Shriram Finance — Digital Lending Partnerships & Profile
Shriram Finance Limited. NBFC in India's digital lending ecosystem, with 14 tracked digital lending partnerships.
Snapshot
Reading the data
In India's digital lending stack, Shriram Finance operates as an RBI-registered NBFC, rated CARE AAA / Stable, listed (NSE), with ₹2.6 lakh Cr in AUM as of 2025-03. Our Market Map tracks 14 digital lending partnerships for Shriram Finance, including CreditMantri Finserve Private Limited, Hero Motocorp Limited and One97 Communications Limited. Cost of funds runs at 8.7–8.8% as of 2025-03 — the single most important number for judging what partnership economics it can support. Product focus: personal loans, business/MSME loans, vehicle finance, gold loans across tickets of ₹25K–₹1000 Cr and tenures of 12–84 months. Worth knowing: Standalone AUM Mar 2025. CoF ~8.69pct avg total borrowings. CV finance 46pct of AUM.
Products
Digital lending partnerships
| DLA / App | LSP / Owner | Available on |
|---|---|---|
| CreditFIT App | CreditMantri Finserve Private Limited | Google Play Store |
| creditmantri Website | CreditMantri Finserve Private Limited | Website |
| Hero App | Hero Motocorp Limited | Google Play store, Apple app store |
| Hero MotoCorp Website | Hero Motocorp Limited | Website |
| Paytm App/ Paytm for Business App | One97 Communications Limited | Google Play store, Apple app store |
| Paytm Website | One97 Communications Limited | Website |
| Digital lending pages of PhonePe Lending on PhonePe Business: Merchant App | PhonePe Lending Services Private Limited | Google Play Store, Apple App Store, Indus App Store |
| PhonePe Website | PhonePe Lending Services Private Limited | Website |
| Shriram Finance Limited Website | Shriram Finance Limited | Website |
| Shriram One App | Shriram Finance Limited | Google Play store, Apple app store |
| Trucks App website | Trucks Up Solution Private Limited | Website |
| Trucks Up App | Trucks Up Solution Private Limited | Google Play store |
| Shriram Finance Limited Website | Shriram Finance | Website |
| Shriram One App | Shriram Finance | Google Play store, Apple app store |
Frequently asked questions
Who are Shriram Finance's digital lending partners?
Shriram Finance has 14 digital lending partnerships tracked in the RBI digital lending registry, including CreditMantri Finserve Private Limited, Hero Motocorp Limited, One97 Communications Limited, PhonePe Lending Services Private Limited.
What is Shriram Finance's AUM and cost of funds?
Shriram Finance reports AUM of ₹2.6 lakh Cr (2025-03) and cost of funds of 8.7–8.8%, per public filings and rating documents.
What products does Shriram Finance offer through digital lending?
Shriram Finance is active in personal loans, business/MSME loans, vehicle finance, gold loans, with ticket sizes from ₹25K to ₹1000 Cr.
How do I evaluate Shriram Finance as a lending partner?
Run your product type, rate band, and ticket size through our Partner Finder to see whether Shriram Finance fits your model, and compare alternatives on the Market Map.
Does Shriram Finance fit your lending model?
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Primary source type: Rating-Rationale. Data confidence: High. Batch B2. Updated June 2026.
Data on this page is collated from public sources — the RBI Digital Lending App registry, rating agency rationales, and company disclosures — on a best-effort basis. Figures may be estimates (proxies are labelled), may be out of date, and may contain errors. Digital Lending.In makes no warranty of accuracy or completeness and accepts no liability for decisions made on this information. Nothing here is investment, legal, or partnership advice, or a recommendation of any institution. Verify independently before acting.