Shriram Finance

Shriram Finance Limited is one of India's largest retail non-banking financial companies (NBFC), with roughly Rs 3.02 lakh crore in assets under management and 3,225 branches nationwide. It offers commercial-vehicle, two-wheeler, used-car, personal, business and gold loans, fixed deposits and fixed investment plans, general and life insurance distribution, Bharat BillPay (BBPS) bill payments, and UPI through its Shriram One app. The company runs consumer web and mobile products but publishes no public developer API, developer portal, or OpenAPI specification; a partner portal and a lending-service-provider program serve authorized business partners only.

Shriram Finance is profiled on the APIs.io network. Tagged areas include Company, Financial Services, NBFC, Lending, and Insurance.

Shriram Finance’s developer surface includes engineering blog, support, and 5 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

9.8/100 minimal ▬ flat Agent 0/100 human only Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0

0 APIs

Company Financial Services NBFC Lending InsuranceFixed DepositsBill Payments UPI Payments India

Kin Score

Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0

Composite quality — 9.8/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 1.8 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/shriramfinance: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
India Stack (Account Aggregator, ONDC, UPI, DigiLocker, Aadhaar)	regulated	20.6 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

RESO UPI

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Shriramfinance Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

About

About

Blog

Blog

Source (apis.yml)

aid: shriramfinance
name: Shriram Finance
description: Shriram Finance Limited is one of India's largest retail non-banking financial companies (NBFC), with roughly
  Rs 3.02 lakh crore in assets under management and 3,225 branches nationwide. It offers commercial-vehicle, two-wheeler,
  used-car, personal, business and gold loans, fixed deposits and fixed investment plans, general and life insurance distribution,
  Bharat BillPay (BBPS) bill payments, and UPI through its Shriram One app. The company runs consumer web and mobile products
  but publishes no public developer API, developer portal, or OpenAPI specification; a partner portal and a lending-service-provider
  program serve authorized business partners only.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://www.shriramfinance.in/media_1629469c2476817d47678a31aa59ade8b4529fcbd.svg
url: https://raw.githubusercontent.com/api-evangelist/shriramfinance/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- norwest-venture-partners
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Financial Services
- NBFC
- Lending
- Insurance
- Fixed Deposits
- Bill Payments
- UPI
- Payments
- India
tags_raw:
- Company
- Financial Services
- NBFC
- Lending
- Insurance
- Fixed Deposits
- Bill Payments
- UPI
- Payments
- India
- Financial-Services
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.shriramfinance.in
- type: About
  url: https://www.shriramfinance.in/about-us
- type: Blog
  url: https://www.shriramfinance.in/articles
- type: Support
  url: https://www.shriramfinance.in/contact-us
- type: TermsOfService
  url: https://www.shriramfinance.in/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.shriramfinance.in/privacy-policy
- type: DomainSecurity
  url: security/shriramfinance-domain-security.yml
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 1
  pass: local-v1

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