How does SHL ASX make money?
Shriram Finance operates as a prominent non-banking financial company in India, generating its revenue primarily through retail lending, commercial vehicle financing, and asset-backed financial services. The company makes money by capturing the net interest spread—the positive margin between the high interest rates charged on loans extended to commercial truck operators, small business owners, and retail consumers for purchasing used and new vehicles, and its own cost of capital. Additionally, Shriram generates significant fee-based income by cross-selling insurance products, providing working capital loans, offering gold financing, and managing structured deposit portfolios across its extensive branch network.
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