विनियमित एनबीएफसी (Regulated NBFC)स्वरोजगार एवं पेशेवरस्वीकृति गति: Within 24 to 48 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

श्रीराम फाइनेंस पर्सनल लोन

Shriram Finance personal loan for small business owners and salaried individuals up to ₹15 Lakhs.

ऋण राशि सीमा₹25,000 to ₹15,00,000

ब्याज दर (APR)12.00% - 26.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्कUp to 3.00% of loan amount + GST

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Shriram Finance's retail personal credit facility designed for small business owners, traders, self-employed individuals, and salaried professionals across semi-urban and urban markets.

प्रमुख लाभ एवं विशेषताएं

• High loan quantum up to ₹15 Lakhs without pledging collateral • Deep branch presence across India with over 3,000 branches • Flexible income assessment for non-salaried business owners • Repayment tenure up to 5 years (60 months).

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Self-employed individuals, traders, and salaried employees with verifiable income. Min Age: 21, Max Age: 65. Min Monthly Income: ₹15,000. Min CIBIL: 680.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Prepayment allowed after 6 months; 3% to 4% foreclosure charges apply.

📂आवश्यक दस्तावेज (Required Documents)

• Identity Proof: PAN Card and Aadhaar Card • Income Proof: Last 3 months payslips or business income proof • Banking: Last 6 months bank statement.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Higher interest rate floor (starts at 12.00%). • Foreclosure penalty of 3% to 4% + GST applies after 6 months. • Processing fee deducted upfront from disbursement.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Existing Shriram customers apply via Shriram One App with fast-track credit.

2. नए ग्राहक (ऑनलाइन):

1. Visit shriramfinance.in > Personal Loan. Submit application and upload income proofs.

3. बैंक शाखा में जाकर:

1. Visit nearest Shriram Finance branch with KYC, income proof, and bank statements.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Can small business owners apply?

Yes, Shriram Finance specializes in catering to small business owners and traders with flexible income proofs.

What is the maximum loan limit?

Up to ₹15 Lakhs depending on your cash flow and credit score.

What is the processing fee?

Up to 3.00% of the loan amount plus GST.