How Shriram Capital is Redefining Financial Services for a Digital Generation

When a 51-year-old financial powerhouse decides to reinvent itself for a generation raised on smartphones, the results can be transformative. Shriram Capital Ltd., best known for financing India’s bottom-of-the-pyramid entrepreneurs, truck owners, and small businesses, has taken a bold leap into the digital age with the launch of its Shriram One Super App.

Shriram Capital operates across multiple verticals: Shriram Finance (NBFC), Shriram Life Insurance, Shriram General Insurance, and Shriram Wealth. Each vertical traditionally had its own applications and processes, making customer engagement fragmented.

The vision for Shriram One was clear—bring everything under one roof. Customers would no longer need multiple apps to access different services. Instead, one application would handle fixed deposits, loans, insurance products, and wealth management solutions, all while enabling payments and lifestyle services.

“We wanted one app to do everything—from opening a fixed deposit to booking travel tickets. It’s ...