Viji Finance Ltd
₹ 3.28
1.55%
13 Apr
- close price
About
Incorporated in 1994, Viji Finance Ltd is in the business of offering financial services.[1]
Key Points
- Market Cap ₹ 47.2 Cr.
- Current Price ₹ 3.28
- High / Low ₹ 4.64 / 1.97
- Stock P/E 39.6
- Book Value ₹ 1.47
- Dividend Yield 0.00 %
- ROCE 2.42 %
- ROE 1.01 %
- Face Value ₹ 1.00
Pros
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Promoter holding has decreased over last quarter: -0.69%
- Company has a low return on equity of 1.79% over last 3 years.
- Company might be capitalizing the interest cost
- Earnings include an other income of Rs.0.59 Cr.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Loading peers table ...
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.30 | 1.32 | 1.37 | 1.61 | 2.31 | 1.76 | 0.99 | 0.94 | 1.22 | 2.09 | 1.93 | 2.58 | 3.33 | |
| Interest | 0.11 | 0.04 | 0.06 | 0.07 | 0.04 | 0.05 | 0.03 | 0.04 | 0.06 | 0.19 | 0.20 | 0.50 | 0.59 |
| 0.32 | 0.31 | 0.69 | 0.55 | 0.32 | 0.99 | 0.71 | 0.26 | 0.63 | 0.94 | 1.17 | 1.86 | 1.58 | |
| Financing Profit | 0.87 | 0.97 | 0.62 | 0.99 | 1.95 | 0.72 | 0.25 | 0.64 | 0.53 | 0.96 | 0.56 | 0.22 | 1.16 |
| Financing Margin % | 66.92% | 73.48% | 45.26% | 61.49% | 84.42% | 40.91% | 25.25% | 68.09% | 43.44% | 45.93% | 29.02% | 8.53% | 34.83% |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.05 | 0.00 | 0.00 | 0.35 | 0.59 | |
| Depreciation | 0.03 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.08 | 0.35 | 0.36 | 0.35 | 0.33 |
| Profit before tax | 0.84 | 0.92 | 0.57 | 0.94 | 1.91 | 0.67 | 0.20 | 0.59 | 0.50 | 0.61 | 0.20 | 0.22 | 1.42 |
| Tax % | 30.95% | 35.87% | 40.35% | 36.17% | 25.65% | 49.25% | 25.00% | 25.42% | 10.00% | 26.23% | 40.00% | 22.73% | |
| 0.58 | 0.60 | 0.34 | 0.61 | 1.42 | 0.34 | 0.14 | 0.44 | 0.44 | 0.44 | 0.12 | 0.17 | 1.19 | |
| EPS in Rs | 0.04 | 0.04 | 0.02 | 0.04 | 0.10 | 0.02 | 0.01 | 0.03 | 0.03 | 0.03 | 0.01 | 0.01 | 0.09 |
| Dividend Payout % | 64.66% | 37.50% | 66.18% | 12.30% | 5.81% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 7% |
| 5 Years: | 21% |
| 3 Years: | 28% |
| TTM: | 46% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -12% |
| 5 Years: | 4% |
| 3 Years: | -27% |
| TTM: | 370% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 47% |
| 3 Years: | 22% |
| 1 Year: | 44% |
| Return on Equity | |
|---|---|
| 10 Years: | 4% |
| 5 Years: | 3% |
| 3 Years: | 2% |
| Last Year: | 1% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 7.50 | 7.50 | 7.50 | 7.50 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | 14.25 | 14.25 |
| Reserves | 0.56 | 0.88 | 0.96 | 1.47 | 2.15 | 2.38 | 2.53 | 2.97 | 3.41 | 3.85 | 3.97 | 7.14 | 6.71 |
| Borrowing | 0.71 | 0.45 | 1.05 | 2.58 | 2.72 | 3.48 | 3.84 | 3.55 | 4.72 | 9.27 | 13.36 | 12.59 | 11.55 |
| 0.77 | 0.51 | 0.51 | 0.53 | 0.76 | 0.91 | 1.13 | 1.02 | 1.18 | 1.32 | 0.95 | 1.08 | 1.93 | |
| Total Liabilities | 9.54 | 9.34 | 10.02 | 12.08 | 13.88 | 15.02 | 15.75 | 15.79 | 17.56 | 22.69 | 26.53 | 35.06 | 34.44 |
| 0.27 | 0.24 | 0.45 | 0.34 | 0.30 | 0.28 | 0.24 | 0.19 | 0.68 | 2.30 | 1.95 | 1.71 | 1.55 | |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.02 | 0.11 | 0.03 | 0.13 | 0.15 | 0.41 | 0.16 | 0.15 | 0.16 | 0.15 | 0.05 | 0.05 | 0.05 |
| 9.25 | 8.99 | 9.54 | 11.61 | 13.43 | 14.33 | 15.35 | 15.45 | 16.72 | 20.24 | 24.53 | 33.30 | 32.84 | |
| Total Assets | 9.54 | 9.34 | 10.02 | 12.08 | 13.88 | 15.02 | 15.75 | 15.79 | 17.56 | 22.69 | 26.53 | 35.06 | 34.44 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.12 | 0.84 | 0.24 | -1.01 | -0.40 | -0.69 | -0.46 | 0.73 | -1.05 | -2.47 | -4.15 | -2.88 | |
| -0.01 | -0.10 | -0.25 | -0.05 | -0.02 | -0.39 | 0.16 | -0.02 | -0.58 | -1.96 | 0.09 | -0.11 | |
| -1.30 | -0.57 | 0.27 | 1.31 | 0.10 | 0.74 | 0.36 | -0.30 | 1.18 | 4.47 | 4.17 | 8.24 | |
| Net Cash Flow | -0.19 | 0.17 | 0.26 | 0.25 | -0.33 | -0.34 | 0.05 | 0.41 | -0.46 | 0.04 | 0.11 | 5.25 |
| Free Cash Flow | 1.11 | 0.82 | -0.12 | -0.95 | -0.40 | -0.71 | -0.48 | 0.73 | -1.63 | -4.44 | -4.16 | -2.99 |
| CFO/OP | 114% | 83% | 35% | -85% | -12% | -29% | -164% | 107% | -178% | -215% | -534% | -389% |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 10.52% | 7.30% | 4.04% | 7.00% | 14.66% | 3.23% | 1.31% | 4.00% | 3.85% | 3.70% | 0.99% | 1.01% |
Insights
In beta| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Loan Portfolio INR Lakhs |
|
||||||||||
| Gross NPA Percentage % |
|||||||||||
| Number of Employees Count |
|||||||||||
| Gross Non-Performing Assets (GNPA) INR Lakhs |
|||||||||||
Requires Premium
Requires Premium
Documents
Announcements
-
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
7 Apr - Certificate under Regulation 74(5) of the SEBI (Depository and Participants) Regulations , 2018 for the quarter ended on 31st March, 2026.
-
Intimation Regarding SEBI Circular Dated January 30, 2026 - Ease Of Doing Investment - Special Window For Transfer And Dematerialization Of Physical Securities.
6 Apr - Special window for transfer/demat of physical securities open February 5, 2026 to February 4, 2027.
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
2 Apr - Compliance under Regulation 47 of the SEBI (LODR), 2015.
- Submission Of Notice Of Extra-Ordinary General Meeting Scheduled To Be Held On Thursday, 23Rd April, 2026 At 11.30 A.M. (IST) Through Video Conferencing ('VC')/ Other Audio-Visual Means ('OAVM') 1 Apr
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
26 Mar - Compliance under Regulation 47 of the SEBI (LODR), 2015.
Annual reports
-
Financial Year 2025
from bse
-
Financial Year 2024
from bse
-
Financial Year 2023
from bse
-
Financial Year 2022
from bse
-
Financial Year 2021
from bse
-
Financial Year 2020
from bse
-
Financial Year 2019
from bse
-
Financial Year 2018
from bse
-
Financial Year 2017
from bse
-
Financial Year 2016
from bse
-
Financial Year 2015
from bse
-
Financial Year 2014
from bse
-
Financial Year 2013
from bse
Business Overview:[1]
VFL is registered as a non-systemically
Important non-deposit Accepting non-banking
Financial Company which is engaged in providing financial services.