Shriram Finance One: The Ultimate Financial Solution for All Your Needs
In today’s fast-paced world, financial stability and easy access to credit are crucial. Shriram Finance One emerges as a leading financial solution, offering a wide range of loan products tailored to meet diverse needs. Whether you’re looking for a personal loan, business loan, vehicle loan, or gold loan, Shriram Finance One provides flexible and affordable options.
In this comprehensive guide, we will explore everything about Shriram Finance One – its features, benefits, eligibility criteria, application process, interest rates, and customer reviews. By the end, you’ll have all the information needed to make an informed financial decision.
1. What is Shriram Finance One?
Shriram Finance One is a flagship financial service by Shriram Finance, one of India’s most trusted NBFCs (Non-Banking Financial Companies). It offers quick, hassle-free loans with minimal documentation and competitive interest rates.
With a strong presence across India, Shriram Finance One caters to salaried individuals, self-employed professionals, SMEs, and businesses, ensuring seamless access to credit.
2. Key Features of Shriram Finance One
✅ Quick Loan Disbursal – Funds transferred within 24-48 hours after approval.
✅ Flexible Repayment Options – Choose tenure from 12 to 60 months.
✅ Minimal Documentation – Simplified paperwork for faster processing.
✅ Competitive Interest Rates – Affordable EMIs tailored to your budget.
✅ Wide Range of Loan Products – Personal, business, gold, and vehicle loans.
3. Types of Loans Offered
A. Personal Loans
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Loan amount: ₹50,000 to ₹15 Lakhs
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Purpose: Medical emergencies, travel, education, weddings
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Tenure: 1 to 5 years
B. Business Loans
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Loan amount: Up to ₹50 Lakhs
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Purpose: Working capital, expansion, equipment purchase
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Tenure: Up to 5 years
C. Gold Loans
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Loan amount: Up to 75% of gold value
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Quick processing with no income proof required
D. Vehicle Loans
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Financing for new & used cars, two-wheelers, commercial vehicles
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Low down payment & flexible EMI options
4. Eligibility Criteria
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Age: 21 to 65 years
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Income: Minimum ₹15,000/month (salaried) or ₹2 Lakhs/year (self-employed)
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Credit Score: 650+ preferred
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Employment: At least 1 year of work experience
5. Interest Rates & Charges
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Personal Loan: 11% – 24% p.a.
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Business Loan: 14% – 22% p.a.
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Gold Loan: 12% – 18% p.a.
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Processing Fee: 1% – 2% of loan amount
6. How to Apply for Shriram Finance One?
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Online Application – Visit Shriram Finance Official Website
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Branch Visit – Locate nearest Shriram Finance branch
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Customer Care – Call 1800 123 0000 for assistance
7. Documents Required
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Identity Proof (Aadhaar, PAN, Voter ID)
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Address Proof (Utility bill, Passport)
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Income Proof (Salary slips, Bank statements)
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Business Proof (GST, ITR for self-employed)
8. Benefits of Choosing Shriram Finance One
✔ No Hidden Charges – Transparent fee structure
✔ Prepayment Option – Close loan early with minimal charges
✔ Excellent Customer Support – 24/7 assistance
9. Customer Reviews & Feedback
⭐ Rahul K. (Mumbai) – “Got my personal loan in 24 hours! Super smooth process.”
⭐ Priya S. (Delhi) – “Best gold loan rates compared to other banks.”
10. FAQs
Q1. What is the maximum loan amount under Shriram Finance One?
A: Up to ₹50 Lakhs, depending on loan type & eligibility.
Q2. Is a CIBIL score mandatory?
A: A good credit score (650+) improves approval chances.
Q3. How long does approval take?
A: Usually 24-48 hours if documents are complete.
Conclusion
Shriram Finance One is a reliable, customer-friendly financial partner offering quick loans with minimal hassle. Whether for personal needs or business growth, it provides flexible, affordable, and transparent loan solutions.
