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Your trusted financial partner.
Samridhya is the digital lending platform India trusts to simplify borrowing — an ONDC-registered loan aggregator headquartered in Bangalore, connecting Indians with affordable credit from RBI-regulated banks and NBFCs through a single, paperless application.
Our mission
Democratising access to credit.
India has over 400 million credit-eligible adults, yet a significant portion struggles to access formal lending. Complex paperwork, opaque interest rates and limited lender reach keep millions underserved. Samridhya was founded to change that.
Our mission is simple: make borrowing transparent, fast and fair for every Indian. Access to credit shouldn't depend on where you live, who you know, or how many bank branches operate in your city. By leveraging the Open Network for Digital Commerce and advanced credit-assessment technology, we bring the best offers from multiple institutions directly to your phone — in minutes, not weeks.
Whether it's a personal loan for a medical emergency, a business loan to scale your MSME, or an education loan for your child's future — you compare real offers from verified lenders, so you always get the most competitive rate for your profile.
The difference
Not just another fintech app.
✦ONDC network advantage
One of the earliest loan aggregators built on ONDC — your single application is broadcast to every participating lender simultaneously, and competitive offers arrive in real time.
✦Multi-lender comparison
RBI-registered banks and NBFCs — Bajaj Finance, Aditya Birla Capital and more — presented side by side: rates, fees, tenures and total cost, so you decide informed, not hurried.
✦100% digital process
PAN, Aadhaar and bank statements uploaded digitally, video KYC from home, e-signed agreements. Funds land within 24 hours of approval — no branches, no couriers.
✦AI-powered assessment
Our credit engine matches your profile against each lender's criteria in seconds, routing your application to the lenders most likely to approve it. Most personal loans process in 10 minutes.
✦Zero borrower fees
Free for borrowers — no platform fees, no comparison charges. Every lender fee is disclosed before you accept an offer. No hidden costs, ever.
✦Pan-India coverage
Metro or tier-3 town, the same lending ecosystem reaches your doorstep. Digital-first means geography never limits your access to credit.
Our story
Born in Bangalore, built for Bharat.
Samridhya was born out of a firsthand understanding of how difficult it is for ordinary Indians to navigate the lending landscape. Our founders, based in Bangalore's thriving fintech ecosystem, watched salaried professionals, small business owners and students struggle with fragmented processes — visiting multiple branches, filling redundant forms, waiting weeks for decisions that often ended in rejection.
When the Government of India launched ONDC to democratise digital commerce, we saw the opportunity to do the same for lending. Samridhya Innovations was founded with a clear vision: build a platform that puts the borrower first — a system where lenders compete for your business, not the other way around.
Today Samridhya offers six loan products — personal, business, gold, education, wedding and CGTMSE — from a few thousand rupees to several crores. Every loan comes from an RBI-registered institution, and every step is digital, transparent and secure.
Our values.
These principles guide every decision — from the partners we onboard to the features we build.
Transparency
No hidden fees, no surprise charges. Every rate, fee and term is disclosed upfront.
Inclusion
Borrowers across income levels, geographies and credit profiles — our network has an option for almost everyone.
Security
256-bit SSL encryption, RBI data-protection compliance, and nothing shared without your explicit consent.
Innovation
AI credit scoring and real-time ONDC broadcasting — technology that makes borrowing faster, cheaper, fairer.
How the platform works.
Submit your profile
Basic details — name, PAN, income, employment — in under two minutes on the app.
ONDC broadcasts it
Your application reaches all participating lenders securely and simultaneously.
Compare real offers
Personalised offers with clear rates, fees and EMI schedules, side by side, within minutes.
Accept & receive funds
Choose the best offer, complete e-KYC, sign digitally — disbursal typically within 24 hours.
Trust & compliance
Security isn't an afterthought — it's the foundation.
RBI-compliant operations
Every lender is registered with the Reserve Bank of India, and we adhere to RBI guidelines on fair lending, data privacy and grievance redressal.
ONDC-registered platform
A verified participant in the Government of India's Open Network for Digital Commerce — standardised protocols for transparency and consumer protection.
Bank-grade encryption
256-bit SSL/TLS on everything — the same standard India's largest banks use. Your documents and data are never on unprotected servers.
Verified lending partners
Only RBI-registered NBFCs and scheduled banks, each through a compliance review before onboarding.
Transparent fee structure
We earn from lender commissions, never from borrowers. All loan charges appear in the offer letter before you accept.
Dedicated support
Real people on phone, email and in-app chat, Monday–Saturday, 9 AM – 6 PM IST.
Six kinds of dreams, one application.
Personal Loan →
Up to ₹40 Lakhs from 9.99% p.a. — approval in 10 minutes, zero collateral.
Business Loan →
Flexible financing up to ₹40 Lakhs for MSMEs and the self-employed.
Gold Loan →
Unlock your gold's value from 7.99% p.a. with same-day disbursal.
Education Loan →
Up to ₹50 Lakhs for domestic and international programs.
Wedding Loan →
Up to ₹25 Lakhs at competitive rates for the big day.
CGTMSE Loan →
Collateral-free business credit up to ₹5 Crore, government-guaranteed.
Ready to find the right loan?
Compare offers from multiple lenders, check your credit score free, or talk to our team for guidance.