Samridhya - Personal Loan App

SAMRIDHYA INNOVATIONS PRIVATE LIMITED

About this app

Samridhya – India's Trusted Instant Personal Loan Marketplace

Need an instant personal loan online without paperwork? Samridhya is India's trusted digital loan marketplace
app for personal loans, business loans & GST loans from ₹1,000 to ₹40,00,000. Compare offers from multiple
RBI-registered banks & NBFCs, complete 100% paperless KYC, and get money in your bank account within 24
hours. ONDC-registered, with a transparent Key Facts Statement (KFS) on every offer.

WHY SAMRIDHYA IS INDIA'S SMARTEST LOAN APP

✅ Loan amount: ₹1,000 to ₹40 Lakh
✅ Low interest rates from 9.99% p.a. | APR 11%–25%
✅ Flexible tenure: 1 to 84 months
✅ 10-minute approval & 24-hour disbursal
✅ 100% digital KYC – completely paperless
✅ Low processing & transaction fees
✅ Multiple lender offers in one app
✅ Non-predatory lending policy
✅ 10 languages: English, Hindi, Marathi, Tamil, Telugu, Gujarati, Kannada, Punjabi, Odia & Malayalam.

LOAN TYPES

🔹 Personal Loan – Instant personal loans up to ₹40,00,000 for medical emergencies, travel, weddings, home renovation & daily expenses. Quick disbursal and flexible EMIs for salaried & self-employed.

🔹 Business Loan & GST Loan – Working capital from ₹20,000 to ₹40,00,000 for MSMEs, traders & startups.Apply with GST details or basic financials; tenure 12–84 months.

AI CREDIT SCORE ANALYSIS – DETAILED REPORT @ JUST ₹49

Check your credit score instantly and understand it with AI:
🔹 One-time ₹49 payment – no recurring charges
🔹 Factor-by-factor breakdown: payment history, credit utilisation, credit age, loan mix & hard inquiries
🔹 Personalised AI tips to improve your credit score & unlock lower interest rates
🔹 Score-based loan matching with lenders most likely to approve you
🔹 Track your credit score improvement month by month

SPENDLY AI – YOUR SMART MONEY COMPANION

Spendly AI is your built-in AI financial advisor for smarter spending decisions:
🔹 Purchase affordability score before you buy a phone, gadget or appliance
🔹 Buy now vs save vs EMI recommendations based on your income & expenses
🔹 AI budget insights to find hidden savings and build long-term wealth

HOW DO I GET AN INSTANT LOAN WITH SAMRIDHYA?

1. Install the Samridhya loan app & register with mobile OTP
2. Select loan amount, income & purpose
3. Add personal details (PAN, DOB, employment)
4. Compare loan offers from multiple lenders
5. Complete digital KYC & add bank details
6. Receive the approved amount directly in your bank account

ELIGIBILITY

• Indian national
• 21 years or above
• Steady monthly income (salaried or self-employed)

TRUSTED LENDING PARTNERS

We partner only with RBI-registered banks & NBFCs:
• Bajaj Finserv
• Poonawalla Fincorp
• Hero FinCorp
• R.K. Bansal Finance Ltd (Ram Fincorp)
• Grow Money Capital (Cashvia)
• Meghdoot Mercantile Pvt Ltd (Creditsea)
• mPokket Financial Services
• Agrim Fincap Pvt.Ltd (TrueFunds)
• Vivifi India Finance Ltd (FlexSalary)
• Chinmay Finlease Ltd

REPRESENTATIVE LOAN EXAMPLE (as per RBI guidelines)

Loan Amount: ₹20,000
Tenor: 24 months
APR: 17.07%
Processing Fees: ₹160
Other Upfront Charges: ₹400
Insurance: ₹240
Net Disbursed: ₹19,600
Total Interest: ₹3,274
Monthly EMI: ₹970 × 24
Total Payable: ₹23,674
Repayment tenure: 12 to 84 months
Maximum APR: 25%

SAFE & TRANSPARENT BORROWING

Bank-grade security, real-time loan application tracking, flexible EMI & repayment options, and a clear KFS on
every loan offer – no hidden charges, no predatory lending.

Download Samridhya – India's trusted instant personal loan & AI credit score app. Apply for a quick online loan with low interest rates and 100% digital process, and start your journey to financial prosperity today!

For support, reach us via the Contact Us section in the app.

What’s new

Minor bug fixes