Shriram Finance Share Price Target 2026: Shriram Finance Limited is one of India’s leading NBFCs (Non-Banking Financial Companies) with a strong presence in tier-2 and tier-3 cities. The company offers a range of financing solutions, including:
- Commercial vehicle loans
- Passenger vehicle loans
- Farm equipment loans
- Gold loans
- Small business loans
With a focus on financial inclusion and rural credit, Shriram Finance supports MSMEs, transport operators, and individual borrowers. Its diversified loan portfolio helps reduce risk during economic fluctuations, making it a crucial player in India’s credit ecosystem.
Shriram Finance Fundamentals
Understanding a company’s fundamentals provides insight into its long-term potential and share price forecasts.
Key Financial Metrics (Approximate):
| Metric | Value |
|---|---|
| Market Capitalization | ₹1,80,000–₹1,90,000 Cr. |
| P/E Ratio (TTM) | 19–21 |
| ROE | 15–16% |
| Price/Book Ratio | 2.9–3.0 |
| EPS (TTM) | ₹48.6 |
| Dividend Yield | ~1.0% |
| Debt-to-Equity | 3.8–4.1 |
These figures indicate that Shriram Finance has moderate valuations, consistent profitability, and a well-diversified lending portfolio, making it suitable for long-term NBFC investments.
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Shriram Finance Share Price Target 2026–2030
Shriram Finance Share Price Target 2026
- Projected Range: ₹1,050–₹1,300
- Midpoint: ₹1,175
- Rationale: Economic recovery and growing NBFC credit demand, especially in commercial vehicle and MSME segments. Strategic investment from MUFG may support loan book expansion.
Shriram Finance Share Price Target 2027
- Projected Range: ₹1,200–₹1,450
- Midpoint: ₹1,325
- Rationale: Lower funding costs and improved credit uptake, along with steady margin growth, could push valuations higher.
Shriram Finance Share Price Target 2028
- Projected Range: ₹1,350–₹1,600
- Midpoint: ₹1,475
- Rationale: Digital lending initiatives and continued asset growth may strengthen profitability and market positioning.
Shriram Finance Share Price Target 2029
- Projected Range: ₹1,500–₹1,750
- Midpoint: ₹1,625
- Rationale: Sustained sector growth and expansion in rural credit and transport financing can drive medium-term price appreciation.
Shriram Finance Share Price Target 2030
- Projected Range: ₹1,650–₹1,950
- Midpoint: ₹1,800
- Rationale: Long-term credit demand from India’s growing economy and penetration into digital and rural channels support optimistic targets.
⚠️ Note: These targets are estimates based on current fundamentals and industry trends. They are not guaranteed outcomes.
Shriram Finance Shareholding Pattern
Understanding ownership provides insight into market confidence:
- Promoters: ~25.38%
- Foreign Institutional Investors (FII/FPI): ~47.22%
- Mutual Funds: ~14.39%
- Other Domestic Institutions: ~6.91%
- Retail & Others: ~6.10%
A high institutional holding ensures good liquidity and market trust, while promoter stakes indicate strategic control.
Long-Term Outlook
Opportunities:
- Rising credit demand from MSMEs and vehicle financing
- Regulatory focus on NBFC stability
- Digital lending expansion
Risks:
- Economic slowdown
- Rising interest rates
- Potential stress on asset quality
Investor Perspective: Long-term investors should focus on fundamentals, sector trends, and risk appetite rather than short-term price fluctuations.
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