Loans
Access Instant Funds Without Selling Your Investments
From personal loans to loans against your portfolio — get liquidity when you need it, at competitive rates, with minimal paperwork from Shriram Financial Services.
Loan Solutions for Every Need
Whether you need liquidity for personal use, business growth, or want to unlock value from your investment portfolio — Shriram has a loan product for you.
All loan applications are processed digitally with minimal paperwork. Secured loans against your portfolio carry the lowest rates.
Personal Loan
Unsecured loan for medical emergencies, travel, home renovation, or debt consolidation. Fast digital approval with minimal paperwork.
Loan Against Mutual Funds
Pledge mutual fund units as collateral — access up to 50–80% of NAV as a loan. SIPs keep running and units stay invested.
Loan Against Stocks
Pledge your equity portfolio for instant liquidity — without selling a single share. Dividends and appreciation continue while shares are pledged.
Business Loan
Unsecured MSME loans for working capital, equipment, or expansion. Fast processing for self-employed professionals and growing businesses.
Eligibility & Documents Required
What you need to qualify and apply for a loan with Shriram.
Eligibility Criteria
- ✓ Indian resident aged 21–65 years (personal) or 21–70 years (business)
- ✓ Minimum monthly income: ₹20,000 (salaried) or ₹25,000 (self-employed)
- ✓ Credit score (CIBIL) of 700+ recommended for best rates
- ✓ Stable employment of 6+ months (salaried) or 2+ years in business
- ✓ Active bank account with regular transaction history
Documents Required
- ✓ PAN Card and Aadhaar Card
- ✓ Address Proof — Aadhaar / Passport / Utility Bill
- ✓ Income Proof — last 3 months salary slips or ITR (2 years)
- ✓ Bank statements (last 6 months)
- ✓ Business proof (for business loans) — GST certificate, trade licence
How to Apply for a Loan
Four steps from checking eligibility to receiving funds in your account.
Check Eligibility
Use the online eligibility calculator. Enter your income, existing EMIs, and loan amount needed to see your options instantly.
Submit Application
Fill the digital application form on the Shriram platform. Upload documents via the app — no branch visit needed.
Credit Assessment
Our team verifies income, credit history, and repayment capacity. Approval decision is typically communicated within 24–48 hours.
Disbursal
Loan amount credited directly to your bank account. For secured loans (against MF/stocks), pledge is registered digitally before disbursal.
Frequently Asked Questions
What is the difference between Loan Against MF and Loan Against Stocks? +
LAMF lets you pledge mutual fund units for up to 50–80% of NAV. LAS lets you pledge listed equity shares for up to 50% of market value. Both keep your investments earning returns while you access liquidity.
Does a personal loan from Shriram require a salary slip? +
Salaried applicants need the last 3 months' salary slips and bank statements. Self-employed applicants can use 2 years' ITR and 6-month bank statements. Informal income programs are also available — contact your Shriram branch.
What happens if I miss an EMI? +
Missing an EMI triggers a late charge and a negative CIBIL entry. For LAMF/LAS, if the LTV breaches the threshold, Shriram may issue a margin call. Persistent default can result in pledged securities being sold.
Can I prepay my loan before the tenure ends? +
Yes. Personal and business loans can be prepaid after 6–12 months lock-in, with 2–5% foreclosure charges. Secured loans against MF/stocks can be repaid free after 3 months.
How is interest calculated on a Loan Against Securities? +
LAMF and LAS use overdraft-style interest — you pay only on the amount drawn, not the total approved limit. This makes it far cheaper than a term loan when you need partial access.
Get the Funds You Need — Fast
Apply for a personal loan, business loan, or unlock value from your portfolio — all fully digital with 24-hour approval.