Shriram Finance share price
NSE: SHRIRAMFINBSE: 511218FinanceLarge Cap
Share price at the NSE close on 29 Oct 2026. Previous close ₹832.55.
29 Oct: open ₹826.35, high ₹843.00, low ₹820.80
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹1,97,915 Cr42nd largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 15.60
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 1.78
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 1.49%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 14.7%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Net interest margin in the glossary
- 9.00%
- Cost of fundsCost of funds. Interest paid ÷ the average of what the company pays interest on × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Cost of funds in the glossary
- 8.88%
- Credit costCredit cost. What was set aside for loans that may not be repaid ÷ average loans given × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Credit cost in the glossary
- 2.02%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. Return on assets in the glossary
- 3.26%
- LeverageAssets per rupee of net worth. Average total assets ÷ average net worth: rupees of assets for each rupee of net worth; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Assets per rupee of net worth in the glossary
- 5.03times net worth
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 49,44,63354.1% delivered
About Shriram Finance
Shriram Finance Limited is a non-banking financial company, a lender regulated by the Reserve Bank of India that is not a bank.1 It lends to small road transport operators, first-time buyers of commercial vehicles, small businesses, low-income groups and women, particularly in semi-urban and rural India.2 Its loans cover commercial vehicles, passenger vehicles, two-wheelers, construction and farm equipment, small businesses (MSMEs), gold, personal loans and working capital.3
It also takes deposits from the public, and it reports all its business as a single segment, financing, in India alone.14 Its registered office is in Chennai and its corporate office in Mumbai.5 It holds 44.56% of Shriram Automall India Limited, which runs auctions of used vehicles, equipment, gold and property.67
It was incorporated in 1979 and first offered its shares to the public in 1984.8 In the year to Mar 2023, Shriram City Union Finance Limited and Shriram Capital Limited were merged into the company, which then took its present name.9 In the year to Mar 2025 it sold its housing finance subsidiary, Shriram Housing Finance Limited, now Truhome Finance Limited, to Warburg Pincus for ₹3,929 crore.1011
It is part of the Shriram group, which also works in consumer finance, life and general insurance, stock broking and distribution.12 Its promoter group, which includes Shriram Capital Private Limited and Shriram Value Services Limited, held 20.30% of its shares at the end of June 2026, against 25.39% a year earlier, as the number of its shares rose from 1,880.6 million to 2,352.9 million.1314
Shriram Finance key points
Results
- Consolidated total revenue from operations was ₹13,400.43 crore in the quarter to Jun 2026, against ₹11,536.32 crore a year earlier, and ₹48,132.95 crore in the year to Mar 2026.15
- Consolidated net profit was ₹3,452.77 crore in the quarter to Jun 2026, against ₹2,159.39 crore a year earlier, and ₹10,024.15 crore in the year to Mar 2026.15
- On a standalone basis, net interest income (interest earned on loans minus interest paid on borrowings) rose 33.67% to ₹8,055.70 crore in the quarter to Jun 2026, from ₹6,026.43 crore a year earlier.16
- The net interest margin (net interest income as a share of the assets that earn it) was 9.04% in the quarter to Jun 2026, against 8.11% a year earlier.17
Loan book and deposits
- Assets under management (all the loans it manages, including those sold on to other lenders that it still services) were ₹3,13,798.39 crore at the end of June 2026, up 15.26% from ₹2,72,249.01 crore a year earlier.18
- Loans for used commercial vehicles, construction equipment, tractors and farm equipment made up 74.86% of the lending portfolio at the end of March 2026.19
- Gross stage 3 loans (loans the company counts as in default) were 4.64% of loans at the end of June 2026, and net stage 3 loans, after the provisions set aside for them, were 2.33%.20
Branches and reach
- The company had 3,225 branches, 78,902 employees and 103.01 lakh customers at the end of June 2026.21
- At the end of March 2026 Shriram Finance also ran 535 rural centres, and its branches spanned 31 states and union territories.2223
- On its earnings call of 24 Jul 2026, the company said it plans to add around 150 branches, a tentative figure, and to take on more staff.24
Funding and capital
- The capital adequacy ratio (capital held against risk-weighted loans, with a regulatory minimum of 15%) was 34.1% at the end of June 2026, against 20.40% at the end of March 2026.2526
- On a standalone basis, its debt was 2.14 times its equity at the end of June 2026, after its capital raise, against 3.82 times at the end of March 2026.2728
- The average cost of its borrowings fell to 8.56% from 8.59% in the quarter to Jun 2026, and the cost of its new borrowing was 7.77%.29
- It raised ₹27,952.65 crore from fixed deposits in the year to Mar 2026, against ₹23,317.82 crore a year earlier.26
What the company expects
- On its earnings call of 24 Jul 2026, the company said its earlier guidance of 18% growth in its overall book still holds, unless it revises it after the quarter to Sep 2026.3031
- On its earnings call of 24 Jul 2026, the company said it expects gold loans to grow from around 2.5% of its book to around 5% within 3 years, and, undated, MSME (small business) loans from around 15% to around 20% of its book.3233
- On its earnings call of 24 Jul 2026, the company said it expects new-vehicle loans to reach around 30% of its book or more, and the net interest margin to come down to around 8.5%, over a medium term of 2 to 3 years.3435
- The company stated in its annual report for the year to Mar 2026 that it targets a three-year cut of about 100 basis points (hundredths of a percentage point) in borrowing costs, and a long-term return on assets (profit over assets) of about 3.6%.36
Recent events
- On 15 Oct 2026 its wholly owned subsidiary Shriram Overseas Investments Limited was renamed Shriram Gilts Limited, after the Reserve Bank of India gave it approval in principle on 15 Apr 2026 to start a primary dealer business (buying and underwriting government securities).37
- On 21 Jul 2026 the company paid a final dividend of ₹6 per share, bringing its total dividend for the year to Mar 2026 to ₹10.80 per share.38
- After MUFG Bank's investment, its credit ratings (grades of repayment risk) were raised: CRISIL to AAA/Stable, as the company reported on 10 Apr 2026; Fitch to BBB- on 14 Apr 2026; Moody's to Baa3 from Ba1 on 8 May 2026.394041
- On 8 Apr 2026 the company allotted 47,11,21,055 new shares to MUFG Bank Ltd at ₹840.93 each, raising ₹39,617.98 crore, for a 20% stake on a fully diluted basis (counting all shares that could be issued).42
Last updated
All 44 sources, each with its page
- 1. Annual report, 17 Jun 2026, page 51
- 2. Annual report, 17 Jun 2026, page 83
- 3. Annual report, 17 Jun 2026, page 41
- 4. Investor presentation, 24 Jul 2026, page 8
- 5. Annual report, 17 Jun 2026, page 7
- 6. Investor presentation, 24 Jul 2026, page 17
- 7. Annual report, 17 Jun 2026, page 51
- 8. Annual report, 17 Jun 2026, page 16
- 9. Annual report, 17 Jun 2026, page 16
- 10. Annual report, 17 Jun 2026, page 16
- 11. Annual report, 17 Jun 2026, page 42
- 12. Investor presentation, 24 Jul 2026, page 31
- 13. Investor presentation, 24 Jul 2026, page 61
- 14. Investor presentation, 24 Jul 2026, page 61
- 15. Investor presentation, 24 Jul 2026, page 15
- 16. Investor presentation, 24 Jul 2026, page 31
- 17. Earnings call, 24 Jul 2026, page 5
- 18. Investor presentation, 24 Jul 2026, page 31
- 19. Annual report, 17 Jun 2026, page 46
- 20. Earnings call, 24 Jul 2026, page 5
- 21. Investor presentation, 24 Jul 2026, page 31
- 22. Annual report, 17 Jun 2026, page 46
- 23. Annual report, 17 Jun 2026, page 8
- 24. Earnings call, 24 Jul 2026, page 14
- 25. Earnings call, 24 Jul 2026, page 5
- 26. Annual report, 17 Jun 2026, page 46
- 27. Investor presentation, 24 Jul 2026, page 9
- 28. Earnings call, 24 Jul 2026, page 5
- 29. Earnings call, 24 Jul 2026, page 5
- 30. Earnings call, 24 Jul 2026, page 6
- 31. Earnings call, 24 Jul 2026, page 14
- 32. Earnings call, 24 Jul 2026, page 7
- 33. Earnings call, 24 Jul 2026, page 8
- 34. Earnings call, 24 Jul 2026, page 7
- 35. Earnings call, 24 Jul 2026, page 7
- 36. Annual report, 17 Jun 2026, page 44
- 37. Exchange filing, 16 Oct 2026, page 1
- 38. Investor presentation, 24 Jul 2026, page 6
- 39. Exchange filing, 10 Apr 2026, page 1
- 40. Exchange filing, 14 Apr 2026, page 1
- 41. Exchange filing, 9 May 2026, page 1
- 42. Annual report, 17 Jun 2026, page 45
- 43. Exchange filing, 30 Sep 2026, page 1
- 44. Exchange filing, 30 Sep 2026, page 2
Results
Consolidated; ₹ crore. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.Shriram Finance quarterly results
- Income from operations growth, 12 monthsIncome from operations growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +13.8%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +28.6%
Quarter to Sep 2026, against the quarter before
- Income from operationsIncome from operations. The pill is the change in income from operations against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹13,792 Crup 2.93%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹3,684 Crup 6.69%
Income from operations by quarter
Net profit by quarter, a loss in red
| ₹ crore | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Income from operations | 10,698 | 11,454 | 11,536 | 11,912 | 12,171 | 12,513 | 13,400 | 13,792 |
| Net profit | 3,249 | 2,144 | 2,159 | 2,314 | 2,530 | 3,021 | 3,453 | 3,684 |
Year to Mar 2026, against the year before
- Income from operationsIncome from operations. The pill is the change in income from operations against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹48,133 Crup 15.06%
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹10,024 Crup 4.68%
Income from operations by year
Net profit by year, a loss in red
The years either side of a change of basis do not compare. From the year to Mar 2023, the company's income from operations for that year, ₹30,477 Cr, differs from its quarters added, ₹26,267 Cr.
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income from operations | 10,903 | 12,277 | 15,522 | 16,562 | 17,420 | 19,255 | 30,477 | 36,380 | 41,834 | 48,133 |
| Net profit | 1,266 | 1,557 | 2,576 | 2,512 | 2,499 | 2,721 | 6,020 | 7,399 | 9,576 | 10,024 |
Business segments
In the year to Mar 2026 the company reports one business segment, Financial Activities, which carries all its revenue.
Valuation
Today, against the company's own history. Its history crosses a change of basis in the accounts in the year to Mar 2023: days before it are of the company before the change.Shriram Finance PE ratio and valuation
At or below today's level on 59% of 2,241 trading days over the last 10 years.
At or below today's level on 45% of 1,005 trading days over the last 5 years.
At or below today's level on 69% of 2,407 trading days over the last 10 years.
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | +34.2% | +4.9% | +26.8% | 1.2% |
| 3 years | +52.8% | +18.4% | +27.8% | 1.6% |
| 5 years | +27.0% | +22.0% | +2.6% | 1.8% |
Mutual fund holdings
471 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 172 of the 265 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future. 2 more funds filed their first portfolio on record, holding it.All 471 funds holding Shriram Finance
- Bought for the first timeBought for the first time. Funds that held it at the month's end and had not held it in any month on record before.
- 3
- Bought againBought again. Funds that held it at the month's end, had not held it the month before, and held it in an earlier month.
- 5
- AddedAdded. Funds that held more shares than at the end of the month before.
- 141
- CutCut. Funds that held fewer shares than at the end of the month before.
- 124
- Held unchangedHeld unchanged. Funds that held the same number of shares as at the end of the month before.
- 196
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end. Sold out in the glossary
- 14
| Fund | |||
|---|---|---|---|
| 2,71,68,982 | 1.32% | ₹2,669.9 Cr | |
| 1,39,28,296 | 3.40% | ₹1,368.7 Cr | |
| 93,17,499 | 1.32% | ₹915.6 Cr | |
| 87,22,030 | 1.32% | ₹857.1 Cr | |
| 83,39,173 | 4.13% | ₹819.5 Cr | |
| 69,57,488 | 1.92% | ₹683.7 Cr | |
| 60,00,000 | 1.11% | ₹589.6 Cr | |
| 57,18,921 | 1.32% | ₹562.0 Cr | |
| 55,44,736 | 1.86% | ₹544.9 Cr | |
| 55,00,000 | 1.77% | ₹540.5 Cr |
Promoter and insider buying and selling
Trades made since 30 Oct 2025.Shriram Finance insider trading
No promoter, director, key manager or employee bought or sold on the market.
- Promoters and promoter group: no market trade · 425 pledge filings of unclear kind
- Others: no market trade
Shriram Finance competitors and peers
Non Banking Financial Company (NBFC), 277 listed companies, priced on 29 Oct 2026. The table lists the 8 companies closest to Shriram Finance in market cap.Finance companies
Where the company sits among the companies nearest its size
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 5,84,555 | 26.95 | 4.75 | +18.8% | +18.5% | 19.2% | – | 3.77% | 9.08% | 0.64% | |
| 1,38,531 | 23.22 | 2.83 | – | – | 14.0% | – | – | – | 0.17% | |
| 1,37,562 | 22.11 | 3.98 | +21.1% | +33.9% | 20.6% | – | 2.34% | 6.79% | 0.12% | |
| 1,00,251 | 8.81 | 2.56 | +50.7% | +84.8% | 33.2% | – | 6.46% | 12.81% | 1.20% | |
| 51,389 | 19.70 | 2.99 | +5.8% | +36.0% | 16.3% | – | 3.29% | 11.24% | 0.46% | |
| 44,127 | 23.24 | 1.43 | – | – | 6.5% | – | – | – | 0.59% | |
| 43,868 | 19.76 | 2.95 | +13.7% | +15.6% | 15.8% | – | 2.56% | 4.60% | 1.01% | |
| 42,474 | 20.28 | 2.88 | −34.5% | −48.8% | 14.2% | 13.3% | – | – | 0.00% |
Dividends
Per share, by the year it was paid for, and the latest payments.Shriram Finance dividend history
Dividend per share, ₹, restated for later splits and bonuses
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up. Dividend per share in the glossary| Ex-date | Type | Per share |
|---|---|---|
| 29 Oct 2026 | Interim | ₹6.50 |
| 3 Jul 2026 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. Final dividend in the glossary | ₹6.00 |
| 7 Nov 2025 | Interim | ₹4.80 |
| 11 Jul 2025 | Final | ₹3.00 |
| 31 Jan 2025 | Interim | ₹2.50 |
| 7 Nov 2024 | Interim | ₹22.00 |
Latest announcements
Routine notices left out.Shriram Finance announcements
Oct 2026
23 Oct · Management
23 Oct · Business
Shriram Finance share price by year
Each calendar year to 2025.Shriram Finance share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 996.20 | +72.4% | 996.20 | 511.65 |
| 2024 | 577.83 | +40.7% | 725.69 | 406.01 |
| 2023 | 410.66 | +49.1% | 423.66 | 240.06 |
| 2022 | 275.38 | +13.1% | 299.30 | 204.26 |
| 2021 | 243.40 | +16.3% | 332.94 | 214.17 |
| 2020 | 209.30 | −10.6% | 268.26 | 90.41 |
| 2019 | 234.22 | −5.6% | 256.06 | 185.07 |
| 2018 | 247.99 | −16.3% | 327.80 | 188.11 |
| 2017 | 296.28 | +73.6% | 296.28 | 176.88 |
| 2016 | 170.69 | −0.6% | 260.21 | 148.21 |
Recent sessions
The 9 trading days to 28 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 28 Oct 2026 | 823.00 | 833.95 | 810.10 | 832.55 | 824.52 | 62,78,214 | 58.7% |
| 27 Oct 2026 | 833.80 | 841.70 | 819.00 | 823.60 | 830.77 | 81,38,992 | 59.5% |
| 26 Oct 2026 | 835.00 | 836.00 | 810.20 | 825.00 | 824.61 | 1,18,09,776 | 48.2% |
| 23 Oct 2026 | 900.00 | 923.05 | 833.60 | 865.00 | 871.75 | 71,41,142 | 45.3% |
| 22 Oct 2026 | 899.00 | 905.60 | 885.00 | 900.90 | 898.09 | 43,12,973 | 57.5% |
| 21 Oct 2026 | 936.00 | 936.00 | 900.00 | 904.95 | 914.63 | 55,57,748 | 61.6% |
| 19 Oct 2026 | 937.00 | 938.70 | 924.00 | 926.50 | 930.18 | 34,08,806 | 54.9% |
| 16 Oct 2026 | 947.65 | 951.20 | 927.30 | 939.95 | 935.20 | 32,20,117 | 57.8% |
| 15 Oct 2026 | 948.90 | 956.85 | 936.40 | 943.80 | 950.28 | 23,32,139 | 53.5% |
Price adjustments
What the price chart is corrected for, so it reads as one share held throughout.Stock split history
| Ex-date | Event | Price factor | What happened |
|---|---|---|---|
| 10 Jan 2025 | Split | 0.2000 | Each share became 5. |
| 9 Jul 2020 | Rights issue | – | Shareholders were offered new shares. Noted, not adjusted for. |
| 23 Mar 2020 | Price move | – | Between two trading sessions the price moved by a fifth or more. The Nifty 500 moved 5% or more the same way over the same sessions. Not adjusted for. |
Company details
- NSE symbol
- SHRIRAMFIN
- BSE code
- 511218
- ISIN
- INE721A01047
- Industry
- Finance
- Former symbols
- SRTRANSFIN
- Website
- www.stfc.in
- CIN
- L65191TN1979PLC007874
- Corporate identity number, the registrar of companies' code for it
- Incorporated
- 1979
- Registered office
- 14A, South Phase, Industrial Estate, Guindy, Chennai 600032, Tamil Nadu
- Share registrar
- Integrated Registry Management Services Pvt. Ltd (Integrated Enterprises (India) Ltd)
- Keeps the register of shareholders and handles transfers and dividend payments