Shriram Finance (SHFL) anticipates an 18-20% growth rate, driven by capital deployment in vehicle finance, gold, and SME lending. The company aims to expand its SME and gold loan portfolios while retaining existing customers in vehicle finance. A recent credit rating upgrade to AAA Stable by CARE Ratings is expected to lower borrowing costs. Analysts project an 18% CAGR in assets under management (AUM) through FY28, with a potential 50 basis point improvement in cost of funds and a 20 basis point increase in net interest margin (NIM).