Samridhya

SAMRIDHYA INNOVATIONS PRIVATE LIMITED

About this app

Samridhya: Fast Loans & Smart Money App
Looking for a loan but tired of endless paperwork and waiting days for approval? Meet Samridhya (समृद्धि)—your ultimate financial co-pilot designed to bring you speed, choice, and true financial prosperity.

Whether you need an instant personal loan or want to master your financial health, Samridhya uses advanced AI tech to get you from application to approval in minutes.

Why Choose Samridhya?
⚡ Lightning-Fast Approvals
We’ve built a blazing-fast digital application engine. Fill out your details once, submit across multiple top lenders simultaneously, and watch the loan offers roll in. No more manual phygital hassles—just pure speed.

🏦 Unmatched Multi-Lender Network
By integrating both the cutting-edge ONDC network and top-tier independent financial institutions, we bring India’s best lenders directly to your screen. Compare transparent offers and choose the one that suits you best.

🧠 AI-Powered Credit Insights
Get a deep-dive AI analysis of your credit report. Understand exactly what impacts your score and unlock personalized, low-interest loan options tailored just for you.

🛍️ Spendly AI: Smart Buying Decisions
Say hello to Spendly AI, your new way to make smart purchasing decisions. Analyze your finances before you buy so you can balance your lifestyle choices with long-term wealth building.

🔒 Global Security Standards
Your privacy is our top priority. All your personal and financial data is completely safe, encrypted, and secured using bank-grade global compliance standards.

Our Trusted Lending Partners
We partner exclusively with RBI-registered NBFCs and banks to ensure a 100% compliant, fair, and safe borrowing experience.

Through our Independent & ONDC Networks:

Bajaj Finance

Hero Fincorp

Poonawalla Fincorp

Aditya Birla Capital

Zype

Flex Salary

CreditSea

Cashvia

Ram Fincorp

Transparent & Non-Predatory Loans Policy
We strictly adhere to RBI guidelines to ensure a transparent borrowing experience with zero hidden costs.

Repayment Tenure: Minimum 3 months to a maximum of 6 years (72 months).

Maximum Annual Percentage Rate (APR): Up to 25%

Representative Example of Total Loan Cost (as per RBI Guidelines):

Loan Amount: ₹20,000

Tenor: 24 Months

Annual Percentage Rate (APR): 17.07%

Processing Fees & Upfront Charges: ₹400

Insurance Charges: ₹240

Net Disbursed Amount: ₹19,600

Total Interest Charge: ₹3,274

Monthly EMI Installment: ₹970

Total Number of Installments: 24

Total Amount to be Paid: ₹23,674

What’s new

Improved offer cards.
Fixed Spendly AI chat