its relevance within wider market benchmarks.  

Inclusion in such indices underscores Shriram Finance’s market capitalisation and significance in India’s financial markets. Index representation ensures that the stock price draws attention from passive funds, benchmark trackers, and a diverse range of institutional strategies that reference these indices.  

Listing on NSE and BSE ensures continuous trading and provides market participants with consistent access to Shriram Finance share price data, while index inclusion reflects its relative weight in financial and broad market indices 

Shriram Finance Limited Stock Performance and Share Price History 

The Shriram Finance share price on NSE and BSE reflects its position as a prominent NBFC supported by strong credit demand, diversified loan portfolios, and consistent profitability. Investors often view price trends as a signal of how effectively the company converts lending growth into sustainable financial performance. Market valuation responds to the balance between expansion and risk management across lending segments. 

Historical performance highlights how operational drivers have shaped the Shriram Finance stock price over time. Growth in vehicle financing and MSME loans, combined with healthy net interest margins and disciplined credit practices, has played a central role in influencing long-term price behaviour. These factors continue to support confidence in earnings stability. 

The NBFC’s underlying performance often becomes visible through real market trends across different periods. Movements in the Shriram Finance share price frequently correlate with earnings announcements, loan growth updates, and portfolio expansion data. At the same time, sector-wide influences such as interest rate changes and funding cost variations affect trading behaviour and valuation expectations. 

Short- to medium-term changes in the Shriram Finance stock price are also shaped by broader financial conditions. Shifts in liquidity, borrowing costs, and investor sentiment toward NBFCs tend to amplify reactions during volatile market phases, even when core fundamentals remain stable. 

Looking beyond daily fluctuations, analysing 52-week ranges provides deeper insight into the Shriram Finance share price. Significant variation between annual highs and lows reflects evolving economic conditions, changing credit demand, and shifts in overall market sentiment within the NBFC sector. 

These longer-range movements in the Shriram Finance stock price often indicate how markets reassess growth visibility during different stages of the economic cycle. Periods of expansion typically support higher valuation levels, while uncertainty leads to consolidation rather than sharp corrections. 

Over extended horizons, the Shriram Finance share price has shown sustained phases of appreciation followed by orderly consolidation. Strong credit demand and improving profitability have historically driven upward momentum, while broader market corrections and sector-specific pressures contributed to temporary moderation in price movement. 

Performance metrics further reinforce trends seen in the Shriram Finance stock price across multiple timeframes. For instance, a 1-year return of approximately 82.05% exceeded benchmarks such as the Nifty 50 and Sensex, demonstrating how operational strength can translate into superior market outcomes. 

Longer-term records reveal that the Shriram Finance share price has benefited from multiyear growth cycles. Three-year gains of around 291.08% and five-year returns near 313.2% reflect sustained credit expansion, rising net profits, and increasing investor confidence in core lending operations. 

Seasonality patterns also influence the Shriram Finance stock price, with certain quarters showing stronger momentum due to higher loan demand. These phases are often followed by consolidation as markets absorb growth and reassess future earnings trajectories. 

Macroeconomic policies and interest rate decisions play a role in shaping the Shriram Finance share price over time. Actions by institutions such as the RBI affect credit availability, borrowing costs, and funding environments, all of which influence lending margins and valuation expectations. 

Correspondingly, adjustments in the Shriram Finance stock price often align with changes in credit pricing and cost structures. Variations in funding conditions can alter margin outlooks, leading markets to recalibrate price levels even without immediate shifts in loan volumes. 

Despite periods of economic slowdown, the Shriram Finance share price has demonstrated resilience. Operational adaptability, diversified loan exposure, and recovering credit demand have helped limit downside pressure during challenging conditions. 

Even amid rising funding costs or tighter credit environments, movements in the Shriram Finance stock price suggest that strong risk management practices have mitigated extreme volatility. This balance between growth and stability continues to support long-term market confidence 

Shriram Finance Limited Investor Relevance and Portfolio Role 

Shriram Finance plays an important role as a core holding within NBFC focused and financial services portfolios, offering exposure to diversified lending products including commercial vehicle financing, MSME loans, gold loans, and consumer credit. The company’s presence in broad stock market indices like Nifty Financial Services ensures it remains relevant for investors seeking representation in the financial sector.  

Institutional investors hold significant stakes in Shriram Finance, with major holders including Shriram Capital Private Limited, Shriram Value Services Limited, Singapore based institutional entities, BlackRock, Kotak Mahindra Asset Management Company, NPS Trust, SBI Funds Management, Norges Bank Investment Management, Life Insurance Corporation of India, and Capital Research and Management Company.  

Mutual fund participation also enriches the shareholder base through schemes such as Government Pension Fund Global, SBI Mutual Fund’s SBIETF Nifty 50, Fidelity Investment Trust’s Emerging Markets Opportunities Fund, Vanguard STAR Funds, Kotak Funds’ India Midcap Fund, Vanguard FTSE Emerging Markets ETF, JPMorgan Trust’s Emerging Markets Equity Fund, and iShares Core MSCI Emerging Markets ETF.  

Derivatives market activity, including open interest trends and technical indicators like RSI, MACD, and moving averages, provides additional insight into shortterm shifts in Shriram Finance stock price expectations. Such indicators reflect prevailing sentiment around earnings releases, credit growth forecasts, and sector news that influence trading decisions.  

The beta and volatility profile of Shriram Finance illustrates its relative sensitivity to broader market movements. Longterm beta stands around 1.13, with onemonth, threemonth, and longer period ranges indicating responsiveness to market dynamics and economic cycles, offering context on risk relative to benchmarks 

Shriram Finance Limited Sectoral Relevance and Peer Positioning 

Shriram Finance sector relevance stems from its role as a major NBFC focused on diversified lending, including vehicle finance, MSME credit, consumer loans, and secured products. Its operations support credit demand across urban, semiurban, and rural markets, positioning it as a key player in India’s financial ecosystem beyond banks and large finance houses. Comparisons with peers such as Bajaj Finance, Jio Financial Services, Bajaj Holdings & Investment, Cholamandalam Investment and Finance Company, Muthoot Finance, SBI Cards and Payment Services, and Sundaram Finance highlight differences in loan mix, scale, and credit focus rather than shortterm stock moves. Sector tracking emphasises credit growth, asset quality, and funding costs as core operational benchmarks. 

Shriram Finance P/E ratio illustrates how the market values Shriram Finance’s earnings relative to its peers. For the period ending March 2025, Shriram Finance Ltd. recorded a P/E of 12.91, reflecting earnings priced against its stock market valuation. This figure rose by 436.94 % over the preceding year and surpassed the average fiveyear P/E of 4.38. Historical P/E values include a low of 1.57 in March 2023 and higher P/E readings in recent periods, showing wide fluctuations tied to earnings and market sentiment within equipment leasing and credit sectors. 

Shriram Finance EPS (Earnings per Share) trends further demonstrate operational performance over time. Shriram Finance’s latest consolidated EPS stood at ₹39.20 for March 2025, up from ₹32.11 in March 2024 and ₹20.12 in March 2023. EPS experienced varied yearonyear changes, with a 22.08 % rise in 2025 and a 59.59 % increase in 2024. Earlier years showed smaller changes, highlighting how earnings growth aligns with credit demand and net profitability. The EPS history reflects cyclical shifts in financial performance amid changing economic conditions. 

Shriram Finance market cap underscores the company’s scale within the NBFC landscape and broader financial markets. As of January 16, 2026, Shriram Finance’s market cap stood around ₹1.87 trillion. Yearend figures show ₹1.87 trillion on December 31, 2025, ₹1.09 trillion on December 31, 2024, ₹770.80 billion on December 29, 2023, ₹516.63 billion on December 30, 2022, and ₹329.30 billion on December 31, 2021. These values illustrate growth over time, signalling expanded investor recognition and relative position among financial services peers. 

Shriram earnings history shows consistent expansion in revenues and profitability over recent annual periods. Shriram Finance’s revenues grew by 14.72 % year on year to ₹34,964 crore in March 2025, up from ₹30,477 crore in March 2024 and ₹19,255 crore in March 2023. Operating income and profit after tax increased alongside the loan book, while net interest and operating margins remained key performance drivers. This earnings trajectory highlights how credit expansion, disciplined asset quality, and diversified product mix contribute to sustained sector performance and competitive positioning. 

Summary 

Shriram Finance has established itself as a leading NBFC with a diversified loan portfolio, extensive branch network, and consistent revenue growth. Its focus on vehicle finance, MSME loans, and retail credit positions the company strongly across urban, semi-urban, and rural markets. Operational discipline, asset quality management, and strategic expansions have reinforced investor confidence. Monitoring the Shriram Finance share price provides insight into market perceptions of its performance and future prospects. Overall, the company remains a key player in India’s financial services sector.