Viji Finance Limited
Viji Finance Limited, a non-banking finance company, provides financial products and services in India. It offers personal and business loans, gold loans, corporate finance, infrastructure/project finance, and personal finance services. Viji Finance Limited was formerly known as Panjon Finance Limited and changed its name to Viji Finance Limited in September 2012. The company was incorporated in … Read more
Viji Finance Limited - Asset Resilience Ratio
Viji Finance Limited (VIJIFIN) has an Asset Resilience Ratio of 29.76% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2014–2025)
This chart shows how Viji Finance Limited's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Viji Finance Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | ₹51.26 Million | 14.88% |
| Short-term Investments | ₹51.26 Million | 14.88% |
| Total Liquid Assets | ₹102.51 Million | 29.76% |
Asset Resilience Insights
- Very High Liquidity: Viji Finance Limited maintains exceptional liquid asset reserves at 29.76% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company maintains a balanced mix of cash and short-term investments.
Viji Finance Limited Industry Peers by Asset Resilience Ratio
Compare Viji Finance Limited's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Samsung Card Co. Ltd.
KO:029780 |
Credit Services | 0.18% |
|
Yiren Digital Ltd
F:19YA |
Credit Services | 3.32% |
|
Aeon Credit Service Bhd
KLSE:5139 |
Credit Services | 0.25% |
|
ELK-Desa Resources Bhd
KLSE:5228 |
Credit Services | 2.82% |
|
Chailease Holding Co Ltd
TW:5871 |
Credit Services | 6.79% |
|
Genertec Universal Medical Group Company Limited
F:5UM |
Credit Services | 0.00% |
|
AVIC Capital Co Ltd
SHG:600705 |
Credit Services | 12.64% |
Annual Asset Resilience Ratio for Viji Finance Limited (2014–2025)
The table below shows the annual Asset Resilience Ratio data for Viji Finance Limited.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-03-31 | 29.01% | ₹101.70 Million | ₹350.54 Million | +28.99pp |
| 2024-03-31 | 0.03% | ₹66.00K | ₹253.63 Million | -0.03pp |
| 2023-03-31 | 0.06% | ₹131.00K | ₹225.54 Million | -0.06pp |
| 2022-03-31 | 0.12% | ₹206.00K | ₹174.63 Million | -0.10pp |
| 2021-03-31 | 0.22% | ₹349.00K | ₹157.44 Million | +0.00pp |
| 2020-03-31 | 0.22% | ₹349.00K | ₹159.98 Million | -1.63pp |
| 2019-03-31 | 1.85% | ₹2.83 Million | ₹152.66 Million | +1.70pp |
| 2018-03-31 | 0.16% | ₹220.76K | ₹141.46 Million | -6.91pp |
| 2017-03-31 | 7.07% | ₹8.73 Million | ₹123.55 Million | +6.76pp |
| 2016-03-31 | 0.31% | ₹309.11K | ₹100.19 Million | -0.82pp |
| 2015-03-31 | 1.13% | ₹1.05 Million | ₹93.46 Million | +1.13pp |
| 2014-03-31 | 0.00% | ₹1.00K | ₹94.80 Million | -- |