Shriram City Union Finance Ltd is a nonbanking financial company that accepts deposits and offers small-business, vehicle, home, and retail loans. The company also offers life and general insurance, stock brokering, chit funds, and other investment products. Shriram City's services are mostly targeted toward customers who do not have access to banks for their credit needs. Shriram City generates nearly all its income from finance charges, such as interest and fees. The company operates exclusively in India.