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India's smart digital loan platform · ONDC · RBI-compliant

Fuelyourdreams
withbettercredit.

One application reaches India's top banks & NBFCs through ONDC — and they compete for you. Watch: that's Rajesh applying for his food-stall loan, from first slider to approved offers.

Apply in 2 minutes→Watch the story
Lenders
10+
Disbursed
₹50L+
Avg. approval
10 min
⚡

Get instant loan offers
up to ₹10 Lakhs !!

Disbursement within minutes.

Apply Now
10+
Lenders
5 min
Avg. approval
100%
Secure
✓

Disbursement successful

₹4,90,000

Poonawalla Fincorp · 10.99% p.a. · 24 months

Credited to Rajesh's account · within 24 hours
✦

Hi! I'm Spendly AI

Ask me anything about your credit score, loans, or finances.

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Ask anything…↑

01 · The dream, made real

Rajesh needs ₹5 lakh for his food stall.

02 · The application

One application. Two minutes. Zero paperwork.

03 · The broadcast

Samridhya carries it to 10+ lenders. At once.

04 · The competition

Approved offers roll in. Rajesh chooses.

05 · The dream, running

Funded in 24 hours. Kitchen open.

06 · Beyond the loan

And Spendly AI keeps him saving. Every day.

Scroll to play Rajesh's story ↓

07 · Your dream

Rajesh built a kitchen. What will you build?

Six kinds of dreams, one application. The same lenders compete for every one of them.

01

Personal Loan

Quick personal loans with no collateral and instant digital approval.

Up to ₹40L
from 9.99% p.a.
→
02

Business Loan

Flexible financing for MSMEs — growth capital or equipment purchase.

Up to ₹40L
from 12% p.a.
→
03

CGTMSE Loan

Government-backed, collateral-free guarantee for micro enterprises.

Up to ₹5Cr
collateral-free
→
04

Education Loan

Affordable education financing with a moratorium period.

Up to ₹50L
from 8.5% p.a.
→
05

Wedding Loan

Make your dream wedding a reality with quick disbursal.

Up to ₹25L
from 10.99% p.a.
→
06

Gold Loan

Unlock the value of your gold with same-day disbursal.

Up to ₹2Cr
from 7.99% p.a.
→

08 · The honest math

Rajesh knew his EMI first. So should you.

Monthly EMI
₹16,367
Principal ₹5,00,000Interest ₹89,212
Total payable
₹5,89,212
Get this loan

09 · The proof

Rajesh isn't the only one. It's already working.

0
Happy customers
₹0L+
Disbursed till date
0 hrs
Max. time to money
Disbursed through our network₹M · financial year
₹18.5M
₹32M
₹53M
₹78.2M₹78.2M
'21–22'22–23'23–24'24–25

09 · Real voices

Their stories, in their words.

“
The experience was fast and reliable. Got my business loan approved in just 15 minutes. The referral rewards are a nice bonus too!
Aditya Kumar Singh
Small Business Owner
“
What impressed me most was the transparency — no hidden fees, clear terms, and I could compare offers from multiple lenders.
Ankita Jaiswal
IT Professional
“
Clean UI, smooth process, and excellent customer support. Got a personal loan at a much better rate than my bank.
Manjeet Kumar
Freelance Designer

09 · The cast behind every deal

The lenders who competed for Rajesh will compete for you.

Bajaj Finance logoBajaj FinanceNBFC · 10%–31% APRAditya Birla Capital logoAditya Birla CapitalNBFC · 10.99%–30% APRPoonawalla Fincorp logoPoonawalla FincorpNBFCZype logoZypeInstant loans · 16%–30% APRFlexSalaryLine of credit · 18%–45% APRRam FincorpInstant loansAspire Finance logoAspire FinanceNBFCGrow Money CapitalNBFCMeghdoot MercantileNBFCBajaj Finance logoBajaj FinanceNBFC · 10%–31% APRAditya Birla Capital logoAditya Birla CapitalNBFC · 10.99%–30% APRPoonawalla Fincorp logoPoonawalla FincorpNBFCZype logoZypeInstant loans · 16%–30% APRFlexSalaryLine of credit · 18%–45% APRRam FincorpInstant loansAspire Finance logoAspire FinanceNBFCGrow Money CapitalNBFCMeghdoot MercantileNBFC

*Indicative rates. Actual offers depend on your credit profile and each lender's assessment. All partners are RBI-regulated entities with published grievance-redressal and policy disclosures.

Meet all partners →

10 · Your turn

Rajesh's story is over. Yours starts
here.

Download Samridhya and apply in under 2 minutes. Completely free. No documents needed to start.

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🔒 Safe & secure·RBI compliant·100% paperless·Live tracking·English + हिन्दी

Epilogue · Questions

Before your story begins — answers.

Everything you need to know about Samridhya and our ONDC-powered lending platform.

Is Samridhya a secure app for taking loans?+

Yes. Samridhya is fully RBI-compliant and operates as a registered loan aggregator on the ONDC network. All data is encrypted with 256-bit SSL, and we never share your information without consent.

Is Samridhya partnered with RBI-registered NBFCs?+

Yes. We partner exclusively with RBI-registered NBFCs and banks including Bajaj Finserv, Aditya Birla Capital, and others. Every lender on our platform is fully regulated.

How does ONDC integration benefit me?+

ONDC (Open Network for Digital Commerce) allows your loan application to be broadcast to multiple lenders simultaneously — you get competitive offers from several institutions in real time, helping you find the best rate.

How fast is the loan approval process?+

Most personal loans are approved within 10 minutes of completing the application. Funds are typically disbursed within 24 hours of approval, directly to your bank account.

What documents do I need to apply?+

A valid PAN card, Aadhaar card, last 3 months' bank statements, and salary slips (for salaried applicants). The entire process is paperless — you upload documents digitally.

What is the maximum loan amount I can get?+

Personal loans up to ₹40 Lakhs, business loans up to ₹40 Lakhs, and gold loans up to ₹1 Crore. The exact amount depends on your credit profile and lender assessment.

Can I prepay or close my loan early?+

Yes. Prepayment and foreclosure options are available. Charges vary by lender — some offer zero prepayment charges on floating-rate loans. Check the specific terms with your chosen lender.

Does Samridhya charge hidden fees?+

No. Samridhya is a free platform for borrowers. We charge no fees from loan applicants, and all lender processing fees are clearly disclosed before you accept an offer.

How does Samridhya use my data?+

Your data is used solely to match you with suitable loan offers from our partner lenders. We follow strict data-protection standards and never sell your personal information.

What are the minimum and maximum tenures?+

Loan tenures range from 3 months to 84 months (7 years), depending on the loan type and lender. Choose a tenure that suits your repayment capacity during application.