Viji Finance Ltd.

•

vijifinance.comBSE: 537820NSE: VIJIFIN

Market Cap₹ 386 Cr.

Current Price

High / Low₹ 17 / 2

Stock P/E2793.8

Book Value—

Price to Book2.17

Dividend Yield0.00 %

ROCE1.5 %

ROE1.1 %

Face Value₹ 1

Add ratio to table

ABOUT

KEY POINTS

Revenue Breakup Mar 2020 • Finance: 99.0% • Realities: 1.0%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Solid return on assets for a lender - ROA of 5.8%
Company has consistently been profitable over the last 5 years

CONS

Promoter holding has decreased over last 2 years: -11.7pp
Company has a low return on capital employed of 3.1%
Company has a low return on equity of 2.9% over last 3 years
Company's sales have been declining over the last five years
Operating margins have contracted to 44.5% from 74.0%
Free cash flow has been persistently negative

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1055.00	32.35	656838.18	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1029.95	21.41	242345.54	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	367.80	28.89	156126.28	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	CHOLAFIN	1824.90	27.10	155858.50	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
5.	JIOFIN	233.50	74.61	154183.36	0.26	8302.50	2457.29	20044.70	3172.82	2.11	69.71
6.	BAJAJHLDNG	11055.60	13.89	123041.65	1.76	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2896.70	10.23	116293.37	1.04	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	396.20	26.43	108461.67	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	308.50	24.30	77320.98	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	668.55	27.96	63622.10	0.37	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.70	26.07	56716.32	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	VIJIFIN	16.69	2793.76	385.54	0.00	0.03	196.30	0.51	48.26	10.23	37.25

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
	0	1	1	0	0	0	0	1
	0	0	0	0	0	0	0	0
Operating Profit	0	0	1	0	-0	0	0	0
OPM %	23.84%	80.66%	80.89%	40.12%	-8.70%	48.89%	50.00%	37.25%
Other Income	0	0	0	0	0	0	0	0
Interest	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0
	0	0	0	-0	-0	0	0	0
Tax %	27.50%	26.93%	26.77%	16.13%	23.53%	20.00%	28.57%	25.00%
Net Profit	0	0	0	-0	-0	0	0	0
	0	0	0	0	-0	0	0	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
	1	2	2	2	1	1	1	2	1	2
	1	1	0	1	1	0	1	1	1	1
Operating Profit	1	1	2	1	0	1	1	1	1	1
OPM %	48.64%	61.48%	86.00%	43.84%	26.90%	71.38%	47.88%	54.76%	44.49%	30.43%
	0	0	0	0	0	0	0	0	0	0
Interest	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit before Tax	1	1	2	1	0	1	0	1	0	0
Tax %	39.92%	33.74%	26.69%	50.84%	30.82%	24.62%	11.12%	27.85%	24.96%	25.00%
Net Profit	0	1	1	0	0	0	0	0	0	0
EPS	0.00	0.00	0.00	0.00	0.00	0.05	0.05	0.05	0.02	—
Dividend Payout %	65.36%	12.10%	5.91%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: -5%
3 Years:: 14%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: -16%
3 Years:: -32%

STOCK PRICE CAGR

10 Years:: 9%
5 Years:: 69%
3 Years:: 122%
1 Year:: 394%

RETURN ON EQUITY

10 Years:: —
5 Years:: 3%
3 Years:: 3%
Last Year:: 1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	8	8	8	8	8	8	8	8	8
	1	1	2	2	2	3	3	4	4
	1	3	3	4	4	4	5	9	12
	1	1	1	1	1	1	1	1	1
Total Liabilities	10	12	14	15	16	16	17	23	25
	0	0	0	0	0	0	1	2	2
Cash & Bank	0	1	1	0	0	1	0	0	0
	9	11	13	14	15	15	17	20	23
Total Assets	10	12	14	15	16	16	17	23	25

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	0	-1	-0	-0	-0	1	-1	-2	-3
Cash from Investing	-0	0	-0	-0	0	-0	-1	-2	-0
Cash from Financing	0	1	0	1	0	-0	1	5	3
	0	0	-0	-0	0	0	-1	0	0

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	51.02	53.71	53.71	53.71	53.71	53.71	53.02	47.68	39.31
FIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	48.98	46.29	46.29	46.29	46.29	46.29	46.98	52.07	60.49

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-04

General Updates

2026-09-04 - Viji Finance Limited has informed the Exchange about General Updates

2026-09-02

Outcome of Board Meeting

2026-09-02 - Viji Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on September 02, 2026.

2026-09-02

Change in Auditors

2026-09-02 - Viji Finance Limited has informed the Exchange regarding Change in Auditors of the company.

2026-08-26

Allotment of Securities

2026-08-26 - Viji Finance Limited has informed the Exchange regarding allotment of 10000000 securities pursuant to Preferential Issue at its meeting held on August 26, 2026

2026-08-26

Committee Meeting Updates

2026-08-26 - Viji Finance Limited has informed the Exchange regarding Outcome of Committee Meeting held on August 26, 2026.

2026-08-24

Change in Auditors

2026-08-24 - Viji Finance Limited has informed the Exchange regarding Change in Auditors of the company.

2026-08-20

General Updates

2026-08-20 - Viji Finance Limited has informed the Exchange about General Updates

2026-08-14

General Updates

2026-08-14 - Viji Finance Limited has informed the Exchange about General Updates

2026-08-13

Change in Management

2026-08-13 - Viji Finance Limited has informed the Exchange about change in Management

News

Recent coverage and analyst commentary for VIJIFIN

Loading news…

🤖

AI Stock Analyst

Viji Finance Ltd.

🔒

Sign in to Chat with AI

✨ Sign In to Chat

Free 5nance Account

Name

BAJFINANCE

1055.00

32.35

656838.18

0.57

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1029.95

21.41

242345.54

1.05

3452.77

59.90

13400.43

17.46

11.49

74.63

TATACAP

367.80

28.89

156126.28

0.15

16281.80

1464.16

88219.30

1051.00

8.66

75.72

CHOLAFIN

1824.90

27.10

155858.50

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

JIOFIN

233.50

74.61

154183.36

0.26

8302.50

2457.29

20044.70

3172.82

2.11

69.71

BAJAJHLDNG

11055.60

13.89

123041.65

1.76

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2896.70

10.23

116293.37

1.04

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

396.20

26.43

108461.67

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

308.50

24.30

77320.98

0.89

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

668.55

27.96

63622.10

0.37

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

682.70

26.07

56716.32

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

VIJIFIN

16.69

2793.76

385.54

0.00

0.03

196.30

0.51

48.26

10.23

37.25

Mar 2022

Jun 2022

Sep 2022

Dec 2022

Mar 2023

Jun 2023

Sep 2023

Dec 2023

Operating Profit

-0

OPM %

23.84%

80.66%

80.89%

40.12%

-8.70%

48.89%

50.00%

37.25%

Other Income

Interest

Depreciation

-0

Tax %

27.50%

26.93%

26.77%

16.13%

23.53%

20.00%

28.57%

25.00%

Net Profit

-0

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

TTM

Operating Profit

OPM %

48.64%

61.48%

86.00%

43.84%

26.90%

71.38%

47.88%

54.76%

44.49%

30.43%

Interest

Depreciation

Profit before Tax

Tax %

39.92%

33.74%

26.69%

50.84%

30.82%

24.62%

11.12%

27.85%

24.96%

25.00%

Net Profit

EPS

0.00

0.05

0.02

—

Dividend Payout %

65.36%

12.10%

5.91%

0.00%

—

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Equity Capital

Total Liabilities

Cash & Bank

Total Assets

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

-1

-0

-1

-2

-3

Cash from Investing

-0

-1

-2

-0

Cash from Financing

-0

-1

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

51.02

53.71

53.02

47.68

39.31

FIIs

0.00

DIIs

0.00

Government

0.00

48.98

46.29

46.98

52.07

60.49

Viji Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

Viji Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI