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Shriram Finance Personal Loan

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Valid till 31st March '26*T&C Apply
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

4.5/5

15.5L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Highest Approval Chances

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100% Paperless Borrowing Process

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End-to-End Expert Assistance

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Minimal Documentation Required

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

About Shriram Finance Personal Loan

  • Applicants can avail Shriram Finance personal loans offered at competitive rates to meet immediate financial needs.
  • Applying for loans through Paisabazaar is a completely digital and paperless process where the applicant gets end-to-end expert assistance.
  • An applicant’s loan approval depends on his/her repayment capacity and creditworthiness.
  • Consumers can avail these personal loans without any collateral/security, minimal documentation and without any hidden charges.
  • Shriram Finance personal loans offer flexible end usage and can be availed to meet any personal financial requirement.

Shriram Finance Personal Loan – Highlights

Interest Rate 11% p.a. onwards
Loan Amount Up to Rs. 10 lakh
Repayment Tenure Up to 5 years
Processing Fees Up to 5% of the sanctioned loan amount
Loan Process End-to-End Digital and Paperless

Shriram Finance Personal Loan Interest Rates in 2025

Shriram Finance Personal Loan interest rates start from 11% p.a. depending upon various factors, such as applicant’s credit score, income, age, location, employment stability, existing credit, employer’s profile, and loan amount and tenure. You can apply for Shriram Finance personal loans online on Paisabazaar and get instant approval with minimum documentation.

Types of Personal Loans offered by Shriram Finance

Shriram Finance offers a wide range of personal loan products to meet various urgent financial needs of its customers. Find below the loan types that are unsecured, requiring no collateral, and come with flexible repayment options:

  • Wedding Loan
  • Travel Loan
  • Home Renovation Loan
  • Personal Loan for Students
  • Medical Emergency Loan
  • Consumer Durable Loan
  • Personal Loan for Women
  • Festival loan
  • Personal loan for your child(s) future

Avail Personal Loan for
All Your Needs

Documents Required for Shriram Finance Personal Loan

he personal loan documents required for Shriram Finance, based on your employment, profession or occupation are mentioned below: Identity Proof: PAN card, Passport, Driving License, Voter ID (Any One) Address Proof: Passport, Driving License, Gas bill with gas book (Any One) Other Documents: (Any One)

  • Income Proof Documents of last 3 months
  • Last 6 months’ bank statement
  • One cancelled Cheque and ACH form for the Electronic Clearing Mandate (eNACH)

Eligibility Criteria

The personal loan eligibility criteria set for applicants availing Shriram Finance Personal Loans are as follows:

  • Resident Indians are eligible
  • Age: 21 years (at the time of loan application) to 60 years (at the time of loan maturity)

Fees & Charges for Shriram Finance Personal Loan

Shriram Finance imposes several fees and charges on its personal loans. Read on for the detailed breakdown:​

Particulars Charges
Processing Fees Up to 5% of the loan amount
Foreclosure Charges Up to 4% (lock in period of 12 months from the date of 1st EMI)
The NBFC also charges additional 2% of the loan is taken over by other financer
Documentation Charges Up to Rs 3,000
Penal Charges 36% p.a. on overdue unpaid on EMIs in arrears
Auction Charges At Actuals
Cancellation of Loan Charge Charges collected until cancellation will not be
refunded to the borrowers. Pro-rata interest will be charged up to cancellation
Cheque and NACH Swap Charges Up to Rs 500
Statement & Other Document retrieval Charges Up to Rs 500
Cheque Bounce Charges Rs. 1,000 per instance
Collection Charges Rs. 500

Note: Additional GST and other cess shall be charged as applicable on the above-mentioned fees and charges.

Who Should Apply for Shriram Finance Personal Loan?

If you are an Indian resident and aged between 21 years to 60 years, then you are eligible to apply for Shriram Finance Personal Loan. Salaried individuals and self-employed professionals and non-professionals are eligible to apply for personal loan.

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Avail Personal Loan for
All Your Needs

FAQs

You can avail personal loans from Shriram Finance at an interest rate of 11% p.a. onwards.

You can avail personal loan of up to Rs. 10 lakh to meet your urgent financial requirements.

If you want to avail loan for business purpose then you may opt for regular business loan, MSME loan or working capital loan, but for home renovation availing a personal loan is an ideal and wise option.

To apply for a personal loan with Shriram Finance through Paisabazaar, you need to visit its website or mobile app, enter your mobile number and authenticate with the received OTP. Further, you may mention your personal details; choose the loan product from available options and proceed to finalise on the personal loan from the respective lender.

Yes, only if you are a pre-approved customer of the NBFC then you are eligible to avail instant loan approval with quick disbursal and no documents check.

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What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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