Bridging Aspirations and Access—Empowering Bharat with Digital Financial Inclusion

Shriram Capital is one of India’s largest and most trusted non-banking finance companies. It serves as the holding company for Shriram Group’s financial entities, including Shriram Finance, Shriram Life Insurance, and Shriram General Insurance. Shriram has a legacy dating back to 1974 and a deep commitment to financial inclusion.  It specializes in commercial vehicle financing, retail lending, insurance, and wealth advisory services, reaching millions across urban, semi-urban, and rural India. The company’s purpose is rooted in empowering underserved communities, bridging the gap between aspiration and access, and driving progress through responsible innovation.  

Shriram has reimagined how financial services are delivered to Bharat. The Shriram One platform is built on Azure Kubernetes Services and SQL Managed Instance and secured with Microsoft Defender for Cloud. It powers the Shriram Super App, a unified digital experience that integrates fixed deposits, vehicle loans, insurance, and more. Azure Machine Learning–based propensity models and predictive analytics personalize product discovery, while behavioral segmentation using Unified Payments Interface transaction patterns and spend analysis identifies high-potential customers. The platform’s cloud-native architecture ensures performance, reliability, and scalability. Its centralized data lakes and real-time pipelines enable seamless integration across services.

The Shriram One app stands apart as a hybrid fintech ecosystem, blending decades of grassroots service with cutting-edge digital technology. Its mobile-first design, vernacular support, and intuitive flows make financial services accessible to first-time smartphone users, while its phygital network ensures seamless digital journeys backed by offline support. Rewards, gamified campaigns, and AI-driven fraud detection foster engagement and trust, while end-to-end encryption and regulatory compliance safeguard every transaction. Teams leverage agent-operated workflows and continuous model tuning to improve accuracy, personalization, and customer experience. 

Shriram’s AI-driven transformation has led to remarkable outcomes. In less than two years since launch, Shriram One has achieved over 19 million downloads, six million active Unified Payments Interface users, and two million Unified Payments Interface transactions per month. It has outperformed industry stalwarts in adoption metrics. Monthly fixed deposit volumes surged from 40 to 50 crore Indian rupees to 300 crore Indian rupees, a sixfold increase over two years. AI-driven personalization has led to exponential growth in the fixed deposit business. At the same time, centralized data and real-time feedback loops have enabled new business growth in both fixed deposits and lending. The platform’s intuitive, vernacular-friendly interface and lightweight build empower underserved communities with secure access to payments, loans, investments, and insurance, making financial inclusion a lived reality across Bharat.  

Shriram’s transformation stems from its pioneering approach to AI and visionary leadership. By harnessing AI, the company is setting new benchmarks for innovation, inclusion and impact across India’s digital economy.