Shriram One (Shriram Finance) App Reviews, Customer Care Number & Details

Shriram Finance's own app: personal loans from 11% a year, up to 5% fee, 12 to 60 months

This Shriram One (Shriram Finance) app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified Shriram One (Shriram Finance) customer care number and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

NBFCRBI RegulatedSelf-Employed OK

Reviewed by BankCreds App Review Team· App Review Analysts Updated 4 November 2026

Shriram One is the app of Shriram Finance Limited, and the personal loan you apply for in it comes straight from Shriram Finance, an RBI-registered NBFC in the Upper Layer that also takes public deposits. The catch to know before you sign: its policy lets it block foreclosure for 12 months after your first EMI, and closing later can cost up to 4% of the principal. As of November 2026, Shriram's website lists personal loans up to ₹10,00,000 over 12 to 60 months from 11% a year, with a processing fee of up to 5%. The app's Play listing goes further, quoting up to ₹15 lakh at an APR of 11% to 36%. We checked those terms against its own policies, RBI records and recent user reviews.

Quick Facts

4.3★ · 1.9L

Play Store

₹10L

Max Loan

11% to 36% a year

Interest Rate

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

12 months to 60 months

Tenure

Up to 5% + GST

Processing Fee

Play Store rating sourced from Google Play, as of 4 Nov 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 3.0/5

Shriram promises approval in hours and payout in hours to days, but an executive call is part of the process and some reviewers report long waits.

Interest & cost 3.0/5

An 11% floor is low, yet digital loans can be priced up to 36% with a fee of up to 5%, penal charges of up to 36% a year and costly exits.

App experience 3.0/5

Shriram One rates 4.3 stars with 1Cr+ downloads, but recent reviews describe crashes, logouts, missing loan details and no foreclosure button.

Customer support 2.5/5

Toll-free lines, a named grievance officer and a 30-day reply rule exist, but pages list different numbers and reviewers say emails go unanswered.

Safety & transparency 4.0/5

The lender is an Upper Layer RBI-registered NBFC that discloses its own app, though RBI fined it twice in 2025 and its privacy policy contradicts itself.

Loan Details & Charges

Loan Amount ₹50,000 to ₹10,00,000

Interest Rate 11% to 36% a year

Tenure 12 months to 60 months

Processing Fee Up to 5% + GST

Late Payment Penal charges of up to 36% per annum on instalments in arrears (Interest Rate Policy; Kolkata personal-loan page: 36%* p.a. on the overdue amount); mandate rejection ₹500 per month until a new mandate is registered; collection visit up to ₹500

Foreclosure Up to 4% of the principal prepaid / outstanding; Shriram may instead set a lock-in under which you cannot foreclose or part-prepay for 12 months from the first EMI (early exit only at its discretion, at up to 4% over the normal charge); additional 2% if another financier takes over the loan; part payment not available. One city page says prepayment up to 5%, and the FAQ page says you can foreclose at any time.

Bounce Charges Up to ₹1,000 per instance of cheque/ACH/ECS bounce (Interest Rate Policy)

Eligibility Criteria

Age 21-60 years

Employment Salaried; self-employed only if pre-approved with an existing Shriram relationship (otherwise steered to a business loan). Indian residents only.

Documents PAN; identity proof (Aadhaar, passport, driving licence or voter ID); address proof (passport, driving licence, utility bill or rental agreement); income proof for the last 3 months (salary slips); bank statements for the last 6 months; recent passport-size photos; one cancelled cheque and an eNACH mandate form

What It Actually Costs

Loan amount ₹1,00,000

Tenure 24 months

Monthly EMI ₹4,707

Total interest ₹12,968

Processing fee ₹2,000 + 18% GST = ₹2,360, deducted upfront

Total repayment ₹1,12,968

Illustrative, built on the example in Shriram One's Play listing (12% a year, ₹2,000 fee); totals use the rounded EMI. About ₹97,640 reaches your bank after GST, and your KFS rate may be far higher, since the app quotes 11% to 36% APR.

Try the Shriram One (Shriram Finance) EMI calculator

Pros

The lender is Shriram Finance itself, an RBI-registered, deposit-taking NBFC in the Upper Layer
Shriram names Shriram One as its own digital lending app on its LSP and DLA disclosure page
Rates start at 11% a year, with tenures of 12 to 60 months and loans up to ₹10,00,000
Fees, penal charges and foreclosure rules are set out in a published Interest Rate Policy
A named Grievance Redressal Officer with phone and email, and a 30-day reply commitment

Cons

Foreclosure can be blocked for 12 months after the first EMI, then costs up to 4% of principal
Digital personal loans can be priced up to 36% a year, and branch loans up to 42%
Processing fee of up to 5% plus GST, and penal charges of up to 36% a year on overdue EMIs
Shriram's pages disagree on the maximum loan (₹10 lakh or ₹15 lakh) and the prepayment fee
Personal loans are mainly for salaried people; the self-employed need a pre-approved offer

Our Verdict

Shriram Finance is about as established as Indian NBFCs get. It sits on RBI's register as a deposit-taking company in the Upper Layer, it names Shriram One as its own digital lending app, and it publishes an interest rate policy, a recovery code and a named grievance officer. That's a world away from the anonymous loan apps we usually warn readers about. The weak spots are price and exit. The 11% headline is only a floor: the policy allows up to 36% on digital personal loans and 42% through branches, plus a fee of up to 5% and penal charges of up to 36% a year. Foreclosure can be locked for a year, part payment isn't offered, and Shriram's own pages disagree on the top loan amount and the prepayment fee. RBI fined the company twice in 2025, once for routing loan repayments through a third party's account. The app is also busy with UPI, deposits and bill payments, and recent reviews complain of crashes, missing loan details, slow NOCs and unanswered emails. It suits salaried borrowers with a clean record who want a regulated lender and expect to keep the loan for its full term. Read the KFS line by line before you accept.

Who Shriram One (Shriram Finance) suits

Salaried borrowers who want a large, long-established lender rather than a small app NBFC

People who need ₹50,000 or more and plan to repay over 12 to 60 months

Existing Shriram customers who see a pre-approved offer in the app

Borrowers happy to deal with a branch, since Shriram has over 2800 of them

Look elsewhere if

You may want to repay early: a 12-month lock-in and up to 4% foreclosure fee can bite

You're self-employed without a pre-approved offer, as Shriram steers you to a business loan

You need a small loan for a few weeks; the shortest tenure here is 12 months

Not sure the app is genuine? Is Shriram One (Shriram Finance) real or fake? How to check it yourself

Things to Watch

RBI fined Shriram Finance ₹2.70 lakh in July 2025 for routing loan repayments through a third party's account, breaching its digital lending rules
RBI also fined it ₹5.80 lakh in February 2025 over KYC risk reviews, agent contracts and credit bureau reporting
The privacy policy says it may ask for one-time access to call logs and contacts, then says it doesn't access them; Play lists contacts and SMS as collected
Recent Play reviews report crashes, loan details not showing, NOC delays, closed loans still on credit reports and unanswered emails
Fraudsters copy the name: police in Sriganganagar shut a fake 'Shriram Finserv' page that took processing fees from loan seekers

How to Apply for Shriram One (Shriram Finance)

1

Install the real app

Download Shriram One from Google Play and check that the developer is Shriram Finance Limited; Shriram's own website links to the same listing.
2

Register and verify

Sign up with your mobile number and OTP, then enter your PAN and personal details.
3

Choose amount and tenure

Pick an amount and a tenure between 12 and 60 months, complete KYC and add your employment and bank details.
4

Take the call, read the KFS

Shriram says a customer-care executive contacts you to finish the process. Check the rate, APR, fee, lock-in and foreclosure terms in the KFS before you accept.
5

Set up repayment

EMIs are collected by eNACH auto-debit, so keep the account funded: each bounce can cost up to ₹1,000 plus penal charges.

Documents Required

PAN card

Identity proof: Aadhaar, passport, driving licence or voter ID

Address proof: passport, driving licence, utility bill or rental agreement

Salary slips or income proof for 3 months and bank statements for 6 months

Passport-size photos, a cancelled cheque and an eNACH mandate form

What Real Users Say

Read the stars with care: many recent five-star reviews are one or two words, polished five-star posts cluster on the same days, and the same five-star text appears under at least two different names.

Shriram One holds 4.3 stars from about 1.88 lakh ratings with 1Cr+ downloads as of November 2026, but recent reviews split between very short five-star posts and detailed one-star complaints. Most reviewers use it for vehicle loans, gold loans, deposits or UPI; few mention the personal loan.

What users love

Reviewers like handling loan details, EMI payments, fixed deposits, UPI and bill payments in one place, and call the interface simple.

Common complaints

Common complaints: the app crashes or logs out, loan details and documents don't load, there's no foreclosure option in the app, NOCs take weeks, closed loans stay on credit reports, support emails get auto-replies, and sales or reminder calls follow a login. One September 2026 reviewer said a personal loan first quoted at 18% came back at 35% after documents were submitted.

How Shriram One (Shriram Finance) Compares

vs Bajaj Finserv — Bajaj Finance is another Upper Layer NBFC with its own app, so get a KFS from both and compare APR and foreclosure terms, not starting rates.

vs Tata Capital — Tata Capital is a large regulated NBFC selling personal loans online, which makes it a fair second quote before you accept Shriram's offer.

vs SMFG India Credit — SMFG India Credit lends similar amounts to salaried borrowers; set its foreclosure schedule against Shriram's 12-month lock-in.

How we tested

Checked in November 2026. On 4 November we read Shriram Finance's personal-loan, charges, eligibility and how-to-apply pages, its interest rate, recovery and grievance policies, its LSP and DLA disclosure and its privacy policy. We matched the company against RBI's NBFC list as on 30 September 2026 and two RBI penalty orders, then read the Shriram One Play listing, its data safety page and the newest reviews. RBI's DLA directory would not load, and we didn't take a loan, so live offers are unverified.

Shriram Finance (Shriram One) Customer Support Details

For a loan problem, call the toll-free loans line, 1800 103 4959, or raise a request in the Shriram One app, which leaves a written record. App faults go to appsupport@shriramfinance.in and loan issues to grievance@shriramfinance.in. Shriram's pages list other helpline numbers too, so stick to these. Still stuck? Write to Grievance Redressal Officer Ms. Uma Maheswari VR, then go to RBI's ombudsman if 30 days pass.

Shriram Finance (Shriram One) customer care number	1800 103 4959
Shriram Finance (Shriram One) WhatsApp number	NA
Shriram Finance (Shriram One) customer support email ID	appsupport@shriramfinance.in
Registered lending entity	Shriram Finance Limited (RBI-registered NBFC, formerly Shriram Transport Finance), which lends directly through Shriram One
Shriram Finance (Shriram One) grievance officer email	grievance@shriramfinance.in

Verified from Shriram Finance (Shriram One)'s official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. Full Shriram One (Shriram Finance) customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is Shriram One safe, and is Shriram Finance RBI registered?

Yes. Shriram One is the official app of Shriram Finance Limited, which appears in RBI's list of registered NBFCs as on 30 September 2026 as a deposit-taking company in the Upper Layer. Shriram's own disclosure page names Shriram One as its digital lending app. RBI did fine the company in February and July 2025 for compliance lapses, but its registration is active.

What does a Shriram Finance personal loan really cost?

Rates start at 11% a year, but Shriram's policy allows up to 36% for digital personal loans and 42% through branches. Add a processing fee of up to 5% plus GST, deducted from the payout. Late EMIs attract penal charges of up to 36% a year, and a bounce costs up to ₹1,000. Your KFS shows the actual APR, so compare that figure.

How much can I borrow on Shriram One, and for how long?

Shriram's website says up to ₹10,00,000, repaid over 12 to 60 months, while the Shriram One Play listing says up to ₹15 lakh. Its EMI calculator starts at ₹50,000. The amount you're offered depends on income, credit history, existing EMIs and Shriram's own checks, so treat the top figure as a ceiling, not an offer.

Who is eligible, and what documents are needed?

You must be an Indian resident aged at least 21 when you apply and no older than 60 when the loan ends. The personal loan is mainly for salaried people; self-employed applicants need a pre-approved offer. Keep PAN, Aadhaar or another ID, address proof, 3 months of income proof, 6 months of bank statements, photos and a cancelled cheque ready.

How do I contact Shriram Finance customer care or complain?

Call the loans toll-free line 1800 103 4959, raise a request in the app, or email grievance@shriramfinance.in for loan issues and appsupport@shriramfinance.in for app faults. If that fails, write to Grievance Redressal Officer Ms. Uma Maheswari VR on 044-2464 2733. With no reply in 30 days, complain to RBI's ombudsman portal.

Can I close a Shriram Finance personal loan early?

Usually, but read your KFS first. Shriram can set a lock-in that blocks foreclosure and part payment for 12 months from the first EMI. After that, foreclosure costs up to 4% of the principal, plus another 2% if a different lender takes over the loan. Part payment isn't offered at all, so you can only close the loan in full.

How do I file a complaint against Shriram One (Shriram Finance)?

Work the escalation ladder in order. First, raise the complaint with Shriram One (Shriram Finance) support (appsupport@shriramfinance.in) and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer at grievance@shriramfinance.in. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.

How do I stop harassment calls from Shriram One (Shriram Finance) recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (grievance@shriramfinance.in), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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69	RuleMudra Decimus Financial Limited (formerly K.C.Fincap Limited); press release also names Basel Investments Limited (not confirmed by Basel)	4	₹1L	Up to 365% a year	Read Review
70	MoneyWide MyLoanCare Ventures Private Limited	4	₹3L	16% to 36% a year	Read Review
71	KarmaLife Partner NBFCs incl. Avanti Finance, Niyogin Fintech, Bhawana Capital and Resilient Finance (BharatPe Capital); the lender for each loan is named in the app and KFS	4	₹0	17.95% to 36% a year	Read Review
72	Godrej Priority Money Godrej Finance Limited	4	₹60L	10.99% to 18% a year	Read Review
73	Fi Money Stock Guardians (India) Private Limited (Fi Loans), plus Federal Bank, IDFC FIRST Bank, Aditya Birla Capital, Earlysalary Services (Fibe), Incred Financial Services and the P2P platforms NDX P2P (LiquiLoans) and Innofin (LenDenClub)	4	₹10L	12.75% to 36% a year	Read Review
74	Chola One (Cholamandalam) Cholamandalam Investment and Finance Company Limited (lends directly; owns the app)	4	₹3L	14% to 36% a year	Read Review
75	The Zenith Loan Zenith Machinery Private Limited	4	₹1L	264% to 456% a year	Read Review
76	Snap Paisa Ampire Finance Private Limited	4	₹1L	15% to 35% a year	Read Review
77	SalariedLoan Gopi Securities Private Limited	4	₹5L	35% a year	Read Review
78	Sabka Loan Mahashakti Financiers Limited	4	₹1L	Up to 36% a year	Read Review
79	RupeeGo Salora Capital Limited	4	₹5L	Up to 36% a year	Read Review
80	Paisa Daily Ready Leasings Private Limited	4	₹50,000	365% a year	Read Review
81	PaisaBoxx Sawalsha Leasing & Finance Private Limited	4	₹1L	Not published	Read Review
82	Ola Loan InCred Financial Services, Tata Capital, Kisetsu Saison Finance (Credit Saison India), Poonawalla Fincorp, DMI Finance and other partners named by Ola Financial Services	4	₹10L	Not published	Read Review
83	Money Finserve Gopi Securities Private Limited	4	₹5L	35% a year	Read Review
84	KredTap Salora Capital Limited (the website also names Capital Trade Links Limited)	4	₹1L	12% to 32.5% a year	Read Review
85	Kredito24 North East Hire Purchase Company (India) Private Limited (also GSD Trading And Financial Services Private Limited and Asomi Finance Private Limited)	4	₹40,000	0% to 73% a year	Read Review
86	Fundo Baba U.Y. Fincorp Limited	4	₹1L	182.5% to 365% a year	Read Review
87	CashToYou Mount Shikhar Financial Services Limited, Savantika Vanijya Private Limited	4	₹40,000	0% to 73% a year	Read Review
88	Apollo Finvest Apollo Finvest (India) Limited	4	₹50,000	Not published	Read Review
89	Dhan Pocket Pawansut Holdings Limited (named by Dhan Pocket; the NBFC's own website does not list it)	4	₹1L	0.5% – 1% per day (182.5% – 365% a year); the site also prints an APR of 15% – 35%	Read Review
90	DhanCash Ind Global Securities Limited	4	₹1L	0.4% – 1.1% per day (146% – 401.5% a year)	Read Review
91	Aditya Birla Personal Loan Aditya Birla Capital Limited (NBFC-ICC, Upper Layer; Aditya Birla Finance merged into it)	4	₹50L	10% – 28% p.a.	Read Review
92	DigiCredit Khosya Finlease Private Limited (NBFC); DSG Investments Private Limited also shown as a partner	4	₹75,000	Up to 36% p.a. (stated cap; floor not disclosed)	Read Review
93	FatakPay FDPL Finance Private Limited (wholly-owned RBI-registered NBFC subsidiary, sole lender)	4	₹5L	18% – 40% p.a.	Read Review
94	InstaMoney Innofin Solutions Private Limited; Aeroflex Finance Private Limited (NBFCs). InstaMoney is operated by Roctogen Services Pvt Ltd (not an NBFC).	4	₹1L	24% – 48% p.a.	Read Review
95	Ram Fincorp R.K. Bansal Finance Private Limited (NBFC, self-declared RBI registration B-14.00700); Ram Fincorp = Kundanmal Technology Pvt Ltd, LSP only	4	₹2L	15% – 35% p.a. (listed)	Read Review
96	RapidMoney RuLoans Financial Services Pvt Ltd; Pooja Finstock International Ltd (PFIL Finance); Fintree Finance Pvt Ltd — RapidMoney (MoneyTime Technology Solutions Pvt Ltd) is an LSP	4	₹15,000	36.5% – 54.75% p.a. (quoted as 0.1% – 0.15% per day), before the 15% processing fee	Read Review
97	Unity SFB Personal Loan Unity Small Finance Bank Limited (bank, lends on own book)	4	₹5L	16% – 30% p.a.	Read Review
98	Zype Respo Financial Capital Private Limited	4	₹5L	18% – 34% p.a.	Read Review
99	True Fund	4	₹0	Not disclosed	Read Review
100	Tap4Credit	4	₹0	Not disclosed	Read Review
101	Poonawalla Fincorp	4	₹5L	16% p.a. onwards (no published cap)	Read Review
102	PayTrust	4	₹0	Not disclosed	Read Review
103	HDFC SmartEMI HDFC Bank Limited (scheduled private sector bank)	4	₹0	From 0.99% per month; rates actually charged Apr–Jun 2026: 10.80%–24.96% p.a.	Read Review
104	DMI Finance	4	₹10L	13.99% – 24.90% p.a.	Read Review
105	BharatPe Credit Line YES Bank (Pay Later line); personal loans via BharatPe Capital, Unity Small Finance Bank, Poonawalla Fincorp, InCred, Piramal Finance, Aditya Birla Capital, L&T Finance and other partner lenders	4	₹15L	18% – 70% p.a.	Read Review
106	Chintamani Finlease Chintamani Finlease Limited	3.8	₹3L	Up to 26% a year	Read Review
107	ZapCash Weekline Investment & Trading Co. Limited (also BMW Fin-Invest Private Limited)	3.8	₹5L	12% – 30% p.a. advertised; lender policy prices payday loans at 0.10% – 1.00% per day	Read Review
108	ATD Money ATD Financial Services Private Limited	3.7	₹50,000	36.5% to 182.5% a year	Read Review
109	InstaPe Suryoday Small Finance Bank Limited (RBI-licensed small finance bank) and Mufin Green Finance Limited (RBI-registered NBFC)	3.6	₹0	Up to 30% a year	Read Review
110	AbhiCash C.N.M.P. Investments Private Limited	3.6	₹2L	14% to 36% a year	Read Review
111	Lendingkart Lendingkart Finance Limited	3.5	₹50L	13.5% to 35% a year	Read Review
112	Omozing Aparampaar Finance Private Limited	3.5	₹25L	11% to 59% a year	Read Review
113	Instant Mudra Chintamani Finlease Limited	3.5	₹30,000	Up to 66% a year	Read Review
114	Cash247 Meghdoot Mercantile Private Limited	3.5	₹2L	12% to 32.5% a year	Read Review
115	Udhaar Box Moneyplus Financial Services Limited	3.4	₹50,000	10.5% to 365% a year	Read Review
116	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
117	SalaryMantra Bagmane Traders Private Limited	3.1	₹1.5L	Up to 35% a year	Read Review
118	LoanTap LoanTap Credit Products Private Limited (in-house NBFC), with MAS Financial Services Limited as co-lender; I-Loan Credit Private Limited is also named as a LoanTap lender	3	₹10L	12% to 26% a year	Read Review
119	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review