Vivriti Finance Unlisted Shares
Vivriti Capital Limited is a Chennai-based middle-layer NBFC that lends to mid-market companies in India. Its group had assets under management of INR 13,181 Cr at the end of FY25.
Read the full company profileVivriti Finance share details
- Lot size
- 100 shares
- Min. investment
- ₹42,500
- Face value
- ₹10
- Implied market cap
- ₹4,645 Cr
- Shares outstanding
- 109,298,331
- Founded
- 2017
- Headquarters
- Chennai, Tamil Nadu
- Website
- vivriticapital.com
- ISIN
- INE01HV01018
- CIN
- U65929TN2017PLC117196
- Lock-in after IPO
- 6 months
Vivriti Finance share price chart
Indicative off-market dealer quotes, not exchange prices. A flat stretch means the quote did not change on those days.
About Vivriti Finance
Strengths
- Strong growth at group level: AUM rose 24.6% to INR 13,181 Cr in FY25 and group revenue grew 28.9% to INR 1,429.1 Cr, per the company's press release.
- Profitable and growing: group profit after tax rose 27.2% to INR 219.2 Cr in FY25, after adjusting for a one-time gain in FY24.
- Standalone NBFC earned profit after tax of INR 22,004.08 lakh on total revenue from operations of INR 134,711.18 lakh in FY25, with basic EPS of INR 22.91.
- Wide client base: the group says it has financed 495+ mid-market enterprises across 55+ sectors and 20+ states.
- Capital adequacy stood at 20.51% on 31 December 2025 and net worth at INR 231,786.61 lakh, giving room to keep lending.
- The group says it has raised INR 1,400 crore of equity since inception, and return on equity was 12.1% in FY25.
Risks
- Leverage is high: total debts to total assets was 74.63% on 31 December 2025, so the company depends on steady access to borrowings and debt markets.
- Asset quality has weakened on the standalone books: gross NPA was 2.44% on 31 December 2025 against 1.90% a year earlier, and net NPA was 0.88% against 0.58%.
- Impairment on financial instruments rose to INR 21,511.77 lakh in the nine months to December 2025 from INR 12,069.08 lakh a year earlier, which weighs on profit.
- Profit growth has slowed: nine-month profit after tax was INR 16,029.18 lakh against INR 16,015.20 lakh a year earlier, almost flat.
- Finance costs are the largest expense at INR 62,232.66 lakh for nine months to December 2025, so interest-rate moves affect margins directly.
- Group quarterly profit fell 4% to INR 60.1 Cr in Q4 FY25, as the company spent more on technology and market expansion.
- Lending is to mid-market companies, which can be more sensitive to economic slowdowns than large corporates.
- NBFCs are regulated by the RBI, so changes in rules on capital, provisioning or lending can affect the business.
- The company is unlisted, so its shares trade off-market at indicative prices with limited liquidity and no exchange price discovery.
Vivriti Finance financial performance
Revenue, profit and balance-sheet figures by fiscal year.
| Metric | FY25Latest |
|---|---|
| Revenue (₹ Cr) | 1,347 |
| PAT (₹ Cr) | 220 |
| PAT Margin (%) | 16.33 |
| EPS (₹) | 22.91 |
Swipe the table sideways for earlier years →
Management team
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Vivriti Finance unlisted shares: common questions
Important disclaimer
Unlisted shares are not traded on stock exchanges. Prices shown are indicative and based on off-market transactions; they may differ from eventual listing or future market prices. Exit liquidity depends on counter-party availability. SEBI mandates a 6-month lock-in on pre-IPO shares post-listing. Gains held beyond 24 months are taxed at 12.5% LTCG (no indexation). IPO Guru is not a SEBI Registered Investment Advisor. Information here is for general awareness, not personalised investment advice. Please consult your tax advisor before investing.
