Shriram Capital Limited
Lot of companies manage financial investments but true test lies in investing faith and multiplying it for the clients
About Us


'Serving the under-served’, ‘Addressing the bottom of the pyramid’, ‘Inclusive financing’ are all phrases that have become common place in the corporate world today. Whether it is the Chit Fund business, Transport & Equipment Finance business, Consumer Finance business or even the huge deposit customer base of Shriram ,over 90% of the 10.2 million customers of the group come under the purview of the under-served.


Chit Funds in 1974 and Transportation Finance in 1978 were all started in South India; Shriram Group’s business strategy of providing a competitive platform to capture the savings and borrowing wallets of the middle and lower income groups found immediate acceptance in the southern states and enabled the group to successfully establish itself in every nook and corner of South India. As Shriram became a household name in the four southern states, the group ventured into the other three regions through their transportation business where again the target market was the under-served owner-operator and customers of used vehicles. By institutionalising a direct connect with the end customer and by taking complete ownership of every key business process, the Shriram branch was not only in full control of the customer fulfillment process but was also in a unique position to establish a great and sustainable relationship with customer. This approach created a huge entry banner to most other players (both Indian & MNC’s) who made several futile attempts to enter the segment. The unique and well-executed business model attracted several investors, both strategic and portfolio, which enabled the transportation business of the group to grow by leaps and bounds.


Shriram’s stupendous record in building teams at the branch level and providing an environment for these teams to excel was effectively complemented by a very large number of agents who supported the branches on customer acquisition for retail deposits. With over 25,000 active agents, Insurance was a logical diversification as this sector opened up to private players. While Shriram was amongst the last movers into the Life and General Insurance industry, the group’s established track record of delivering value to the under-served through a low-cost, relationship-based model enabled them to create history by being the only General Insurance company to be profitable in its first full year of operation and one of the two Life Insurance companies to be profitable in the first year of operation. Sanlam, the largest insurer in South Africa and Shriram’s Insurance partner, is working closely with the group to take the Insurance Businesses to the next level in the coming years.


With an enviable growth record of 40% CAGR in the last 7 years, an excellent array of happy investors, a brand that resonates trust and reliability, an employee strength of over 42,000 with single digit attrition, an ever-growing customer base of 10.2 million strong and a successful low-cost delivery model, Shriram is today a Financial Services conglomerate poised for attaining greater heights in the near future. The group realizes that they have to continue to do things differently to sustain the growth levels and their exemplary service to their target market across businesses. A strong think-tank has been created at Shriram Capital at the Holding Company level to oversee and provide key inputs to the operating CEOs in critical areas of Synergy Creation, Risk Management and Leadership development. So much going for the group internally and in the market place, Shriram has become every Shareholder’s pride and every Competitor’s envy!
Board of Directors

Mr. Ajay Piramal

Ajay Piramal is the Chairman of Board of Directors of Shriram Capital Ltd...


Mr. Ramky Subramanian

Ramky Subramanian is the Managing Director & CEO of Shriram Capital Ltd... ,


Mr. DV Ravi

Ravi is the Managing Director of Shriram Capital Limited which is the holding company...


Ms. Akhila Srinivasan

Dr. Akhila Srinivasan, holding Ph.D. in Economics, is Non Executive Director, Shriram Capital Ltd...,


Mr. Heinie Werth

Heinie Werth joined the Sanlam Group in 1998 and is currently the Chief Executive Officer ...


Mr. Puneet Bhatia

Puneet Bhatia is the TPG Nominee of Shriram Capital Ltd...


Mr. Rajesh Laddha

Mr. Rajesh Laddha is the Non Executive Director, Shriram Capital Limited. ...


Mr. Jasmit Singh Gujral

Mr. Jasmit Singh Gujral is the Non Executive Director, Shriram Capital Limited. ...


Shriram’s turning points

Every event that marked
our journey