What Shriram Finance asks for on personal, business loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
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How Shriram Finance tends to lend (our read): Mass-market NBFC: modest unsecured personal tickets (Rs 10 lakh) with a 750 'ideal' score, and business loans that explicitly say size and score are not disqualifiers. Lends in: Metro, Tier 2, Tier 3 / other locations.
₹15,000 net per month; self-employed: ₹1,80,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Loan amount
₹50,000 to ₹10,00,000
Tenure
1 year to 5 years
Documents Shriram Finance lists
KYC
Salary slips for 3 months (salaried) or latest ITR and 3 months' income proof (self-employed)
Bank statement for 6 months
Research notes
Shriram Personal Loan: up to Rs 10 lakh, resident Indians aged 21 at application and 60 at closure, salaried or self-employed with steady income proof; 750+ score described as ideal and a 30-40% debt-to-income ratio recommended. Income floor and rate not published - nominal floor and the personal rate card used.
750+ preferredOur working estimate - the lender does not publish a floor
Business vintage
3 years or more
Annual turnover
₹10,00,000 or more
Filed ITR
1 year
Loan amount
₹1,00,000 to ₹50,00,000
Tenure
1 year to 4 years
Documents Shriram Finance lists
KYC
Income / business proof
Bank statements
Research notes
Shriram Business Loan: from Rs 1 lakh, age 21 to 65, self-employed individuals or business owners with at least 3 years' business experience; unsecured tenure up to 48 months (84 secured). The page states loans are offered regardless of business size or credit score, with tailored products for low-turnover and new businesses - so no score gate is applied; the Rs 10 lakh turnover floor and Rs 50 lakh cap are modelling assumptions.
ClearToLend is not affiliated with or endorsed by Shriram Finance. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with Shriram Finance before you apply. A match is not a loan offer or approval.
Shriram Finance Loan FAQs
The minimum net monthly income is ₹15,000, according to Shriram Finance's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 21 and no older than 60 when the loan ends, according to Shriram Finance's own website.
You need to be at least 21 and no older than 65 when the loan ends, according to Shriram Finance's own website.
No. ClearToLend compares your details with Shriram Finance's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with Shriram Finance and does not send your details to it.
