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Viji Finance Ltd

Viji Finance

Small Cap•7 Employees•IPO 1996
Current Price
₹2.63
0.12 (4.78%)Updated
NSE :VIJIFIN
BSE :537820
Sector :Financial Services
Today's Range
2.42
₹2.63
indicator
2.63
52 Week Range
52W Low₹1.99
52W High₹4.60
₹2.63
indicator
Downside32.16%
Upside74.90%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

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Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹33.69 Cr
Market Cap
Total market value of company
P/E Ratio
28.28
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
2.18
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹0.09
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
2.73%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
1.41%
ROCE
Return on Capital Employed. >15% is good
Net Margin
55.10%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
-6.03%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
18.64%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
-%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
-%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
0.59
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹1.50
Book Value
Net asset value per share
Dividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
0.00%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

0 points

    Weaknesses

    0 points

      Opportunities

      0 points

        Threats

        0 points

          Segment-wise Financial Analysis

          Fetching Financials...
          Fetching Balance Sheet...
          Fetching Cash Flow...

          Shareholding Pattern

          Loading shareholding data...

          Company Insider Trading Activity

          No insider trading data available

          Corporate Action

          Company Announcements

          Technical Analysis & Indicators

          Standard pivot points - most widely used

          Pivot Points (CLASSIC)

          LevelPriceDistance% Change
          R4₹3.12+₹0.49+18.63%
          R3₹2.91+₹0.28+10.65%
          R2₹2.77+₹0.14+5.32%
          R1₹2.70+₹0.07+2.66%
          PIVOT₹2.56-0.07-2.66%
          CURRENT₹2.63--
          S1₹2.07-₹0.56-21.29%
          S2₹2.28-₹0.35-13.31%
          S3₹2.35-₹0.28-10.65%
          S4₹2.49-₹0.14-5.32%
          CPR Levels
          Support
          Resistance
          S4
          S3
          S2
          S1
          | CPR |
          BC: N/AP: N/ATC: N/A
          R1
          R2
          R3
          R4
          indicator
          LTP: N/A
          PDH: N/A
          PDL: N/A
          ● Market Sentiment

          is trading CPR, indicating

          ● CPR Width

          CPR is

          ● Opening Range

          Day's range: ~

          ● Price Position

          Trading Inside opening range

          Delivery Volume Analysis & Trading Activity

          Latest Volume
          7.43L
          (12 Mar 2026)
          +52.5% vs avg
          Delivery %
          77.2%
          (12 Mar 2026)
          -0.9% vs avg
          Avg Volume (20D)
          4.88L
          (12 Feb - 12 Mar)
          20-day average
          Avg Delivery %
          78.1%
          (12 Feb - 12 Mar)
          Trend ↓
          Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

          Peer Comparison & Industry Benchmarking

          Quick Compare

          Largest by Market Cap
          Indian Railway Finance Corporation Ltd
          1.48L ₹ Cr
          Best Profit Growth
          Williamson Magor & Company Ltd
          101.00 %
          Highest Dividend Yield
          Indian Railway Finance Corporation Ltd
          1.64 %

          Peer Comparison

          Company Name
          IRFC
          Indian Railway Finance Corporation Ltd
          TCIFINANCE
          TCI Finance Ltd
          WILLAMAGOR
          Williamson Magor & Company Ltd

          About

          VIJIFIN

          Viji Finance Ltd

          Viji Finance Limited is a non-banking finance company (NBFC) operating within India, offering a diverse range of financial products and services catering to both individual and corporate clients. Its primary business revolves around facilitating access to credit and financial solutions across various sectors.

          For individual borrowers, Viji Finance provides personal loans to meet a variety of needs, ranging from debt consolidation to home improvements or other personal expenses. They also offer gold loans, a common financing option in India using gold jewelry or other gold assets as collateral. This segment of their business targets individuals requiring relatively quick access to funds, with gold loans offering a secure and readily available borrowing option.

          On the corporate side, Viji Finance extends its services to businesses through business loans designed to support various operational and growth needs. This encompasses a broader spectrum of financing options tailored to the specific requirements of companies of varying sizes and industries. Beyond business loans, they are also actively involved in corporate finance, providing advisory and financial services to assist businesses with strategic planning, mergers, acquisitions, and other capital-related activities.

          Further demonstrating the breadth of their services, Viji Finance participates in infrastructure and project finance. This segment likely involves larger-scale financing initiatives related to infrastructure development projects. This highlights their ability to handle significant financial transactions and support large-scale economic development endeavors. This type of financing typically involves intricate financial structuring and risk assessment. Overall, their infrastructure and project finance activities showcase a commitment to contributing to broader economic growth within India.

          In summary, Viji Finance Limited's business model centers around providing a comprehensive suite of financial products and services, spanning personal and business loans, gold loans, and significant involvement in corporate and infrastructure financing. Their long history in the Indian financial market, starting from their incorporation in 1994, establishes their presence and experience within the industry. The company's diverse portfolio allows them to reach a broad base of clients and contribute to diverse sectors of the Indian economy.

          COMPANY FACTS - VIJIFIN

          Registered Address

          11/2 Jaora Compound, Ushaganj

          Indore

          MADHYA PRADESH

          IN

          Tel: 917314246092

          Website:https://vijifinance.com/

          Investor Relations:http://vijifinance.com/investors-relations/
          Company Details

          Group: Financial Services

          Sector: Financials

          Industry: Financial Services

          Exchange: NATIONAL STOCK EXCHANGE OF INDIA

          Employees: 7

          IPO Date: 05/02/1996

          MANAGEMENT - VIJIFIN

          Mr. Vijay Kothari

          Chairman of the Board, Managing Director

          Mr. Siddhant Sharma

          Chief Financial Officer

          Ms. Stuti Sinha

          Compliance Officer, Company Secretary

          Mr. Nitesh Gupta

          Whole-Time Director

          Mr. Aryaman Kothari

          Additional Non-Executive Director

          Mr. Nikhilkumar Sanghvi

          Additional Non-Executive Non-Independent Director

          Mr. Anchit Garg

          Additional Non-Executive Independent Director

          Ms. Palak Malviya

          Non-Executive Independent Director

          Mr. Suresh Suresh

          Non-Executive Independent Director

          Investor Questions Answered

          Viji Finance Ltd (VIJIFIN) Stock FAQs

          Get answers to the most common questions about Viji Finance Ltd stock price, fundamentals, financial metrics, and investment analysis

          The current share price of Viji Finance Ltd (VIJIFIN) is ₹2.63. Today, the stock has gained by ₹0.12 (4.78%), trading in a range of ₹2.42 to ₹2.63. The stock opened at ₹2.59 with a trading volume of 7,43,491 shares.
          Viji Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹33.69 crores, P/E ratio of 28.28, ROE of 2.73%, and ROCE of 1.41%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
          The 52-week high price of Viji Finance Ltd (VIJIFIN) is ₹4.6, while the 52-week low is ₹1.99. Currently trading at ₹2.63, the stock is 24.5% away from its 52-week low and 42.8% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
          Whether to buy Viji Finance Ltd stock at ₹2.63 depends on multiple factors. The stock is currently trading with a P/E ratio of 28.28 and P/B ratio of N/A. Today's performance shows a gain of 4.78%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
          Viji Finance Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹2.63, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹1.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
          Viji Finance Ltd's key financial metrics include: P/E Ratio: 28.28, P/B Ratio: N/A, ROE: 2.73%, ROCE: 1.41%, Dividend Yield: 0.00%, EPS: ₹0.09, Book Value: ₹1.5, Debt-to-Equity: 0.59, and Current Ratio: N/A. The company's market cap stands at ₹33.69 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
          Viji Finance Ltd stock opened at ₹2.59 and is currently trading at ₹2.63, showing a gain of ₹0.12 (4.78%). The intraday high is ₹2.63 and low is ₹2.42. The trading volume stands at 7,43,491 shares, indicating moderate market participation today.
          Viji Finance Ltd has a Price-to-Earnings (P/E) ratio of 28.28, which means investors are willing to pay ₹28.28 for every ₹1 of earnings. With an EPS of ₹0.09, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
          Viji Finance Ltd has a market capitalization of ₹33.69 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹2.63) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
          Viji Finance Ltd has a book value of ₹1.5 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹2.63, which is 75.3% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
          Viji Finance Ltd has a Return on Equity (ROE) of 2.73% and Return on Capital Employed (ROCE) of 1.41%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
          Viji Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
          Viji Finance Ltd has a debt-to-equity ratio of 0.59, which measures the company's financial leverage by comparing total debt to shareholders' equity. This moderate ratio indicates balanced use of debt and equity. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
          Viji Finance Ltd has an Earnings Per Share (EPS) of ₹0.09, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹2.63 and P/E ratio of 28.28, investors are paying 28.28 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
          Viji Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
          Viji Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
          To analyze Viji Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (28.28), ROE (2.73%), debt-to-equity (0.59), and growth rates. 2) Technical Analysis - Check 52-week range (₹1.99 - ₹4.60), moving averages, and chart patterns. 3) Valuation - Compare current price (₹2.63) with book value (₹1.50) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
          The face value (or par value) of Viji Finance Ltd share is ₹1.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹2.63 is 163x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
          Investing in Viji Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹1.99 - ₹4.60). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.59 indicates leverage. 4) Liquidity Risk - Based on trading volume of 7,43,491 shares. 5) Valuation Risk - P/E of 28.28 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
          Viji Finance Ltd operates in the industry with key metrics: P/E ratio of 28.28, ROE of 2.73%, market cap of ₹33.69 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.59), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
          Target prices for Viji Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹2.63, with a 52-week range of ₹1.99 to ₹4.60. Based on fundamentals like P/E (28.28), ROE (2.73%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
          Consider selling Viji Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹2.63. 2) Fundamental Deterioration - Declining ROE (currently 2.73%), increasing debt (D/E: 0.59), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
          Tax implications for Viji Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.