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Verified employee & interview reviews
Chennai, Tamil Nadu
Shriram Finance Limited is one of India’s leading retail non-banking financial companies (NBFCs) and serves as the flagship enterprise of the prominent, multi-decade-old Shriram Group conglomerate. Headquartered in Mumbai, India, the company specializes in providing comprehensive credit and financial solutions to underbanked, unbanked, and rural populations. Shriram Finance acts as a vital bridge in the formal financial ecosystem by catering extensively to first-time buyers, small road transport operators, individuals, and micro, small, and medium enterprises (MSMEs) who often lack traditional credit histories. Originally incorporated in June 1979 as Shriram Transport Finance Company Limited, the firm established its foundation primarily in commercial vehicle financing, with a particular focus on pre-owned and new trucks. Over the decades, it scaled its operations significantly. A defining milestone occurred in November 2022, when the Shriram Group executed a massive strategic merger, combining Shriram Transport Finance Company Limited, Shriram City Union Finance Limited, and Shriram Capital Limited into a unified entity, officially rebranded as Shriram Finance Limited. This amalgamation transformed the company into a comprehensive financial services destination. Expanding its international profile, the company entered into an investment agreement in December 2025 under which Japan’s MUFG Bank agreed to acquire a 20% stake in the company via a preferential share allotment. Today, Shriram Finance operates an extensive, vertically integrated business model backed by advanced digital infrastructure tailored to modern consumer needs. Its diverse product portfolio spans consumer finance, retail lending, and corporate credit. Key offerings include commercial vehicle loans, passenger vehicle loans, two-wheeler financing, construction equipment loans, farm equipment financing, gold loans, personal loans, and MSME finance. Beyond credit services, the company provides deposit options like fixed and recurring deposits, green finance services, and a suite of insurance products including motor, life, and general insurance. It also facilitates digital utilities, bill payments, and recharge services. As of March 31, 2026, Shriram Finance managed a combined Asset Under Management (AUM) worth INR 302,273.8 crores, reflecting a robust annual growth rate of 14.85%. The company boasts an extensive pan-India footprint featuring a network of over 3,225 branches and a dedicated workforce of 76,241 employees, serving approximately 9.73 million active private and corporate customers. Publicly traded on both the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE), the company is led by key executives including Managing Director and CEO Parag Sharma alongside Executive Vice Chairman Umesh Govind Revankar. Shriram Finance remains committed to financial inclusion and sustainability, leveraging relationship-based lending to empower grassroot communities across India.
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