Shriram Finance Ltd. Shriram Finance Limited is an India-based retail asset financing non-banking finance company (NBFC). The Company is a finance provider catering to the needs of small road transport operators and small business owners and is engaged in organized financing of pre-owned commercial vehicles and two- wheelers. It has a vertically integrated business model and offers various financing products, which include passenger commercial vehicles, loans to micro and small and medium enterprises (MSMEs), tractors and farm equipment, gold, personal loans and working capital loans. It operates in the areas of loan origination, valuation of pre-owned commercial vehicles and other assets, and collections. It has a presence in consumer finance, life insurance, general insurance, stockbroking, and distribution businesses.