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Shriram Finance Personal Loan

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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 Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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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

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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

Explore Our Shriram Housing Finance Lenders

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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

Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

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Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

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I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

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Apke yaha itna acha interest rate mil gya market mei sabse kum and service toh aur bhi achi h. thank you.

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Got the best interest rate on your website. Best assistance and seamless experience.

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Your website is the best to apply for a personal loan. Got my loan disbursed within 3 days. So easy and hassle-free.

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I got my loan approved within 24 hours. The process was fast, transparent, and reliable, exactly what I was looking for.

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