Flash Finance

Viji Finance LimitedVIJIFINBank / NBFC

Finance & Investments Latest results: Dec 2023 13 quarters of data
Consolidated Standalone
₹16.66
MCap ₹385 Cr · P/E n/m
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🏭 Financial Services sector
AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹1 Cr
Interest Earned · Dec 2023
+50.0% YoY
—
Operating Profit · Dec 2023
₹0 Cr
Net Profit · Dec 2023
+200.0% YoY
₹0.00
EPS · Dec 2023
—
Gross NPA % · Dec 2023
—
Net NPA % · Dec 2023

📝 Viji Finance Limited — results explained

Quarter ended December 2023 (Q3 FY24)

Viji Finance Limited reported total income of ₹1 crore for the quarter ended December 2023 (Q3 FY24), up 50.0% from ₹0 crore in the same quarter last year, and up 21.4% sequentially over the September 2023 quarter.

Of this, interest earned contributed ₹1 crore and other income ₹0 crore. Net interest income (interest earned minus interest expended of ₹0 crore) worked out to ₹0 crore.

The company swung to a net profit of ₹0 crore from a net loss of ₹0 crore a year earlier.

Full year and trailing twelve months

For the full year FY24, Viji Finance Limited posted total income of ₹1 crore, a decline of 32.7% over FY23, with a net profit of ₹0 crore (down 62.5% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹2 crore with a net profit of ₹0 crore.

Valuation snapshot

At the current price of ₹16.66, VIJIFIN has a market capitalisation of ₹385 crore and a P/E that is not meaningful, because trailing profit is close to zero.

Within the Finance & Investments industry, it is the 25th-largest of the 117 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 30.07%, domestic institutional investors (DIIs) 0.15%, public shareholders 69.77% of Viji Finance Limited.

Promoter holding slipped from 30.86% to 30.07% over the latest period.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹385 Cr
Current Price ?
₹16.7
P/E ?
n/m
Industry P/E ?
18.90
P/B ?
7.58
P/S ?
209.16
P/FCF ?
175.73
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
N/A
Earnings Yield ?
N/A
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
₹2 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹0 Cr
EPS (TTM) ?
₹0.00
ROCE ?
N/A
ROE ?
0.0%
ROA ?
0.0%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹1 Cr
PAT — latest qtr ?
₹0 Cr
YoY qtr sales growth ?
50.0%
YoY qtr profit growth ?
200.0%
Sales growth (3y) ?
14%
Sales growth (5y) ?
-5%
Profit growth (3y) ?
-32%
Profit growth (5y) ?
-16%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
30.07%
Change in promoter holding ?
-23.64%
Pledged percentage ?
N/A
Market
Return 3 months ?
97.9%
Return 6 months ?
407.9%

🗓️ Quarterly results (13 quarters · ₹ Cr)

same fiscal quarter as Dec bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023 YoY % QoQ %
Interest Earned 0000001100001 +50.0% +21.4%
Other Income 0000000000000 — —
Total Income 0000001100001 +50.0% +21.4%
Interest Expended 0000000000000 -25.0% +50.0%
Operating Profit ————————————— — —
Provisions ————————————— — —
Profit Before Tax 00000000-0-0000 +200.0% -57.1%
Net Profit 00000000-0-0000 +200.0% -40.0%
EPS 0.000.010.010.000.000.000.020.020.00-0.010.000.000.00 — —
Gross NPA % — — — — — — — — — — — — — — —
Net NPA % — — — — — — — — — — — — — — —
Capital Adequacy Ratio — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY23 FY24 TTM YoY %
Interest Earned ₹2 Cr ₹1 Cr ₹2 Cr -32.4%
Other Income ₹0 Cr ₹0 Cr ₹0 Cr -100.0%
Total Income ₹2 Cr ₹1 Cr ₹2 Cr -32.7%
Interest Expended ₹0 Cr ₹0 Cr ₹0 Cr -35.0%
Net Interest Income ₹2 Cr ₹1 Cr ₹2 Cr -32.1%
Operating Profit — — — —
Provisions — — — —
Profit Before Tax ₹1 Cr ₹0 Cr ₹0 Cr -66.1%
Tax — — — —
Net Profit ₹0 Cr ₹0 Cr ₹0 Cr -62.5%
EPS ₹0.03 ₹0.00 ₹-0.01 -100.0%

🏛️ Balance Sheet (latest 5 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026 % Chg
Equity Capital 8.258.2514.2514.2523 +62.1%
Reserves 3.853.977.149.1128 +204.0%
Borrowing 9.2713.3612.597.253 -53.4%
Other Liabilities 1.320.951.083.042 -23.4%
Total Liabilities 22.6926.5335.0633.6556 +67.9%
Fixed Assets 2.301.951.711.381 -9.4%
CWIP 0.000.000.000.000 —
Investments 0.150.050.051.951 -62.1%
Other Assets 20.2424.5333.3030.3255 +79.8%
Total Assets 22.6926.5335.0633.6556 +67.9%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -2.47-4.15-2.882.19 +176.0%
Cash from Investing Activity -1.960.09-0.11-1.90 -1627.3%
Cash from Financing Activity 4.474.178.24-5.35 -164.9%
Net Cash Flow 0.040.115.25-5.06 -196.4%
Free Cash Flow -4.44-4.16-2.992.19 +173.2%
CFO/OP -215%-534%-389%68% +117.5%

💧 Half-year Cash Flow (latest 1 periods)

Metric Sep 2026 % Chg
Cash from Operating Activity -21 —
Cash from Investing Activity 1 —
Cash from Financing Activity 21 —
Net Cash Flow 1 —

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 3.70%0.99%1.01%8.80% +771.3%

👥 Shareholding (latest 6 periods)

Metric Dec 2025Mar 2026Jun 2026Jul 2026Aug 2026Sep 2026 % Chg
Promoters 53.02%47.68%39.31%35.49%30.86%30.07% -2.6%
DIIs 0.00%0.25%0.21%0.19%0.16%0.15% -6.3%
Public 46.99%52.07%60.49%64.32%68.98%69.77% +1.1%
No. of Shareholders 62,15061,97360,31959,96159,52157,936 -2.7%

⚖️ Peer comparison

Industry: Finance & Investments · top 25 of 117 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 LICI Life Insurance ₹398.20 503,723 8.4 881,845 60,055 -7.5% 6.8% 10.0% 18.9% -43.2% 24.0%
2 SBILIFE SBI Life ₹1,671.70 167,740 67.9 112,315 2,471 0.7% 2.2% -3.9% 2.4% -82.4% -1.1%
3 ICICIGI ICICI Lombard ₹1,508.90 75,386 29.5 27,196 2,556 5.4% 9.4% 12.7% 10.6% -3.2% 15.4%
4 ICICIPRULI ICICI Prudential ₹496.90 72,089 44.8 63,356 1,608 0.3% 2.5% -10.5% 35.7% -79.7% 62.1%
5 GICRE General Insurance ₹337.75 59,255 6.7 51,723 8,877 16.9% 17.2% 6.8% 30.0% -8.6% -31.1%
6 MFSL Max Financial ₹1,585.90 54,444 492.4 49,823 137 0.5% 0.3% 2.6% -73.9% 16.7% 37.5%
7 STARHEALTH Star Health ₹555.55 32,689 38.7 18,509 844 4.4% 4.6% 10.7% -13.8% 16.2% 109.0%
8 NIACL New India ₹171.56 28,273 36.7 49,363 771 -1.3% 1.6% 14.3% 36.4% -3.6% -160.7%
9 GODIGIT Go Digit ₹250.90 23,196 47.1 10,128 492 0.7% 4.9% 6.8% 28.0% 5.5% -37.4%
10 FIVESTAR Five-Star Business ₹549.40 16,218 14.7 3,293 1,103 11.0% 33.5% 13.3% 2.3% 5.9% 2.0%
11 NIVABUPA Niva Bupa ₹74.77 13,830 38.1 7,598 360 4.2% 4.7% 24.6% -38.5% 65.8% 251.4%
12 PRUDENT Prudent Corporate ₹3,123.30 12,933 52.8 1,372 246 24.2% 17.9% 19.5% 13.8% 18.2% 43.8%
13 EDELWEISS Edelweiss Financial ₹126.74 11,996 17.1 10,508 711 27.5% 6.8% 12.5% 27.1% 3.7% 30.5%
14 IIFLCAPS IIFL Capital ₹344.80 10,867 18.8 2,433 572 35.0% 23.5% 0.6% -20.8% 2.3% 4.6%
15 SBFC SBFC Finance ₹87.70 9,745 20.1 1,783 480 9.8% 26.9% 28.6% 30.7% 26.7% 28.8%
16 RELIGARE Religare Enterprises ₹223.35 7,700 n/m 8,953 18 0.7% 0.2% 14.8% -60.3% 26.5% -687.3%
17 PAISALO Paisalo Digital ₹76.83 7,023 29.4 943 237 0.0% 25.1% 22.0% 19.1% 33.8% 56.5%
18 FEDFINA Fedbank Financial ₹150.76 5,655 12.9 2,563 434 12.9% 16.9% 7.1% 52.2% 34.3% 63.4%
19 MASFIN MAS Financial ₹288.85 5,241 13.3 2,092 398 7.1% 19.0% 24.8% 19.4% 20.3% 26.6%
20 NORTHARC Northern Arc ₹301.00 4,865 12.0 2,705 404 0.0% 14.9% 14.8% 34.2% 22.7% 250.0%
21 PILANIINVS Pilani Investment ₹4,020.00 4,451 — 248 -12 87.1% -4.9% -6.4% -68.5% -70.9% -1075.5%
22 SHAREINDIA Share India ₹183.78 4,022 11.1 1,577 364 40.1% 23.1% 1.5% -1.2% 31.4% 48.1%
23 KIRLOSIND Kirloskar Industries ₹3,690.00 3,878 50.6 113 76 71.5% 67.0% 9.0% -2.1% -27.9% -9.4%
24 INDOSTAR IndoStar Capital ₹239.15 3,866 — 1,417 -395 6.6% -27.8% 74.4% 15.7% -76.0% -97.9%
25 VIJIFIN Viji Finance ₹15.93 368 59.9 9 6 40.1% 64.9% 79.5% 1008.3% 332.2% 1611.0%
❓ Frequently asked questions
What was Viji Finance Limited's total income in Q3 FY24?
Viji Finance Limited reported total income of ₹1 crore for the quarter ended December 2023 (Q3 FY24), up 50.0% from ₹0 crore in the same quarter last year, and up 21.4% sequentially over the September 2023 quarter.
What was Viji Finance Limited's net profit in Q3 FY24?
The company swung to a net profit of ₹0 crore from a net loss of ₹0 crore a year earlier.
What is VIJIFIN's market capitalisation and P/E ratio?
At the current price of ₹16.66, VIJIFIN has a market capitalisation of ₹385 crore and a P/E that is not meaningful, because trailing profit is close to zero.
Who owns Viji Finance Limited? (shareholding pattern)
As of Sep 2026, promoters held 30.07%, domestic institutional investors (DIIs) 0.15%, public shareholders 69.77% of Viji Finance Limited.
TTM ends 2023-12-31. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI