Terms of Use

These terms cover your use of the Shriram Credit Customer Account. Your loan agreement and Key Fact Statement cover the loan itself.

More languages are coming. The English version is the one that applies.

About these terms

The Customer Account lets you see your loans, withdraw, repay, pledge and manage your details. It is provided by Shriram Credit Company Limited.

You accept these terms once, the first time you log in. We tell you before they change, and ask again if a change affects you.

You log in with your registered mobile number and a one-time code, and on your own device with an MPIN or passkey.

Keep your MPIN to yourself. We never ask for your OTP or MPIN, by phone, email or WhatsApp.

Tell us at once if you think someone else has used your account.

Use the portal only for your own loans. Don't try to reach someone else's data or disturb the service.

Figures shown are based on the latest fund values we have. The loan agreement and statements are the record.

Offers apply only while they are shown in your account and only to the loans named in them. We may end an offer with notice in the portal.

Processing fee ₹999 + GST for loans sanctioned from 1 Nov 2026 to 31 Dec 2026. Otherwise the usual fee in your Key Fact Statement applies.

A top-up raises the limit of an existing loan against the funds already pledged. It needs a fresh Key Fact Statement and your e-sign.

If you turn on WhatsApp updates, we message you about your loans and applications only. Reply STOP any time, or turn it off in Account.

Loan Against Shares is a separate loan with its own agreement, eligibility check and Key Fact Statement.

These terms are governed by the laws of India. Courts in Chennai have jurisdiction.