Shriram Finance Personal Loan and Interest Rate: Everything You Need to Know in 2025
Loan sahay news June 28, 2025

 

When you're in urgent need of funds—be it for a medical emergency, a dream wedding, higher education, or simply to consolidate your debts—a personal loan can be your lifesaver. Among the many financial institutions in India, Shriram Finance stands out with its attractive loan features and customer-friendly approach. If you’re looking for detailed, SEO-optimized and human-like information about Shriram Finance Personal Loan and Interest Rate in 2025, you’re in the right place.

In this comprehensive guide, we’ll uncover everything from eligibility to interest rates, EMI options, online application process, and more. Let's dive right in.

1. What is a Shriram Finance Personal Loan?

A Shriram Finance Personal Loan is an unsecured loan that doesn’t require any collateral. It’s designed to help individuals meet personal financial needs—whether it’s medical bills, travel, education, home renovation, or even emergency expenses.

Shriram Finance is known for its quick disbursal, flexible repayment terms, and low documentation process, making it one of the most preferred NBFCs in India for personal financing solutions.

2. Shriram Finance Personal Loan Interest Rate in 2025

As of 2025, Shriram Finance personal loan interest rates start from 11.50% per annum and can go up to 23.00% p.a., depending on the applicant’s credit profile, income, and repayment history.

Here’s a quick breakdown:

Loan AmountInterest Rate (p.a.)Tenure
₹50,000 to ₹20 lakh11.50% to 23.00%12 to 60 months

💡 Tip: A CIBIL score of 700+ can help you secure a lower interest rate.

3. Key Features of Shriram Finance Personal Loan

Shriram Finance makes sure your loan journey is smooth and worry-free. Below are some standout features:

  • Loan amount: ₹50,000 to ₹20,00,000

  • Repayment tenure: Up to 5 years

  • Interest rate: Starting from 11.50% p.a.

  • Minimum documentation

  • Zero hidden charges

  • Online application available

  • Quick approval and disbursal

4. Eligibility Criteria for Shriram Finance Personal Loan

Before you apply, ensure you meet the basic eligibility requirements:

  • Age: 21 to 60 years

  • Employment: Salaried or self-employed

  • Minimum monthly income: ₹15,000 (varies by location)

  • CIBIL Score: Preferably 700 or above

  • Work experience: At least 1 year for salaried applicants; 2 years for self-employed

📌 Note: A high credit score can significantly increase your approval chances and reduce your interest rate.

5. Documents Required

Shriram Finance keeps the paperwork to a minimum. Typically, you’ll need:

  • ID Proof (Aadhaar Card/PAN Card)

  • Address Proof (Utility bills/Voter ID)

  • Income Proof (Salary slips/Bank statements)

  • Photograph

  • Business proof (for self-employed applicants)

6. Shriram Finance Personal Loan EMI Calculator

Before applying, it’s smart to use a personal loan EMI calculator to estimate your monthly payments.

For example:

  • Loan Amount: ₹2,00,000

  • Interest Rate: 14% p.a.

  • Tenure: 3 years

Your EMI would be approximately ₹6,830 per month.

Using this tool helps in planning your repayment better and avoiding future stress.

7. How to Apply for a Shriram Finance Personal Loan Online

The online application process is fast and user-friendly:

  1. Visit the official website or use the Shriram Finance mobile app.

  2. Fill in the basic details like name, age, loan amount, and income.

  3. Upload the necessary documents.

  4. Wait for verification and approval.

  5. Once approved, the loan is disbursed directly into your bank account.

✅ Pro tip: Always double-check your information before submission to avoid rejection.

8. Why Choose Shriram Finance Over Banks or Other NBFCs?

Here’s why borrowers prefer Shriram Finance:

  • Faster approvals compared to traditional banks

  • Better customer service and pan-India network

  • Less paperwork

  • Personalized interest rates based on your credit profile

  • No prepayment penalty in many cases

9. Shriram Finance Personal Loan for CIBIL Score 700+

If you have a CIBIL score of 700 or more, you’re in luck. Here's how it benefits you:

  • Lower interest rates

  • Higher loan amounts

  • Faster approvals

  • Longer repayment periods

In short, your good credit history gets rewarded.

10. Latest SEO-Friendly Keywords Related to Personal Loans in 2025

To help your content or search stay up to date, here are some trending SEO keywords for 2025:

  • "Shriram Finance personal loan apply online"

  • "Best personal loan interest rate 2025"

  • "Instant personal loan for low CIBIL score"

  • "Shriram Finance loan eligibility check"

  • "Loan EMI calculator Shriram 2025"

  • "NBFC personal loan vs bank loan 2025"

Including these keywords in your content helps attract organic traffic and rank higher in Google search.

11. Customer Reviews and Testimonials

Many customers vouch for Shriram Finance’s transparency and efficiency:

"I got my loan in just 3 days! Very simple process and helpful staff." – Ramesh Yadav, Pune

"Low interest rate, no hidden fees. Would highly recommend." – Sneha Nair, Chennai

These testimonials reflect the trust and satisfaction among users.

12. Important Tips to Increase Your Loan Approval Chances

If you’re serious about getting your loan approved:

  • Maintain a CIBIL score of 700+

  • Keep your income documents updated

  • Avoid too many loan applications at once

  • Choose the right tenure for better EMI management

  • Use the official Shriram Finance EMI calculator for planning

Conclusion: Is Shriram Finance Personal Loan Worth It in 2025?

Absolutely. If you're looking for a trustworthy lender that offers competitive interest rates, easy documentation, quick approvals, and an efficient customer support system, then Shriram Finance personal loan is the way to go.

Whether you have a CIBIL score of 700+, or you’re just starting to build your credit, Shriram Finance has options tailored for you.

👉 Don’t wait! Compare rates, check your eligibility, and apply confidently.

Also explore 👉 Government Personal Loan Online Apply 2025 for other schemes.

If you need help comparing personal loans or calculating EMIs, drop your question in the comments below and let’s get you started on the right financial path.


#ShriramFinanceLoan #PersonalLoan2025 #LoanForCIBIL700 #ShriramInterestRate #ApplyOnlineLoan #NBFCvsBank #ShriramEMICalculator #LoanSahay #LoanApprovalTips #InstantLoanIndia

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Credit Card - bank Loan FAQ 2025

1) Axis Bank credit card pe kya reward milta hai?
Axis EDGE Reward Points milte hain, jise shopping, travel - vouchers me redeem kar sakte hain.
2) Axis Bank home loan ka interest rate?
लगभग 8.75 % p.a. se शुरू; final rate credit-score - profile par depend karta hai.
3) Canara Bank credit card par reward points kaise milte?
₹100 spend par 2-4 points; groceries, dining, travel par alag multipliers milte hain.
4) Canara Bank personal loan interest kitna hai?
लगभग 11.15 % se start; CIBIL score - income profile ke hisaab se badh-घट sakta hai.
5) SBI credit card ke top rewards?
SimplySAVE card par groceries/movie tickets par 10X points; Cashback card par flat cashback.
6) SBI home loan ki current rate?
≈ 8.40 % se शुरू; महिला उधारकर्ता ko 0.05 % की अतिरिक्त छूट मिल सकती है।
7) BoB credit card rewards kaise kaam karte?
हर खर्च पर BoB Rewards; points को travel miles, bill payment - shopping vouchers me बदला जा सकता है।
8) Bank of Baroda personal loan rate?
लगभग 10.90 % से शुरू, tenure 60 माह तक; existing customers को प्रोसेसिंग-फीस में छूट।
9) IDFC First Bank card ke key benefits?
Lifetime-free card, 10X reward points on weekend dining - complimentary railway lounge access.
10) IDFC personal loan prepayment charge?
Zero pre-payment/foreclosure charge; interest ≈ 10.49 % p.a. se start.
11) ICICI PAYBACK points earn kaise hote?
₹100 domestic spend par 2 points; partners jaise BigBasket, MakeMyTrip par 4-10X points.
12) ICICI personal loan max tenure?
Maximum 60 months; interest 10.50 % se शुरू, instant digital approval for salary a/c holders.
13) Kotak credit card par fuel surcharge waive?
Kotak Feast/Essentia card par ₹500-3000 fuel spend par 1 % surcharge reversal.
14) Kotak personal loan rate?
≈ 10.75 % se start; instant approval in 60 minutes for pre-approved salary clients.
15) Axis Magnus card ke VIP perks?
Unlimited international lounge, 12 EDGE miles/₹200 spend, Taj Epicure membership.
16) SBI SimplyCLICK card online shopping benefit?
Amazon, BookMyShow, Cleartrip par 10X reward; annual fee ₹499 (first-year free offers)।
17) ICICI Amazon Pay card cashback slab?
Prime users: 5 % Amazon cashback; non-Prime: 3 %; sabhi spends par 1 % base cashback.
18) Canara Gold loan ki rate?
≈ 7 % p.a., LTV ~75 %; quick 30-minute disbursal with basic KYC.
19) Bina salary slip ke loan possible?
हां, कुछ NBFC bank statement + Aadhaar se loan देते हैं; interest थोड़ा higher रहता है।
20) Loan ke liye minimum CIBIL kitna?
Personal/credit-card loan के लिए 700+ safe; secured loan (home/car) 650 par bhi possible hai.