Privacy Notice
This notice explains what personal data we collect, why we use it and who we share it with. It also covers how long we keep it and your rights under the Digital Personal Data Protection Act, 2023.
More languages are coming. The English version is the one that applies.
Data we collect
Identity and contact: name, PAN, mobile number, email and address.
KYC records from CKYC and DigiLocker, and your bank account for payouts and auto-debit.
Your mutual fund holdings, when you ask us to fetch them from MF Central or pledge them.
Your loan, repayment and request history, and the device you log in from.
Why we use it
To check your eligibility, give and run your loan, keep your account secure and answer your requests.
To send the updates you turn on, and offers only if you agree to them.
Consent and legitimate use
Consent: MF Central portfolio view for eligibility, WhatsApp updates, offers and product news, and personalised offers. You can withdraw any consent in Account, Privacy.
Legitimate use needs no consent. We name each one with who it involves:
KYC verification (CKYC and DigiLocker); credit bureau checks and reporting (credit bureaus); valuing pledged funds (MF Central).
The lien on pledged units (CAMS and KFintech); auto-debit (your bank); record keeping the law requires.
How long we keep it
We keep loan records for the period the law requires after your loan closes, then delete or anonymise them. Exact periods: as set out in your loan agreement.
Who we share it with
Credit bureaus; the registrars CAMS and KFintech; MF Central; your bank; and our lending service providers, each only for the purpose named.
We never sell your data or share your number for marketing.
Your rights
You can ask to access, correct or erase your data, nominate someone to act for you, or raise a concern. Use Account, Privacy, Make a Request after you log in.
We reply within 30 days, and never later than 90 days.
Data Protection Officer
Data Protection Officer, Shriram Credit Company Limited. Email dpo@shriramcredit.in. Shriram House, No. 4, Burkit Road, T. Nagar, Chennai 600017.
If you're not satisfied
Start with our grievance redressal policy.
If you're not satisfied with our reply, you can complain to the Data Protection Board of India.
Chat recordings
Chats with our assistant and team are recorded to answer you and improve the service. Recordings are kept for the period the law requires.
WhatsApp updates need your consent, given in Account or when you turn them on. Reply STOP to any message, or turn them off in Account, to withdraw it.
Cookies and storage
We use no third-party trackers. The portal stores only what it needs to keep you logged in and remember this device.
Your preferences on this device are stored in your browser.
Versions
Version 3, effective 1 Nov 2026. Earlier versions are available on request.