A Shriram Finance personal loan is an unsecured loan of up to ₹10 lakh with interest rates starting at 11% p.a. (fixed), tenure of 12 to 60 months, and a processing fee of up to 5%. Applicants must be resident Indians aged 21 years at application and not above 60 years at loan closure. The online product is currently offered to salaried applicants, while self-employed applicants generally need a pre-approved relationship with Shriram Finance.
Shriram Finance Personal Loan 2026 at a Glance
Loan amount up to ₹10 lakh, interest from 11% p.a., tenure 12 to 60 months, processing fee up to 5%, foreclosure charge up to 4%, and a lock-in of 12 months from the first EMI.
| Feature | Shriram Finance Personal Loan Details (Indicative) |
| Loan amount | ₹50,000 (EMI calculator minimum) to ₹10,00,000 |
| Shriram personal loan interest rate | Starting at 11% p.a. (fixed rate) |
| Policy rate band | 11% to 42% p.a. (branch/core) and 11% to 36% p.a. (digital) |
| Tenure | 12 to 60 months |
| Processing fee | Up to 5% of loan amount + GST |
| Foreclosure charge | Up to 4% of principal outstanding |
| Lock-in period | No foreclosure within 12 months of first EMI |
| Collateral | Not required (unsecured) |
| Age | 21 years at application, maximum 60 years at loan closure |
| Who can apply | Resident Indians; salaried (self-employed if pre-approved) |
| Ideal CIBIL score | 750 and above |
| Apply through | Shriram Finance website, Shriram One app, or branch |
What Is a Shriram Finance Personal Loan?
A Shriram Finance personal loan is a collateral-free loan from Shriram Finance Limited, an RBI-registered NBFC, repaid through fixed monthly EMIs over 12 to 60 months. You can use it for a wedding, travel, medical bills, home repairs, consumer durables or debt consolidation.
Shriram Finance Limited was formed in November 2022 through the merger of Shriram Transport Finance, Shriram City Union Finance and Shriram Capital. The Shriram group has been in lending since 1979. A Shriram Finance personal loan is a fixed-rate product, so your EMI stays the same from the first month to the last.
You can use a Shriram Finance personal loan for these needs:
- Wedding loan: venue, catering, jewellery and decor costs
- Travel loan: flights, stays and tour packages
- Medical emergency loan: hospital bills not covered by health insurance
- Consumer durable loan: TVs, washing machines and home appliances
- Personal loan for women: personal expenses or starting a small venture
Also Read: Different Types of Personal Loans in India: A Comprehensive Guide
Money in Minutes
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- Cash from ₹5–10 Lakh*
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- Rates from 10.49% p.a.*
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*Interest rate subject to eligibility & credit profile. T&C apply.
Shriram Personal Loan Interest Rate 2026
The Shriram personal loan interest rate starts at 11% p.a. According to Shriram Finance’s Interest Rate Policy V3.2026-27, the personal loan rate band is 11% to 42% p.a. for core (branch-led) loans and 11% to 36% p.a. for digital loans. Your final rate depends on your risk profile.
| Loan Channel | Interest Rate (Indicative, Fixed) |
| Starting rate | 11% p.a. |
| Core products (unsecured personal loan) | 11% to 42% p.a. |
| Digital products (unsecured personal loan) | 11% to 36% p.a. |
| Rate type | Fixed, annualised at monthly rests |
Source: Shriram Finance Interest Rate Policy, Annexure 1 (2026-27). Indicative; subject to change.
The 11% rate is the floor, not the typical offer. Most Shriram Finance personal loan borrowers with average credit profiles receive a rate above the starting rate. The best way to get close to 11% is a CIBIL score above 750, stable salaried income and low existing EMIs.
| Do You Know? In April 2026, CRISIL, ICRA and India Ratings upgraded Shriram Finance to AAA, the highest domestic credit rating. A better rating lowers the lender’s borrowing cost, but your personal loan rate still depends on your own credit profile. Rates are indicative. Source: Business Standard, 10 April 2026 |
Also Read: Lowest Personal Loan Interest Rate India 2026: Compare & Apply
What Decides Your Shriram Personal Loan Interest Rate?
Shriram Finance uses risk-based pricing. Your credit score, income, job stability, age, existing debts, residential stability, tenure and past relationship with Shriram decide where you fall inside the 11% to 42% band.
Shriram Finance’s policy lists these factors for pricing a Shriram Finance personal loan:
| Factor | How It Affects Your Rate |
| Credit score and repayment history | Higher score and clean history = lower rate |
| Type of employment and length of service | Stable salaried jobs get better pricing |
| Primary and secondary income | Higher, verifiable income lowers risk premium |
| Debt-to-income (DTI) ratio | DTI within 30% to 40% is preferred |
| Residential stability and dependents | Longer stay at one address helps |
| Loan tenure | Shorter tenure can help negotiate a lower rate |
| Past association with Shriram Finance | Existing customers may get preferential rates |
Is the Shriram Finance Personal Loan Rate Fixed or Floating?
Fixed. Every Shriram Finance personal loan carries a fixed interest rate, and any revision in rates or charges applies only prospectively, meaning it will not change the terms of a loan already sanctioned.
Also Read: What You Need to Know About the CIBIL Score and How It Is Calculated
Shriram Finance Personal Loan Fees and Charges 2026
Key charges on a Shriram Finance personal loan are a processing fee of up to 5%, documentation charges of up to ₹3,000, foreclosure charges of up to 4% of principal outstanding, penal charges of up to 36% p.a. on overdue instalments, and up to ₹1,000 per EMI bounce. GST applies extra.
| Shriram Finance Personal Loan Charge | Amount (Indicative) |
| Processing fee | Up to 5% of loan amount |
| Documentation charges | Up to ₹3,000 |
| Foreclosure / prepayment charges | Up to 4% of principal outstanding |
| Lock-in period | No foreclosure within 12 months of first EMI |
| Loan takeover by another lender | Additional 2% of principal outstanding |
| Penal charges (late EMI) | Up to 36% p.a. on instalments in arrears (not capitalised) |
| Cheque / NACH bounce | Up to ₹1,000 per instance |
| Mandate rejection | ₹500 per month until a new mandate is registered |
| Cheque and NACH swap | Up to ₹500 |
| NOC related charges | Up to ₹500 |
| Statement / document retrieval | Up to ₹500 |
| Collection charges | ₹500 per visit (same city) |
| Cooling-off cancellation (digital loans) | Pay principal + proportionate APR; up to 1% processing fee retained |
| GST | Extra, at applicable rates |
Source: Shriram Finance Interest Rate Policy, Annexures 2 and 3 (2026-27).
Also Read: How to Avoid Hidden Charges While Applying for a Personal Loan
What Does a Shriram Finance Personal Loan Really Cost? (Worked Examples)
On a ₹5 lakh loan with the maximum 5% processing fee, you pay ₹25,000 plus ₹4,500 GST (18%), a total of ₹29,500. Foreclosing with ₹3 lakh outstanding at 4% costs ₹12,000 plus GST.
| Scenario | Calculation | Cost (Indicative) |
| Processing fee on ₹5,00,000 | 5% = ₹25,000 + 18% GST ₹4,500 | ₹29,500 |
| Foreclosure with ₹3,00,000 outstanding | 4% = ₹12,000 + 18% GST ₹2,160 | ₹14,160 |
| Balance transfer with ₹3,00,000 outstanding | 4% + additional 2% = ₹18,000 + GST | ₹21,240 |
| Late EMI of ₹10,000 by 30 days | ₹10,000 × 36% × 30/365 | About ₹296 |
| EMI bounce | Per instance | Up to ₹1,000 |
GST at 18% is assumed for illustration. Your KFS will show the exact Annual Percentage Rate (APR) including all charges.
Also Read: Personal Loan Balance Transfer Process
Shriram Personal Loan EMI for ₹1 Lakh to ₹10 Lakh
At 11% p.a., the EMI on a ₹5 lakh Shriram Finance personal loan is ₹10,871 for 60 months, ₹16,369 for 36 months and ₹44,191 for 12 months. At 24% p.a., the same ₹5 lakh costs ₹14,384 per month over 60 months.
| Loan Amount | Rate | 12 Months EMI | 36 Months EMI | 60 Months EMI | Total Interest (60 Months) |
| ₹1,00,000 | 11% | ₹8,838 | ₹3,274 | ₹2,174 | ₹30,455 |
| ₹1,00,000 | 16% | ₹9,073 | ₹3,516 | ₹2,432 | ₹45,908 |
| ₹1,00,000 | 24% | ₹9,456 | ₹3,923 | ₹2,877 | ₹72,608 |
| ₹3,00,000 | 11% | ₹26,514 | ₹9,822 | ₹6,523 | ₹91,364 |
| ₹3,00,000 | 16% | ₹27,219 | ₹10,547 | ₹7,295 | ₹1,37,725 |
| ₹3,00,000 | 24% | ₹28,368 | ₹11,770 | ₹8,630 | ₹2,17,823 |
| ₹5,00,000 | 11% | ₹44,191 | ₹16,369 | ₹10,871 | ₹1,52,273 |
| ₹5,00,000 | 16% | ₹45,365 | ₹17,579 | ₹12,159 | ₹2,29,542 |
| ₹5,00,000 | 24% | ₹47,280 | ₹19,616 | ₹14,384 | ₹3,63,039 |
| ₹10,00,000 | 11% | ₹88,382 | ₹32,739 | ₹21,742 | ₹3,04,545 |
| ₹10,00,000 | 16% | ₹90,731 | ₹35,157 | ₹24,318 | ₹4,59,083 |
| ₹10,00,000 | 24% | ₹94,560 | ₹39,233 | ₹28,768 | ₹7,26,078 |
Shriram Finance personal loan EMIs are indicative, rounded to the nearest rupee, and exclude processing fees and GST.
Key insight: On ₹5 lakh over 36 months, the difference between an 11% and a 24% rate is about ₹1.17 lakh in extra interest (₹89,297 vs ₹2,06,191). Improving your credit profile before applying for a Shriram Finance personal loan can save more money than any other step.
Also Read: Lowest EMI Personal Loan for ₹5 Lakh: Compare & Apply
How to Calculate Shriram Personal Loan EMI
Use the formula EMI = P × R × (1 + R)^N / [(1 + R)^N − 1], where P is the loan amount, R is the monthly rate (annual rate ÷ 12 ÷ 100) and N is the tenure in months.
Example: For ₹3,00,000 at 16% for 36 months, R = 0.01333 and N = 36, which gives an EMI of ₹10,547.
Also Read: Personal Loan EMI Calculator: How to Use It to Plan Repayments
Shriram Personal Loan Eligibility Criteria 2026
To meet Shriram personal loan eligibility, you must be a resident Indian aged 21 years at application and not older than 60 years at loan closure, with a stable income and ideally a CIBIL score of 750+. The online personal loan is currently open to salaried applicants; self-employed applicants must be pre-approved existing customers or apply for a Shriram business loan.
| Criteria | Shriram Personal Loan Eligibility Requirement |
| Nationality | Resident Indian |
| Minimum age | 21 years at time of application |
| Maximum age | 60 years at time of loan closure |
| Employment type | Salaried (self-employed only if pre-approved) |
| Work experience | At least 1 year of employment stability preferred |
| Credit score | 750 and above considered ideal |
| Debt-to-income ratio | Within 30% to 40% of monthly income |
Also Read: What is the Minimum Salary Required for a Personal Loan in India?
Shriram Personal Loan Eligibility for Salaried vs Self-Employed
Salaried applicants apply directly with salary slips and bank statements. Self-employed applicants are redirected to a business loan unless they already have a relationship with Shriram Finance and are pre-approved for a personal loan.
| Parameter | Salaried | Self-Employed |
| Online personal loan access | Yes | Only if pre-approved existing customer |
| Income proof | Last 3 months’ salary slips | Latest ITR and 3 months’ income proof |
| Bank statement | Last 6 months | Last 6 months |
| Alternative product | Not applicable | Shriram Finance business loan |
Also Read: Personal Loan Against Salary Slip: Eligibility & Apply Online
Money in Minutes
Get a personal loan for any need — quick approval, minimal paperwork, and funds straight to your account.
- Cash from ₹5–10 Lakh*
- Instant approval
- Rates from 10.49% p.a.*
No hidden charges • Trusted by 1M+ borrowers across 4,000+ cities
*Interest rate subject to eligibility & credit profile. T&C apply.
How Much Shriram Finance Personal Loan Can I Get on My Salary?
Assuming a 40% DTI limit, 60-month tenure and no existing EMIs, a salary of ₹25,000 can support a loan of about ₹4.1 lakh at 16% p.a., ₹35,000 about ₹5.8 lakh, and ₹50,000 about ₹8.2 lakh. Salaries of ₹75,000 and above can reach the ₹10 lakh cap.
| Net Monthly Salary | Max EMI at 40% DTI | Loan at 11% (60 Months) | Loan at 16% (60 Months) |
| ₹25,000 | ₹10,000 | ₹4,59,930 | ₹4,11,217 |
| ₹35,000 | ₹14,000 | ₹6,43,902 | ₹5,75,704 |
| ₹50,000 | ₹20,000 | ₹9,19,861 | ₹8,22,434 |
| ₹75,000 | ₹30,000 | ₹10,00,000 (cap) | ₹10,00,000 (cap) |
| ₹1,00,000 | ₹40,000 | ₹10,00,000 (cap) | ₹10,00,000 (cap) |
Illustrative only. Existing EMIs reduce these figures. Final Shriram Finance personal loan eligibility is decided by the lender’s credit policy.
Also Read: How Much Personal Loan Can I Get on My Salary?
Can I Get a Shriram Finance Personal Loan with a Low CIBIL Score?
Possibly. Shriram Finance states that applicants with bad credit may still qualify if they meet other eligibility criteria, but approval is subject to its internal policy and the rate is likely to be at the higher end of the band. A co-applicant with a strong credit and income profile can improve your chances.
Also Read: Personal Loan for CIBIL Score Below 650: Is It Possible?
Shriram Personal Loan Documents Required
The Shriram personal loan documents you need are identity proof (Aadhaar, PAN, passport, voter ID or driving licence), address proof (passport, utility bill or rental agreement), 3 months’ salary slips or income proof, 6 months’ bank statements, passport-size photos, and a cancelled cheque with an eNACH form.
| Document Type | Accepted Shriram Personal Loan Documents |
| Identity proof | Aadhaar card, passport, voter ID, driving licence; PAN is required during the online application |
| Address proof | Passport, driving licence, utility bills (gas, water, electricity), rental agreement |
| Income proof (salaried) | Salary slips for the last 3 months |
| Income proof (self-employed) | Latest Income Tax Return and income proof for the last 3 months |
| Bank statement | Last 6 months |
| Photograph | Recent passport-size photos |
| Repayment mandate | One cancelled cheque and ACH / eNACH mandate form |
| Additional | Appointment letter or any other document Shriram Finance may request |
Shriram Personal Loan Documents Checklist
- PAN card and Aadhaar linked to your mobile number
- Current address proof, if different from Aadhaar
- Last 3 salary slips
- Last 6 months’ salary account statement (PDF)
- Two passport-size photos
- Cancelled cheque from your repayment account
Keeping these ready avoids the most common cause of Shriram Finance personal loan delays: incomplete or outdated documents.
Also Read: 100% Paperless Personal Loan: Apply Fully Online in 10 Minutes
How to Apply for Shriram Personal Loan Online
For a Shriram personal loan apply online, visit the Shriram Finance website or Shriram One app, register with your mobile number, enter PAN and personal details, choose the loan amount and tenure, complete KYC and employment details, and submit. A loan executive then contacts you to complete verification.
Shriram Personal Loan Apply Online: Step-by-Step
| Step | Shriram Personal Loan Apply Online Action |
| Step 1 | Register with your mobile number and verify the OTP |
| Step 2 | Enter your PAN and personal details |
| Step 3 | Select the loan amount and tenure |
| Step 4 | Complete KYC and enter employment details |
| Step 5 | A loan voucher is generated; a Shriram executive contacts you to complete the process |
| Step 6 | Review the KFS and sanction letter, sign the agreement and register eNACH |
| Step 7 | Funds are credited to your bank account after final approval |
How Long Does Shriram Finance Personal Loan Approval Take?
Shriram Finance says approval can take as little as a few hours once documents and eligibility are verified. Shriram Finance personal loan disbursal time depends on verification, eNACH registration and your bank.
Pre-approved customers of Shriram Finance may get faster processing with preferential rates. You can track your Shriram Finance personal loan application status through the Shriram One app, the website or customer care.
Also Read: Get Personal Loan Approval in 10 Minutes
Shriram Finance Personal Loan: Pros and Cons
The main Shriram Finance personal loan advantages are no collateral, a fixed rate, loans up to ₹10 lakh and a large branch network. The main drawbacks are a wide rate band up to 42%, a processing fee of up to 5%, a 12-month foreclosure lock-in and limited access for self-employed applicants.
| Pros | Cons |
| Collateral-free loan up to ₹10 lakh | Rates can go up to 36% (digital) or 42% (core) |
| Fixed interest rate; predictable EMI | Processing fee up to 5% is higher than many banks |
| Tenure flexibility from 12 to 60 months | No foreclosure for 12 months from first EMI |
| 3,225 branches, strong presence in smaller towns | Online product mainly for salaried applicants |
| Considers applicants with weaker credit | Minimum income not publicly disclosed |
Also Read: Benefits and Drawbacks: Is a Personal Loan Right for Your Financial Needs?
Is a Shriram Finance Personal Loan Safe?
Yes. Shriram Finance Limited is an RBI-regulated NBFC and one of India’s largest retail lenders, with assets under management of ₹3,13,798.39 crore as of 30 June 2026, 3,225 branches and about 1.03 crore customers.
| Company Fact | Figure |
| Established | 1979 (Shriram group) |
| Regulator | Reserve Bank of India (NBFC) |
| Total AUM (30 June 2026) | ₹3,13,798.39 crore, up 15.26% YoY |
| Profit after tax (Q1 FY27, standalone) | ₹3,444.56 crore, up 59.79% YoY |
| Branch network | 3,225 branches |
| Customers | 10.30 million |
| Personal loan AUM (30 June 2025) | ₹10,284.9 crore |
Sources: Shriram Finance Q1 FY27 press release and investor presentation (24 July 2026); Q1 FY26 results (25 July 2025).
| Do You Know? Japan’s MUFG Bank bought a 20% stake in Shriram Finance for about ₹39,618 crore in April 2026. It is the largest foreign investment ever made in an Indian financial services company. Source: Business Standard, 8 April 2026 |
Also Read: Avoiding Personal Loan Scams and Predatory Lender
RBI Rules That Protect Shriram Finance Personal Loan Borrowers
RBI rules require Shriram Finance to give you a Key Fact Statement with the full APR before you sign a Shriram Finance personal loan agreement, bar it from charging penal interest (only non-capitalised penal charges are allowed), and apply any change in rates or charges only prospectively.
| RBI Rule | What It Means for You |
| Key Fact Statement for loans and advances (RBI/2024-25/18, DOR.STR.REC.13/13.03.00/2024-25, 15 April 2024) | You must receive a KFS showing APR, total cost and all charges before signing |
| Fair lending practice: penal charges (RBI/2023-24/53, DoR.MCS.REC.28/01.01.001/2023-24, 18 August 2023) | Late payment attracts penal charges, not penal interest, and these cannot be added to principal |
| RBI (NBFC: Responsible Business Conduct) Directions, 2025 | NBFCs must disclose their interest rate model and risk gradation, and communicate the rate in the sanction letter |
| Cooling-off / look-up period (digital loans) | You can exit a digital loan early by repaying principal and proportionate APR without a penalty |
Also Read: New CIBIL Score Rule 2026: RBI Update Explained
How to Get the Lowest Shriram Personal Loan Interest Rate
Keep your CIBIL score above 750, keep your DTI within 30% to 40%, choose a shorter tenure, apply with a strong co-applicant, and avoid multiple loan applications at the same time.
- Check your credit report first. Fix errors before you apply.
- Clear small debts. Credit card dues and small loans raise your DTI.
- Pick the shortest EMI you can afford. Shorter tenures reduce total interest and can improve your rate.
- Negotiate the processing fee. Shriram’s policy allows fee deviations with senior approval.
- Compare offers. Check at least 3 lenders so you know whether your Shriram Finance personal loan rate is competitive.
Also Read: How Do You Ensure Low Interest Rates for a Personal Loan
Compare Shriram Finance Personal Loan Offers with Ruloans
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Conclusion
A Shriram Finance personal loan gives salaried borrowers up to ₹10 lakh without collateral, a fixed EMI and a tenure of 12 to 60 months. Rates start at 11% p.a., but the final Shriram personal loan interest rate depends on your credit profile. Before you sign, check the APR in your Key Fact Statement, the processing fee of up to 5% and the 12-month foreclosure lock-in.
Want to know if you can get a better rate? Ruloans is a financial distribution company with 275+ partner banks and NBFCs. One application shows you personal loan offers matched to your salary and credit score. You can apply on the Ruloans website or through the Ruconnect App. The partner lender decides approval, interest rate and disbursal, and all rates are indicative.
[Apply for a Personal Loan on Ruloans]
Money in Minutes
Get a personal loan for any need — quick approval, minimal paperwork, and funds straight to your account.
- Cash from ₹5–10 Lakh*
- Instant approval
- Rates from 10.49% p.a.*
No hidden charges • Trusted by 1M+ borrowers across 4,000+ cities
*Interest rate subject to eligibility & credit profile. T&C apply.
FAQ
Can NRIs apply for a Shriram Finance personal loan?
No. A Shriram Finance personal loan is currently offered only to resident Indians. Non-resident Indians are asked to contact Shriram Finance customer support or visit a branch to explore other options. Always check the latest residency condition on the official Shriram Finance website before applying.
How can I pay my Shriram personal loan EMI online?
Most Shriram personal loan EMIs are auto-debited through the eNACH mandate you register at disbursal. You can also pay through online payment options, bank transfer or cheque. Keep enough balance in your account before the due date, because a failed auto-debit can attract bounce charges.
Can I make a part payment on my Shriram Finance personal loan?
Yes, but usually only after the 12-month lock-in from your first EMI. When you make a part payment, Shriram Finance may let you choose between a lower EMI and a shorter tenure. A prepayment charge of up to 4% of the principal outstanding may apply, plus GST.
How do I check my Shriram Finance personal loan balance or statement?
You can check your Shriram Finance personal loan balance by logging in to the Shriram Finance website or the Shriram One app. You can also get it by calling customer care on 1800-103-4959. A statement or document retrieval charge of up to ₹500 may apply for some requests.
How do I get an NOC after closing my Shriram personal loan?
After you pay the final EMI or foreclosure amount, request a No Objection Certificate (NOC) from customer care or your branch. NOC-related charges of up to ₹500 may apply. Keep the NOC safe and check your CIBIL report a few weeks later to confirm the loan shows as “Closed”.
Can I take a second Shriram personal loan while one is running?
Yes. Shriram Finance allows multiple personal loans, but it does not recommend taking them. A second loan raises your debt-to-income ratio, so it is harder to approve. Applying to many lenders at the same time also triggers multiple hard enquiries, which can lower your CIBIL score.
Does checking Shriram personal loan eligibility cost anything or affect my CIBIL score?
Checking Shriram personal loan eligibility is free. Shriram Finance charges no fee for an eligibility check. Checking your own credit score does not reduce it. A formal loan application, however, leads to a hard enquiry, so apply only when you are ready to borrow.
Can I get a Shriram Finance personal loan without salary slips?
Salary slips for the last 3 months are the standard income proof. Shriram Finance also lists “other income proof documents for the last 3 months” as acceptable, along with 6 months’ bank statements. Your salary credits should be clearly visible in the statement. Acceptance of any alternative document is at the lender’s discretion.
Every article on Ruloans is researched, written, and verified by a team of former bankers, certified financial planners, DSA industry veterans, and lending compliance specialists with over 25 years of hands-on experience in India’s loan distribution landscape. From decoding home loan eligibility and EMI planning for borrowers, to guiding DSA partners on commissions, registrations, and building a lending business — our content is grounded in real industry expertise, fact-checked against live RBI guidelines and current bank and NBFC policies, and built to help you make confident financial decisions.
