Viji Finance

: VIJIFIN · Non Banking Financial Company (NBFC)

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Snapshot

Unlock Viji Finance's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

Viji Finance Ltd is a non-systemically important, non-deposit accepting non-banking financial company (NBFC) incorporated in 1994. The company is primarily engaged in the provision of various financial services.

Business Model

The company operates as an NBFC, generating revenue primarily through interest income and financial service fees derived from its lending activities.

Growth Outlook

Future growth is contingent upon the company's ability to scale its loan book and maintain asset quality within the competitive Indian NBFC landscape.

Key Risks

  • Credit Risk. The company faces the risk of financial loss if borrowers fail to meet their contractual repayment obligations.
  • Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India that may impact operational flexibility.
  • Interest Rate Risk. Fluctuations in market interest rates can affect the company's net interest margins and overall profitability.
  • Liquidity Risk. The company may face challenges in managing cash flows to meet short-term financial obligations if market liquidity tightens.

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Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
Viji FinanceVIJIFIN
₹214 Cr79.1612.2%+351.7%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials