Best NBFC Stocks in India 2025 to Invest Today
Last Updated: 29 December, 2025
5 min read
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The finance and banking sector is not just the backbone of the economy, but also one of the fastest-growing sectors. It allows the smooth flow of funds and helps businesses and individuals in securing loans as well. This makes banking stocks one of the finest options for investors.
But with time, a growth in the number of Non-Banking Financial Companies has been seen. These companies offer easy access to funds as compared to banks and help with investments as well. This is one of the reasons for the fast growth of NBFC stocks.
But the question here is, which are the top 10 NBFC stocks in India that you should consider? So, read this guide to know which NBFC stocks to buy today.
What Are NBFC Stocks?
NBFC stocks represent shares of Non-Banking Financial Companies. These companies provide loans, credit, and financial services to their customers. But it is important to note that they do this without operating as full-scale banks. These companies work mainly to offer small loans and consumer finance.
NBFCs raise funds through bonds, debentures, and bank borrowings. Since these offer funds and facilities to ones with even lower credit scores, their demand is rising. Consumers greatly accept their flexible lending model.
Top 10 NBFC Stocks in India 2025
While there are various NBFC stocks to buy, only a few of them stand out. This is mainly due to their market capitalisation and the returns they have offered over the years. So, here are the top 10 NBFC stocks in India to consider for investment in 2025-26.
Company Name | Price (Rs.) | 52W High (Rs.) | 52W Low (Rs.) | Market Cap (Rs. Cr) | 1Y Returns (%) | 3Y Returns (%) | 5Y Returns (%) |
1,011.70 | 1,102.50 | 679 | 6,28,785.20 | 48.6 | 57.25 | 95.12 | |
973.7 | 983.70 | 493 | 1,83,188.23 | 68.87 | 260.32 | 388.51 | |
298.9 | 338.60 | 199 | 1,89,895.40 | -1.9 | 20.09 | 20.09 | |
3,804.70 | 3,890.00 | 1,965 | 1,52,746.71 | 86.96 | 257.42 | 220.27 | |
1,697.80 | 1,782.00 | 1,168.00 | 1,43,286.25 | 43.22 | 138.89 | 351.12 | |
5,154.60 | 5,419.00 | 4,067 | 56,798.47 | 17.17 | 124.22 | 187.83 | |
303.25 | 315.35 | 129 | 75,848.28 | 118.72 | 258.03 | 260.67 | |
753.55 | 891.9 | 705.05 | 62,388.30 | -10.39 | -10.39 | -10.39 | |
974.05 | 1,007.25 | 478.35 | 72,754.92 | 75.14 | 48.7 | 124.47 | |
95.16 | 136.96 | 92.1 | 79,255.04 | -25.05 | -42.33 | -42.33 |
Note: The information above is based on market prices as of December 26, 2025, and is subject to change market fluctuations
Overview of Top 10 NBFC Stocks in India 2025
1. Bajaj Finance Ltd
This NBFC has built its business around everyday consumer credit. It is mainly involved in personal loans or credit card loans, EMI purchases, and lifestyle finance. It is one with strong digital systems and repeat customers that support growth. Its disciplined underwriting helps manage risk.
2. Shriram Finance Ltd
A large part of its lending comes from commercial vehicles and small businesses. The company operates deeply in semi-urban markets, where local knowledge and strict collections have helped maintain steady performance over time.
3. Jio Financial Services Ltd
This is still an evolving financial services business. The company is gradually building its presence across digital lending and payments, with long-term outcomes depending more on execution quality than early market visibility.
4. Muthoot Finance Ltd
Gold-backed loans form the foundation of this business. Short loan durations and high collateral coverage reduce credit risk, which is why earnings tend to remain stable even when broader lending conditions weaken.
5. Cholamandalam Investment and Finance Company Ltd
The company started with vehicle finance. But now, it has steadily expanded into MSME and retail lending. This gradual diversification is supported by strong risk controls. This has contributed to consistent long-term growth.
6. Sundaram Finance Ltd
This is a company that is known for its conservative culture. It focuses mainly on asset-backed lending. It is right to say that its growth is comparatively slower. This is mainly because of careful credit selection and balance sheet strength. This has helped protect investor capital across cycles.
7. L&T Finance Ltd
After stepping away from wholesale lending, the company started to rebuild its portfolio. Today, it is mainly around retail loans. Rural finance and personal credit now drive growth. This is supported by tighter controls and improved operating efficiency.
8. HDB Financial Services Ltd
The loan book for this NBFC is spread across consumer durables, personal loans, and enterprise finance. But if you actually see, this has been working on flat returns for a while. It has strong backing from its parent group, which adds stability and funding comfort.
9. AU Small Finance Bank Ltd
The business combines deposit-funded lending with an NBFC-style approach to credit. Expansion into new regions has driven scale, though maintaining asset quality remains an important factor for investors.
10. Bajaj Housing Finance Ltd
The company works in the housing segment. It offers home loans and property-backed financing. Though the recent performance of the NBFC has been a bit uncertain, it has a long-standing reputation in the market. Its loan cycles are directly linked with the future growth, closely linked to interest rates and residential demand trends.
Conclusion
NBFC stocks continue to play an important role in India’s credit growth story. Some focus on consumer lending, others on vehicles, gold loans, or housing finance. What matters is business clarity, asset quality, and long-term execution. But before you invest, it is important to analyse the stock well. This will ensure better growth and returns.
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FAQs
What are NBFC stocks?
NBFC stocks are shares of non-banking financial companies. These companies provide loans and financial services without operating as full-scale banks. They support consumer credit, MSMEs, housing, vehicles, and gold loans.
Are NBFC stocks good for long-term investment?
Yes. If you are looking for a safe and stable long-term investment, then NBFC stocks are a great choice. These companies are known for disciplined funding and follow the rules set by the RBI. Hence, these are a great choice.
Which factors should be checked before buying NBFC stocks?
The key factors include loan book quality, NPA levels, and capital adequacy. Cost and risk management plans are also part of the analysis that you should consider.
Do NBFC stocks carry a higher risk than banks?
NBFC stocks can be riskier than banks. It is mainly because of the higher borrowing costs and sector exposure. But if the NBFC is managed well, then it is a good choice to go ahead with.
Is it better to invest in one NBFC or diversify?
Diversifying across NBFCs with different lending focuses can help reduce risk. It prevents overexposure to one credit segment or economic cycle.
The content on this blog is for educational purposes only and should not be considered investment advice. While we strive for accuracy, some information may contain errors or delays in updates.
Mentions of stocks or investment products are solely for informational purposes and do not constitute recommendations. Investors should conduct their own research before making any decisions.
Investing in financial markets are subject to market risks, and past performance does not guarantee future results. It is advisable to consult a qualified financial professional, review official documents, and verify information independently before making investment decisions.
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