Shriram One (Shriram Finance) EMI Calculator
Estimate your monthly EMI for a Shriram One (Shriram Finance) personal loan at 11% - 36% p.a.. Adjust the amount, rate and tenure to plan repayment before you apply.
Your Monthly EMI
₹8,838
per month
₹1,06,058
Total Payable
₹1,00,000
₹6,058
Shriram One (Shriram Finance) Loan at a Glance
11% - 36% p.a.
Interest Rate
₹10,00,000
Max Loan
12 months to 60 months
Tenure
Up to 5% + GST
Processing Fee
Approvals 'in as little as a few hours'; disbursal 'often within a few hours to days'; pre-approved loans 'within 72 hours'. A customer-care executive calls to complete the application.
Disbursal
What a ₹1,00,000 Shriram One (Shriram Finance) Loan Costs
Here's a worked example for a ₹1,00,000 loan over 12 months at 11% p.a. — the interest is what you pay on top of the amount you borrow.
₹8,838
Monthly EMI
₹6,056
Total Interest
₹1,06,056
Total Repayment
Note: a processing fee (Up to 5% + GST) and applicable GST are charged separately and are not included above.
Shriram One (Shriram Finance) EMI Table @ 11% p.a.
| Loan Amount | 6 months | 12 months | 18 months | 24 months | 36 months |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,721 | ₹884 | ₹605 | ₹466 | ₹327 |
| ₹25,000 | ₹4,301 | ₹2,210 | ₹1,513 | ₹1,165 | ₹818 |
| ₹50,000 | ₹8,603 | ₹4,419 | ₹3,026 | ₹2,330 | ₹1,637 |
| ₹1,00,000 | ₹17,205 | ₹8,838 | ₹6,052 | ₹4,661 | ₹3,274 |
| ₹2,00,000 | ₹34,411 | ₹17,676 | ₹12,104 | ₹9,322 | ₹6,548 |
| ₹5,00,000 | ₹86,027 | ₹44,191 | ₹30,259 | ₹23,304 | ₹16,369 |
| ₹10,00,000 | ₹1,72,055 | ₹88,382 | ₹60,519 | ₹46,608 | ₹32,739 |
* EMI calculated using the reducing-balance method at 11% p.a. (0.92% per month). Your actual EMI depends on the rate Shriram One (Shriram Finance) offers you. Rate sourced from Shriram One (Shriram Finance)'s official disclosures, verified 4 Nov 2026.
How Shriram One (Shriram Finance) EMI Is Calculated
An EMI (Equated Monthly Instalment) is the fixed amount you repay each month — part interest, part principal. Shriram One (Shriram Finance) uses the standard reducing-balance formula, so the interest portion shrinks every month as your outstanding balance falls.
- P = principal (the amount you borrow)
- r = monthly interest rate = annual rate ÷ 12 ÷ 100 (here, 11% ÷ 12 = 0.92%)
- n = number of monthly instalments (the tenure)
How to Lower Your Shriram One (Shriram Finance) EMI
Choose a longer tenure
Spreading the loan over more months cuts each EMI — but raises total interest, so balance affordability against cost.
Borrow only what you need
A smaller principal means a smaller EMI. Avoid topping up just because a higher limit is offered.
Improve your credit score
A higher CIBIL score can earn a lower rate than 11% - 36% p.a., directly reducing your EMI.
Prepay when you can
Part-prepaying early in the tenure lowers the outstanding balance and the interest you pay on every future EMI.
Ready to apply with Shriram One (Shriram Finance)?
Check your eligibility in under two minutes — no impact on your credit score — and see the rate and EMI you actually qualify for.
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