Vanchinad Finance Pvt. Ltd. is a wholly owned subsidiary of SML Finance Ltd. Vanchinad Finance Private Limited (VFPL) is a non-deposit taking non-banking finance company acquired by SML Finance Ltd in May 2016. VFPL offers Personal Loan, Business Loan, Gold Loan and Micro Finance Loans. The registered office is in Ernakulam, Kerala. The company is spread across Kerala and Tamil Nadu, with network of 59 branches, and a borrower base of around 70000, with assets size of 200 crores.