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Bajaj Finserv vs Shriram One
Side-by-side comparison of Bajaj Finserv and Shriram One on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| Bajaj Finserv | Shriram One | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Bajaj Finserv Ltd | Shriram Group |
| Category | personal | personal |
| APR range | Upto 28% | Upto 30% |
| Processing fee | Upto 5% | Upto 3% |
| Tenure | 3–61 mo | 12–61 mo |
| Ticket size | ₹10,000–₹500,000 | ₹50,000–₹1,500,000 |
| Our rating | 5/5 | 4.2/5 |
| Verdict | Recommended | Recommended |
Bajaj Finserv
Good
- Largest listed NBFC
- Strong grievance redressal
- Clear documentation
Watch out
- Cross-sell pressure (insurance, EMI cards)
Last reviewed: 2026-06-06
Shriram One
Good
- Upper Layer NBFC under RBI SBR
- 3,000+ branches
- Listed on NSE/BSE
- Strong rural/semi-urban presence
Watch out
- APR can hit 36% for thin-file/SE customers
- PF + GST stacks on disbursal
Last reviewed: 2026-06-06