SK Finance Limited, incorporated in 1994, is a non-deposit-taking middle-layer Non-Banking Financial Company (NBFC-ML) focused on vehicle financing and MSME lending. The company provides secured loans for new and used vehicles, including cars, two-wheelers, tractors, and commercial vehicles (excluding medium and heavy commercial vehicles), as well as business loans for micro, small, and medium enterprises. SK Finance operates through a network of 535 branches across 11 states and one union territory, with MSME lending available through 322 branches in eight states and one union territory. As of December 31, 2023, the company had a workforce of 10,725 employees, including 6,202 in sales and 1,607 in collections.