Information only
Shriram Finance is a non-banking financial company (NBFC), regulated by the Reserve Bank of India (RBI). It is a lender mainly known for vehicle finance, especially for commercial vehicles. Its registered office is in Guindy, Chennai, and its corporate office is in Bandra Kurla Complex, Mumbai. Unlike a bank, an NBFC cannot take demand deposits such as savings or current accounts, so a loan from it is not a bank loan even though it works in a similar way.
Loans it offers
Loans listed for Shriram Finance
| Loan | What to know |
|---|---|
| Personal loans | Unsecured, so approval rests on income, existing EMIs and credit history; amount and tenure are set by the lender. |
| Business and MSME loans | Serves small business owners; its 2022 merger with Shriram City Union Finance added a small-business lending network. |
| Car loans | Our research lists used-car finance in its range. |
| Two-wheeler loans | Part of its vehicle finance range alongside commercial vehicles. |
| Gold loans | Offered as a secured loan against gold ornaments. |
LOANZ 360 explains how each of these loan types works: personal loans, business and MSME loans, car loans, two-wheeler loans, gold loans. Its vehicle finance roots lie in trucks and other commercial vehicles, which the products listed here do not cover.
Key facts
| Fact | Detail |
|---|---|
| Regulator category and layer | NBFC (upper layer). Upper layer, named by RBI on 6 August 2026 for 2026-27; deposit-taking NBFC. |
| Registered office | Guindy, Chennai |
| Corporate office | Bandra Kurla Complex, Mumbai |
| Parent group | Shriram group |
| Former names and mergers | Formerly Shriram Transport Finance Company; in 2022 Shriram City Union Finance and Shriram Capital were merged into it and it took the name Shriram Finance |
As of 8 November 2026, RBI lists Shriram Finance among the NBFCs in the upper layer for 2026-27. RBI publishes the upper layer list each year, so a lender's layer can change. See the RBI press release of 6 August 2026.
Before you apply
- Ask for the Key Fact Statement (KFS) before you accept an offer. It shows the annual percentage rate (APR), all charges and the repayment schedule in one place.
- Compare the APR, not just the stated interest rate, because processing and other charges set by the lender change the real cost.
- Check the lender's processing fee, foreclosure and part-payment terms, and penal charges. These are set by the lender.
- Read the sanction letter for the name of the legal entity that is lending, as group companies often have similar names.
- Check your credit score (CIBIL or another bureau) and your existing EMIs first. Checking your own score does not lower it.
- Apply only where you are likely to qualify. Too many lender checks in a short time can lower your score.
You can see current rates on the interest rates page and estimate repayments with the EMI calculator. The label on this page that shows whether LOANZ 360 works with this lender or only gives information is drawn from our live records. To see how lenders are shown, read how we rank offers and the lending partners page.
Last updated 12 Nov 2026