Shriram Finance Share Price Target 2026, 2027, 2030, 2040, 2050
Shriram Finance is India’s largest retail non-banking financial company (NBFC) that gives loans mainly to people in rural and semi-rural areas who may not easily get loans from banks. It is part of the trusted Shriram Group and provides many types of loans, such as truck and commercial vehicle loans (new and used), two-wheeler loans, car loans, home loans, gold loans, personal loans, small business loans, and also offers fixed deposits. The company mainly helps self-employed people, small business owners, and transport operators across India.
What is Shriram Finance Ltd NSE: SHRIRAMFIN?
Shriram Finance Limited was established in 1979 in Chennai by R. Thyagarajan. It is a large Indian non-banking financial company (NBFC) and a part of the Shriram Group. The company gives different types of loans, such as truck and commercial vehicle loans, car and two-wheeler loans, gold loans, personal loans, and small business loans. It has many branches across India and serves millions of customers. The company mainly works in rural and small towns where many people may not easily get loans from banks. Shriram Finance is especially known for giving loans for used trucks and helping small transport business owners.
It is one of the biggest finance companies in India that gives loans like a bank. It provides different types of loans and money services to people across the country. The company mainly helps people who cannot easily get loans from big banks. These people include small shop owners, truck drivers, farmers, and people living in villages and small towns. The main aim of Shriram Finance is to make loans and financial help available to everyone. Over the years, it has gained people’s trust by keeping the loan process simple and giving easy options to repay the money. In 2026, its share price target would be ₹1619, as per stock market analysts.
According to stock market analysts, its share price would be between ₹760 to ₹1619 in 2026.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2026 | 760 | 1619 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 961 | 1030 |
| February | 940 | 1108 |
| March | 944 | 1206 |
| April | 876 | 1262 |
| May | 995 | 1366 |
| June | 816 | 1060 |
| July | 790 | 1150 |
| August | 760 | 1268 |
| September | 898 | 1374 |
| October | 850 | 1441 |
| November | 1075 | 1557 |
| December | 1358 | 1619 |
It gives many types of loans to suit different needs. It offers loans to buy trucks, buses, cars, bikes, and scooters. It also provides loans for farm machines and construction equipment. People can take personal loans for household needs, medical expenses, or other personal reasons. Small business owners can take out business loans to grow their business. The company also gives gold loans, where people can keep their gold as security and get quick money. In 2027, its share price target would be ₹, as per stock market analysts.
According to stock market analysts, its share price would be between ₹1581 to ₹2104 in 2027.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2027 | 1581 | 2104 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 1581 | 1700 |
| February | 1610 | 1755 |
| March | 1635 | 1835 |
| April | 1674 | 1878 |
| May | 1712 | 1900 |
| June | 1745 | 1932 |
| July | 1775 | 1965 |
| August | 1825 | 1989 |
| September | 1845 | 2025 |
| October | 1889 | 2045 |
| November | 1910 | 2078 |
| December | 1958 | 2104 |
The company also helps people save and invest their money. It offers fixed deposits, where people can invest money safely and earn interest after a fixed time. Many people choose fixed deposits because they are easy to understand and low risk. It clearly explains how much interest customers will get and how long the money will stay invested. This helps customers plan their savings better. Since the company offers both loans and investment options, customers can manage their borrowing and savings in one place. In 2028, its share price target would be ₹2570, as per stock market analysts.
According to stock market analysts, its share price would be between ₹2074 to ₹2570 in 2028.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2028 | 2074 | 2570 |
It is strong in villages and small towns. Many big banks mainly focus on large cities, but this company works equally in rural and semi-urban areas. It understands the needs of farmers, small traders, and transport workers. The company makes it easy for local people to get financial help. This also helps more people become part of the formal financial system. The staff members usually understand local languages and problems, so customers feel comfortable talking to them. In 2029, its share price target would be ₹3025, as per stock market analysts.
According to stock market analysts, its share price would be between ₹2540 to ₹3025 in 2029.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2029 | 2540 | 3025 |
The company has many branches across India. These branches are present in cities, towns, and villages. Many customers prefer to visit a branch and speak directly with staff before taking a loan. The employees explain loan details in simple words, so customers understand the interest rate, instalment amount, and repayment time clearly. Having many branches helps the company stay connected with customers and understand local needs better. In 2030, its share price target would be ₹3473, as per stock market analysts.
According to stock market analysts, its share price would be between ₹2970 to ₹3473 in 2030.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2030 | 2970 | 3473 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 2970 | 3110 |
| February | 3021 | 3147 |
| March | 3054 | 3178 |
| April | 3074 | 3200 |
| May | 3090 | 3235 |
| June | 3125 | 3265 |
| July | 3157 | 3290 |
| August | 3172 | 3325 |
| September | 3190 | 3358 |
| October | 3225 | 3378 |
| November | 3258 | 3435 |
| December | 3290 | 3473 |
It serves millions of customers in India. Its customers include individuals, drivers, small business owners, shopkeepers, and companies. Many people depend on the company to buy vehicles, expand their business, or manage personal expenses. The company is known for giving financial help on time. Because the loan process is simple and fair, customers feel confident and safe. Many happy customers recommend the company to their friends and relatives. In 2040, its share price target would be ₹6374, as per stock market analysts.
According to stock market analysts, its share price would be between ₹5800 to ₹6374 in 2040.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2040 | 5800 | 6374 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 5800 | 5987 |
| February | 5845 | 6021 |
| March | 5887 | 6058 |
| April | 5900 | 6087 |
| May | 5921 | 6100 |
| June | 5952 | 6142 |
| July | 5978 | 6175 |
| August | 6011 | 6200 |
| September | 6022 | 6236 |
| October | 6030 | 6274 |
| November | 6077 | 6325 |
| December | 6121 | 6374 |
The company uses modern technology to make services faster and easier. Customers can apply for loans online without going to a branch. They can check their loan details and pay their instalments using the mobile app or website. The app is easy to use and saves time. Online payments reduce paperwork and make the process smooth. At the same time, the company keeps its branch services active for people who prefer face-to-face help. In 2050, its share price target would be ₹9120, as per stock market analysts.
According to stock market analysts, its share price would be between ₹8550 to ₹9120 in 2050.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2050 | 8550 | 9120 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 8550 | 8722 |
| February | 8587 | 8778 |
| March | 8610 | 8800 |
| April | 8634 | 8862 |
| May | 8645 | 8890 |
| June | 8687 | 8921 |
| July | 8700 | 8942 |
| August | 8725 | 8974 |
| September | 8742 | 9021 |
| October | 8765 | 9055 |
| November | 8778 | 9087 |
| December | 8835 | 9120 |
Should I buy Shriram Finance stock?
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2026 | 760 | 1619 |
| 2027 | 1581 | 2104 |
| 2028 | 2074 | 2570 |
| 2029 | 2540 | 3025 |
| 2030 | 2970 | 3473 |
| 2040 | 5800 | 6374 |
| 2050 | 8550 | 9120 |
The company’s financial results show strong growth over the years. Its total income has increased, and it has grown faster in recent years. Interest income has also gone up, which means the company is giving more loans and earning more from them. Net profit and earnings per share have also increased, which is good for shareholders. The company gives some part of its profit as dividends and keeps the rest for future growth. Overall, the company shows steady growth, better profits, and strong financial performance.
Shriram Finance earnings results
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
| Revenue + | 16,561 | 17,422 | 19,255 | 30,492 | 34,973 | 43,941 | 47,074 |
| Interest | 8,313 | 9,089 | 9,773 | 12,987 | 14,868 | 18,529 | 21,409 |
| Expenses + | 4,683 | 4,932 | 5,816 | 8,706 | 9,877 | 12,279 | 12,862 |
| Financing Profit | 3,565 | 3,402 | 3,666 | 8,799 | 10,228 | 13,132 | 12,803 |
| Financing Margin % | 22% | 20% | 19% | 29% | 29% | 30% | 27% |
| Other Income + | 14 | 14 | 18 | 16 | 225 | 157 | 47 |
| Depreciation | 141 | 137 | 135 | 601 | 569 | 645 | 695 |
| Profit before tax | 3,439 | 3,278 | 3,549 | 8,214 | 9,884 | 12,644 | 12,155 |
| Tax % | 27% | 24% | 24% | 27% | 25% | 24% | |
| Net Profit + | 2,512 | 2,499 | 2,721 | 6,020 | 7,399 | 9,576 | 9,147 |
| EPS in Rs | 19.86 | 17.71 | 20.12 | 32.11 | 39.20 | 50.81 | 48.63 |
| Dividend Payout % | 5% | 18% | 20% | 22% | 23% | 19% |
Key Metrics
| TTM PE Ratio | PB Ratio | Dividend Yield | Sector PE | Sector PB | Sector Div Yld |
| 21.65 | 3.51 | 0.94% | 18.08 | 2.46 | 0.98% |
Peers & Comparison
| Stock | PE Ratio | PB Ratio | Dividend Yield |
| Shriram Finance Ltd | 20.73 | 3.51 | 0.94% |
| Bajaj Finance Ltd | 36.55 | 6.15 | 0.57% |
| Jio Financial Services Ltd | 98.10 | 1.28 | 0.20% |
| Cholamandalam Investment and Finance Company Ltd | 34.05 | 6.13 | 0.12% |
Is Shriram Finance stock good to buy? (bull case & bear case)
Bull Case:
- In FY 2025, the company managed loan assets of around ₹2,70,000 crore, which shows its lending business is very large and growing.
- The company earned a net profit of around ₹7,000 crore in FY 2025, which shows it is making strong profits.
- Its net interest income was above ₹19,000 crore in FY 2025, meaning it earns good income from giving loans.
- It maintained a return on equity of around 15–16 %, which means it is using investors’ money in a good and efficient way.
- Gross NPA stayed around 5 %, which shows loan defaults are under control at a manageable level.
- The company has a big branch network across India, which helps it grow more in small towns and rural areas.
Bear Case:
- Gross NPA is around 5 %, which is higher than many big private banks, so there is some risk of unpaid loans.
- The company gives many loans to transport operators and rural customers, which can be risky during an economic slowdown.
- Strong competition from banks and other NBFCs can slow down its business growth.
Conclusion
Shriram Finance is one of the leading NBFC companies in India and has a strong presence in villages, small towns, and semi-urban areas. The company has grown steadily over the years, with higher income, better profits, and improving earnings, which shows that its business is doing well. It has a large loan business, many branches across India, and mainly supports small business owners, drivers, and self-employed people, which gives it good future growth chances.
