Fuel your dreams
with Samridhya
Whatever your dream — a new business, your child's education, or the perfect wedding — we connect you with India's top lenders to make it happen.
1K+
Happy Customers
₹50L+
Disbursed
10 min
Avg. Approval
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Personal Loan
Up to ₹40L
Starting from 9.99% p.a.
Trusted Partners
Loan Offers
3 offers matched via ONDC
Bajaj Finserv
36 months tenure
Loan Amount
₹5,00,000
Interest
10.99%
Aditya Birla Capital
24 months tenure
Loan Amount
₹4,50,000
Interest
12.5%
Aspire Finance
12 months tenure
Loan Amount
₹3,00,000
Interest
15%
Loan Approved!
Your personal loan has been approved and will be disbursed shortly.
Funds will be credited within 24 hours
Loans for every
dream.
From personal needs to business growth — compare offers from top lenders in one place.
Personal Loan
Quick personal loans with no collateral and instant digital approval.
Business Loan
Flexible financing for MSMEs — growth capital or equipment purchase.
CGTMSE Loan
Government-backed collateral-free guarantee for micro enterprises.
Education Loan
Affordable education financing with moratorium period.
Wedding Loan
Make your dream wedding a reality with quick disbursal.
Gold Loan
Unlock the value of your gold with same-day disbursal.
Why Should You Use
Samridhya?
Quick Online Loan App
Apply from anywhere in under 2 minutes.
Affordable Rates
Starting from just 9.99% p.a.
Custom Offers
AI-matched to your profile and credit score.
Flexible EMI
Tenures from 12 to 84 months.
100% Paperless
Fully digital — zero physical documents.
Real-Time Tracking
Track status live at every stage.
Multiple Offers
Compare banks & NBFCs side-by-side.
MSME Loans
Specialized products for self-employed.
Every dream deserves a chance.
Start My Dream Business
— Rajesh, Lucknow
Rajesh wanted to open a food stall. With a ₹3L business loan approved in 10 minutes, his dream kitchen is now serving 200+ customers daily.
My Child's IIT Dream
— Priya, Chennai
Priya needed ₹8L for her son's coaching. Samridhya connected her with the best education loan — approved paperlessly in under 30 minutes.
The Perfect Wedding
— Ankit, Jaipur
Ankit wanted a grand celebration without financial stress. A ₹5L wedding loan made the dream sangeet, venue and catering possible.
Expand My Growing Store
— Meena, Bangalore
Meena's wellness store needed inventory expansion. A collateral-free CGTMSE loan of ₹15L helped her double her revenue in 6 months.
How It Works.
Your loan application reaches multiple lenders in seconds through India's open digital commerce network.
Quick Application
Submit basic details in under 2 minutes.
ONDC Gateway
Your application is broadcast to multiple lenders.
Lender Evaluation
Receive live offers from Bajaj, Birla, Aspire & more.
e-KYC & Disbursal
Complete video KYC, sign digitally, get funded.
Manage on Samridhya
Track EMIs, get credit reports, apply for new loans.
Built for speed
& simplicity.
Everything you need in a loan app — nothing you don't.
Quick Approval & Disbursal
Get approved in as fast as 10 minutes with 24-hour disbursal.
Apply Anytime, Anywhere
Our app is available 24/7. Apply from the comfort of your home.
Multiple Lender Offers
Compare live offers from top banks & NBFCs via ONDC.
Monthly EMI
₹16,369
Tenure
48 mo
Flexible EMI Options
Choose tenures from 12 to 84 months that suit your repayment capacity.
100% Digital & Paperless
Completely paperless — application to e-sign to disbursal.
Live Tracking
Track your loan status at every stage through the app.
Loans for Every Need
Personal, business, education, wedding, gold — we cover it all.
Bilingual Support
Full support in English and Hindi for wider accessibility.
See It In Action
Watch How Samridhya Works
From application to disbursal in minutes. See the seamless experience that thousands trust.
100% digital. No paperwork. No branch visits.
Simple & Fast
Three steps to your dream
No branches. No paperwork. Just you and your phone.
Tell Us Your Dream
Download the Samridhya app and fill a quick application. Basic details, no paperwork — takes less than 2 minutes.
Compare Live Offers
Your profile is instantly broadcast via ONDC to top banks & NBFCs. Compare interest rates, tenures, and terms in real-time.
Get Funded
Select the best offer, complete video e-KYC, sign digitally — funds hit your bank account within 24 hours.
Loan success
till today —
₹0M
Some previous stats of growth / year
18.5M
2021-22
32M
2022-23
53M
2023-24
78.2M
2024-25
0
Happy Customers
0
Loans Disbursed
0
Avg. Approval
0
Lending Partners
Trusted lending
partners.
Bajaj Finserv
NBFCAditya Birla Capital
NBFCAspire Finance
NBFCBecome a lending partner
Access 50K+ pre-screened customers, seamless API integration, and grow your loan book.
What our customers
are saying.
“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 · Jul 2025
“What impressed me most was the transparency — no hidden fees, clear terms, and I could compare offers from multiple lenders.”
Ankita Jaiswal
IT Professional · Jul 2025
“Clean UI, smooth process, and excellent customer support. Got a personal loan at a much better rate than my bank.”
Manjeet Kumar
Freelance Designer · Jul 2025
Ready to start your
financial journey?
Download Samridhya and apply for a loan in under 2 minutes. Completely free.
Got questions?
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. This means 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 for a loan?
- You need 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 are available 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 do not charge any fees from loan applicants. All processing fees and charges are clearly disclosed by the lender 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. Read our full Privacy Policy for details.
- What is the minimum and maximum loan tenure?
- Loan tenures range from 3 months to 84 months (7 years), depending on the loan type and lender. You can choose a tenure that suits your repayment capacity during the application process.