Viji Finance Limited share price
Viji Finance Limited, a non-banking finance company, provides financial products and services in India. It offers personal and business loans, loans against property, gold and education loans, corporate and housing finance, infrastructure/project finance, personal finance, and medical equipment loan services. Viji Finance Limited was formerly known as Panjon Finance Limited and changed its name to Viji Finance Limited in September 2012. Viji Finance Limited was incorporated in 1994 and is based in Indore, India.Read more
- Market Cap₹ 385 Cr.
- Current Price₹ 16.66
- High / Low₹ 17 / 2
- Stock P/E59.5
- Book Value₹ 2
- Dividend Yield0.00 %
- Price / Book7.08
- ROE8.80 %
- Face Value₹ 1.0
More figures (8)
- EPS (TTM)₹ 0.28
- Net margin38.9 %
- Sales growth (5Y)40.7 %
- Profit growth (5Y)34.9 %
- Promoter holding69.3 %
- EV / EBITDA—
- Beta—
- All-time high₹ 17
Price chart
| Returns | 1M | 3M | 6M | YTD | 1Y | 3Y CAGR | 5Y CAGR |
|---|---|---|---|---|---|---|---|
| VIJIFIN | +10.99% | +101.69% | +411.04% | +540.77% | +446.23% | +127.59% | +60.66% |
| Nifty 50 | -0.31% | -3.85% | -4.34% | -11.42% | -9.53% | +5.46% | +4.76% |
Price returns only (dividends not included). Prices from NSE via Yahoo Finance; may be delayed.
Quick take
- Viji Finance Limited is in the Credit Services industry (Financial Services), with a market value of ₹385 crore.
- It trades at 59.5 times its last 12 months' earnings and 7.1 times book value.
- Revenue grew 40.7% a year over the last 5 years, profit 34.9% a year.
- Return on equity was 8.8% in the latest year.
- The share price is 3.4% below its 52-week high and up 446.2% over one year.
- Promoters and insiders hold about 69.3%; institutions about 0.0%.
Pros
AI- Sales have grown 40.7% a year over the last 5 years.
- Profit has grown 34.9% a year over the last 5 years.
Cons
AI- Return on equity has been low: 3.6% on average over the last 3 years.
- Promoter holding has fallen by 9.76 points over 3 years, to 30.07%.
- The company has not paid a dividend recently.
Pros and cons are generated automatically from the reported figures. They are observations, not a recommendation to buy or sell.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language. It does not say whether to buy or sell.
About Viji Finance Limited
Viji Finance Limited, a non-banking finance company, provides financial products and services in India. It offers personal and business loans, loans against property, gold and education loans, corporate and housing finance, infrastructure/project finance, personal finance, and medical equipment loan services. Viji Finance Limited was formerly known as Panjon Finance Limited and changed its name to Viji Finance Limited in September 2012. Viji Finance Limited was incorporated in 1994 and is based in Indore, India.
- Employees
- 3
- Head office
- Indore
Peer comparison
Financial ServicesCredit Services
| S.No. | Company | CMP ₹ | P/E | Mar Cap ₹ Cr | Div Yld % | NP Qtr ₹ Cr | Qtr Profit Var % | Sales Qtr ₹ Cr | Qtr Sales Var % | ROCE % | ROE % | P/B | OPM % | Debt / Eq | Prom. Hold. % | Sales ₹ Cr | Sales Var 3Yrs % |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Viji Finance | 16.66 | 59.5 | 385 | 0.00 | 2 | — | 3 | 380.27 | 10.9 | 8.8 | 7.08 | 51.1 | 0.31 | 69.30 | 5 | 40.7 |
| 2. | Bajaj Finance | 982.10 | 29.4 | 6,11,250 | 0.56 | 6,081 | 27.60 | 23,165 | 18.65 | — | 18.1 | 5.36 | — | 3.10 | 56.50 | 81,982 | 22.6 |
| 3. | Shriram Finance | 939.95 | 16.6 | 2,21,178 | 1.14 | 3,453 | 61.06 | 7,923 | 30.61 | — | 16.4 | 2.68 | — | 2.76 | 22.17 | 25,034 | 13.9 |
| 4. | Tata Capital | 322.80 | 25.3 | 1,36,115 | 0.18 | 1,628 | — | 8,822 | — | 3.7 | 12.3 | 2.97 | 28.9 | 4.97 | 85.96 | 31,540 | 34.5 |
| 5. | Cholamandalam Investment and Finance Company | 1,574.40 | 23.3 | 1,35,007 | 0.13 | 1,656 | 45.56 | 8,856 | 21.87 | — | 19.3 | 4.40 | — | 6.95 | 51.95 | 31,073 | 32.8 |
| 6. | Power Finance Corporation | 333.25 | 4.2 | 1,09,976 | 4.56 | 8,998 | 0.18 | 28,527 | -0.04 | — | 20.7 | 0.77 | — | 7.62 | 56.00 | 1,15,444 | 16.2 |
| 7. | Indian Railway Finance Corporation | 80.25 | 14.2 | 1,04,875 | 2.66 | 1,958 | -44.40 | 7,866 | -40.80 | 3.8 | 12.8 | 1.85 | 64.8 | 7.69 | 82.90 | 27,285 | 4.6 |
| 8. | Muthoot Finance | 2,598.30 | 9.2 | 1,04,314 | 1.15 | 2,799 | 38.83 | 5,236 | 27.38 | — | 30.9 | 2.57 | — | 3.86 | 73.35 | 20,265 | 38.0 |
| 9. | REC | 307.80 | 5.1 | 81,051 | 4.39 | 4,193 | -2.72 | 4,430 | -31.54 | — | 20.0 | 0.96 | — | 6.05 | 52.65 | 21,834 | 14.4 |
| 10. | L&T Finance | 253.85 | 18.6 | 63,625 | 1.05 | 902 | 41.86 | 3,086 | 32.29 | — | 11.1 | 2.26 | — | 3.94 | 65.95 | 10,635 | 17.7 |
| Median: 43 Co. | 328.03 | 15.4 | 19,766 | 0.18 | 2,379 | 33.22 | 7,895 | 21.87 | 3.8 | 11.9 | 1.89 | 40.8 | 4.46 | 61.23 | 26,159 | 16.9 |
Companies in the same industry; the median covers every company in it that we hold figures for. Tap a heading to sort. Sorting and comparing are ways to explore data, not recommendations.
Quarterly Results
Standalone figures in ₹ crore
Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Latest quarter on the right.
Profit & Loss
Standalone figures in ₹ crore
Projection — your assumptions
Starts from the last four reported quarters (TTM) and applies the figures you enter; growth is pre-filled with the company's own 3-year sales growth. This is a what-if calculator for illustration, not a forecast, estimate or recommendation.
Related party transactions
Related-party transactions are dealings with promoters, directors, subsidiaries and associates. Companies disclose them to the exchanges every half-year and in detail in the notes to their annual report.
- Related Party TransactionViji Finance Limited has informed the Exchange about Non-applicability of Regulation 23(9) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 201525-Nov-2022
- Related Party TransactionsViji Finance Limited has informed the Exchange regarding claiming exemption under Regulation 15(2) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.17-Jun-2019
Full details: notes to the Financial Year 2026 annual report (related party disclosures).
| ₹ Cr | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
| 1 | 1 | 1 | 2 | 2 | 2 | 5 | 8 | |
| YOY Revenue Growth % | -6.95% | 32.58% | 70.79% | -7.64% | 20.78% | 118.56% | ||
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
| 1 | 0 | 1 | 1 | 2 | 2 | 2 | 2 | |
| Employee Cost % | 41% | 10% | 28% | 32% | 38% | 35% | 12% | 5% |
| Other Expenses % | 31% | 19% | 25% | 16% | 24% | 46% | 23% | 14% |
| Financing Profit | 0 | 1 | 0 | 1 | 0 | -0 | 2 | 5 |
| Financing Margin % | 20% | 62% | 37% | 29% | 10% | -17% | 49% | 71% |
| Other Income | 0 | 0 | 0 | 0 | 1 | 0 | 1 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 0 | 1 | 0 | 1 | 0 | 0 | 3 | 7 |
| 27% | 26% | 11% | 28% | 40% | 22% | 25% | 13% | |
| Current tax | 0 | 0 | 0 | 0 | 0 | 0 | 1 | |
| Deferred tax | 0 | -0 | 0 | 0 | -0 | -0 | -0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 2 | 6 | |
| YOY Profit Growth % | 211.27% | -0.05% | -0.34% | -72.70% | 40.35% | 1,070.48% | ||
| EPS in Rs | 0.02 | 0.05 | 0.05 | 0.05 | 0.01 | 0.01 | 0.14 | 0.36 |
Compounded Sales Growth
- 5 Years:
- 41%
- 3 Years:
- 35%
- TTM:
- 226%
Compounded Profit Growth
- 5 Years:
- 35%
- 3 Years:
- 65%
- TTM:
- 3,547%
Stock Price CAGR
- 5 Years:
- 61%
- 3 Years:
- 128%
- 1 Year:
- 446%
Return on Equity
- 4 Years:
- 4%
- Last Year:
- 9%
Financial years ending March; TTM = the last four quarters. Source: the company's results filed with NSE, as reported. Tap a row marked + for its breakdown. Dividend payout = dividends paid in the year ÷ net profit.
Balance Sheet
Consolidated figures in ₹ crore, as at 31 March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Equity Capital | 8 | 8 | 14 | 14 |
| Reserves | 4 | 4 | 7 | 9 |
| 9 | 13 | 13 | 7 | |
| Long term borrowings | 9 | 2 | 13 | 2 |
| Short term borrowings | 8 | 12 | 11 | 5 |
| 1 | 1 | 1 | 3 | |
| Trade payables | 0 | |||
| Current liabilities | 1 | 13 | 1 | 8 |
| Total Liabilities | 23 | 27 | 35 | 34 |
| 2 | 2 | 2 | 1 | |
| Gross block | 3 | 3 | 3 | 3 |
| Accumulated depreciation | 1 | 1 | 1 | 2 |
| 20 | 25 | 33 | 32 | |
| Cash & equivalents | 0 | 0 | 0 | 0 |
| Current assets | 0 | 0 | 5 | 0 |
| Total Assets | 23 | 27 | 35 | 34 |
Source: Yahoo Finance (compiled from the annual reports). Tap a row marked + for its breakdown.
Cash Flows
Consolidated figures in ₹ crore, financial years ending March
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| -2 | -4 | -3 | 2 | |
| Profit for the year | 0 | 0 | 0 | 2 |
| Working capital changes | -3 | |||
| Direct taxes paid | -0 | -0 | -0 | |
| -2 | 0 | -0 | -2 | |
| Fixed assets purchased | -2 | -0 | -0 | |
| Investments purchased | -2 | |||
| Investments sold | 0 | 0 | ||
| 5 | 4 | 8 | -5 | |
| Proceeds from borrowings | 5 | 4 | ||
| Repayment of borrowings | -1 | -5 | ||
| Net Cash Flow | 0 | 0 | 5 | -5 |
| Free Cash Flow | -4 | -4 | -3 | 2 |
Free cash flow = cash from operations − capital expenditure. Source: Yahoo Finance.
Ratios
| Ratio | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| ROE | — | 3.6% | 1.0% | 1.0% | 8.8% |
| Net margin | — | 20.8% | 6.2% | 7.3% | 38.9% |
Computed from the reported statements: ROE on average equity; ROCE = EBIT / (total assets − current liabilities). Debtor days = receivables ÷ sales × 365; inventory and payable days use cost of goods sold; cash conversion cycle = debtor + inventory − payable days; working capital days = (current assets − current liabilities) ÷ sales × 365.
Shareholding Pattern
Numbers in percentages · as filed with NSE each quarter
- Promoters 30.07%
- DIIs 0.15%
- Public 69.77%
| % | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 39.83% | 49.63% | 51.02% | 53.71% | 53.71% | 53.71% | 53.71% | 53.71% | 53.02% | 47.68% | 39.31% | 30.07% |
| DIIs | 0.25% | 0.21% | 0.15% | |||||||||
| 60.17% | 50.37% | 48.98% | 46.29% | 46.29% | 46.29% | 46.29% | 46.29% | 46.98% | 52.07% | 60.49% | 69.77% | |
| Retail (up to ₹2 lakh) | 45.38% | 37.99% | 37.58% | 28.41% | 29.29% | 29.91% | 30.99% | 30.43% | 31.56% | 34.22% | 27.24% | 17.41% |
| HNIs (above ₹2 lakh) | 8.52% | 6.72% | 5.45% | 12.46% | 10.83% | 10.45% | 9.36% | 9.33% | 8.63% | 9.82% | 26.47% | 31.20% |
| NRIs | 0.79% | 0.56% | 0.56% | 0.43% | 0.55% | 0.55% | 0.52% | 0.44% | 0.38% | 0.33% | 0.30% | 0.14% |
| Bodies corporate | 1.02% | 1.00% | 1.46% | 1.65% | 1.69% | 1.53% | 1.62% | 2.20% | 2.29% | 1.48% | 1.07% | 1.92% |
| IEPF | 1.67% | 1.67% | 1.67% | 0.97% | 1.04% | 1.04% | 1.01% | 1.00% | 1.00% | 1.00% | 0.98% | 0.73% |
| No. of Shareholders | 51,321 | 54,793 | 53,381 | 54,025 | 60,658 | 62,713 | 62,994 | 62,792 | 62,150 | 61,973 | 60,319 | 57,936 |
Source: shareholding patterns filed by the company with NSE. Public = non-institutional holders. Tap a row marked + for its breakdown.
Documents
Announcements
- Copy of Newspaper PublicationViji Finance Limited has informed the Exchange about Copy of Newspaper Publication16-Oct-2026
- General UpdatesViji Finance Limited has informed the Exchange about General Updates15-Oct-2026
- Outcome of Board MeetingViji Finance Limited has submitted to the Exchange, the financial results for the period ended September 30, 2026.14-Oct-2026
- General UpdatesViji Finance Limited has informed the Exchange about General Updates09-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Viji Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 201806-Oct-2026
- General UpdatesViji Finance Limited has informed the Exchange about General Updates28-Sep-2026
- Trading WindowViji Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 201525-Sep-2026
- General UpdatesViji Finance Limited has informed the Exchange about General Updates12-Sep-2026
- General UpdatesViji Finance Limited has informed the Exchange about General Updates04-Sep-2026
- Outcome of Board MeetingViji Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on September 02, 2026.02-Sep-2026
- Change in AuditorsViji Finance Limited has informed the Exchange regarding Change in Auditors of the company.02-Sep-2026
- Allotment of SecuritiesViji Finance Limited has informed the Exchange regarding allotment of 10000000 securities pursuant to Preferential Issue at its meeting held on August 26, 202626-Aug-2026
Annual reports
- Financial Year 202621-JUL-2026
- Financial Year 202508-DEC-2025
- Financial Year 202407-SEP-2024
- Financial Year 2023
- Financial Year 2022
- Financial Year 2021
- Financial Year 2020
- Financial Year 2019
- Financial Year 201801-OCT-2018
- Financial Year 201702-AUG-2017
Credit ratings
None filed recently.
Concalls & investor meets
None filed recently.
Filings made by the company with NSE; documents open on NSE's website.
Key dates
- Ex-dividend date
- 12 Sep 2018
- Latest quarter
- 30 Sep 2026
- Financial year end
- 31 Mar 2026
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Latest news
In the news
From the company (NSE)
- Copy of Newspaper PublicationViji Finance Limited has informed the Exchange about Copy of Newspaper PublicationNSE filing · 16-Oct-2026
- General UpdatesViji Finance Limited has informed the Exchange about General UpdatesNSE filing · 15-Oct-2026
- Outcome of Board MeetingViji Finance Limited has submitted to the Exchange, the financial results for the period ended September 30, 2026.NSE filing · 14-Oct-2026
- General UpdatesViji Finance Limited has informed the Exchange about General UpdatesNSE filing · 09-Oct-2026
- Certificate under SEBI (Depositories and Participants) Regulations, 2018Viji Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018NSE filing · 06-Oct-2026
- General UpdatesViji Finance Limited has informed the Exchange about General UpdatesNSE filing · 28-Sep-2026
- Trading WindowViji Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015NSE filing · 25-Sep-2026
- General UpdatesViji Finance Limited has informed the Exchange about General UpdatesNSE filing · 12-Sep-2026
Headlines from news publishers (via Google News) and the filings of the company with NSE; they open on the source website. Headlines with price targets or buy/sell calls are left out. News is for information only and is not a recommendation.
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