About Samridhya — Your Trusted Financial Partner
Samridhya is a digital lending platform India trusts to simplify borrowing. We are an ONDC-registered loan aggregator headquartered in Bangalore, connecting millions of Indians with affordable credit from RBI-regulated banks and NBFCs — all through a single, paperless application.
Our Mission — Democratising Access to Credit
India has over 400 million credit-eligible adults, yet a significant portion of this population struggles to access formal lending channels. 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. We believe that access to credit should not 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 (ONDC) and advanced credit-assessment technology, we bring the best loan offers from multiple institutions directly to your phone — in minutes, not weeks.
Whether you need a personal loan for a medical emergency, a business loan to scale your MSME, or an education loan for your child's future, Samridhya ensures you compare real offers from verified lenders — so you always get the most competitive rate for your profile.
How We're Different
Samridhya is not just another fintech app. Here is what sets our digital lending platform apart from the rest.
ONDC Network Advantage
We are one of the earliest loan aggregation platforms built on the ONDC network. This means your single application is broadcast to every participating lender simultaneously. Instead of approaching banks one by one, you receive multiple competitive offers in real-time — transparency that was previously impossible in Indian lending.
Multi-Lender Comparison
Samridhya partners with leading RBI-registered banks and NBFCs including Bajaj Finserv, Aditya Birla Capital, and more. Our platform presents every eligible offer side by side — interest rates, processing fees, tenure options, and total cost of the loan — so you make informed decisions, not hurried ones.
100% Digital Process
From application to disbursal, everything happens on your phone. Upload your PAN, Aadhaar, and bank statements digitally. Complete video KYC from home. Sign the loan agreement electronically. No branch visits, no physical paperwork, no courier delays. Funds land in your bank account within 24 hours of approval.
AI-Powered Credit Assessment
Our proprietary credit engine analyses your financial profile against each lender's criteria in seconds. This means faster approvals — most personal loans are processed within 10 minutes. The system also identifies which lenders are most likely to approve your application, improving your success rate.
Zero Borrower Fees
Samridhya is completely free for borrowers. We do not charge any fees for using the platform, comparing offers, or submitting applications. All processing fees and charges are transparently disclosed by the lender before you accept any offer. There are no hidden costs — ever.
Pan-India Coverage
Whether you are in a metro city or a tier-3 town, Samridhya brings the same lending ecosystem to your doorstep. Our digital-first approach removes geographic barriers, ensuring that borrowers across India have equal access to credit from top financial institutions.
Our Story
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, witnessed countless individuals — salaried professionals, small business owners, students — struggle with fragmented loan processes: visiting multiple bank branches, filling out redundant forms, and waiting weeks for decisions that often ended in rejection.
When the Government of India launched the ONDC initiative to democratise digital commerce, we saw an opportunity to do the same for lending. Samridhya Innovations was founded with a clear vision: build a technology platform that puts the borrower first. By integrating with the ONDC financial services network, we created 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 loans — with amounts ranging from a few thousand rupees to several crores. Every loan on our platform comes from an RBI-registered institution, and every step of the process is digital, transparent, and secure.
Our Values
These principles guide every decision we make — from the partners we onboard to the features we build.
Transparency
No hidden fees, no surprise charges. Every interest rate, processing fee, and repayment term is disclosed upfront before you commit to anything.
Inclusion
We serve borrowers across income levels, geographies, and credit profiles. Our multi-lender network means there is an option for almost everyone.
Security
Your personal and financial data is protected with 256-bit SSL encryption. We are fully compliant with RBI data protection guidelines and never share your information without explicit consent.
Innovation
From AI-driven credit scoring to real-time ONDC loan broadcasting, we continuously invest in technology that makes borrowing faster, cheaper, and more accessible.
How the Samridhya Platform Works
From application to disbursal, here is how our digital lending platform connects you with the right lender in minutes.
Submit Your Profile
Download the Samridhya app and enter basic details — name, PAN, income, and employment type. The process takes under two minutes.
ONDC Broadcasts Your Request
Your application is securely shared with all participating lenders on the ONDC network. Multiple banks and NBFCs evaluate your profile simultaneously.
Compare Real Offers
Within minutes, you receive personalised loan offers with clearly stated interest rates, processing fees, and EMI schedules. Compare them side by side.
Accept & Receive Funds
Choose the best offer, complete e-KYC, and sign digitally. Funds are typically disbursed to your bank account within 24 hours of approval.
Why Borrowers Trust Samridhya
Security and compliance are not afterthoughts — they are the foundation our platform is built on.
RBI-Compliant Operations
Every lender on the Samridhya platform is fully registered with the Reserve Bank of India. We adhere to all RBI guidelines on fair lending practices, data privacy, and grievance redressal. Your rights as a borrower are always protected.
ONDC-Registered Platform
Samridhya is a verified participant in the Open Network for Digital Commerce (ONDC) — the Government of India's initiative to create an open, interoperable digital ecosystem. Our ONDC registration ensures that every transaction on the platform follows standardised protocols for transparency and consumer protection.
Bank-Grade Data Encryption
All data transmitted through the Samridhya app and website is encrypted using 256-bit SSL/TLS encryption — the same standard used by India's largest banks. Your personal documents, financial information, and credit data are never stored on unprotected servers or shared without your explicit consent.
Verified Lending Partners
We partner exclusively with RBI-registered NBFCs and scheduled commercial banks. Every institution on our platform undergoes a thorough compliance review before being onboarded. Currently, our partners include Bajaj Finserv, Aditya Birla Capital, and Aspire Finance, with more being added regularly.
Transparent Fee Structure
Samridhya earns from lender commissions — never from borrowers. We charge zero fees to applicants. All loan-related charges (processing fees, prepayment penalties, etc.) are clearly disclosed by the lender in the offer letter before you accept. No hidden costs, no surprises.
Dedicated Customer Support
Our support team is available Monday through Saturday, 9:00 AM to 6:00 PM IST, via phone, email, and in-app chat. Whether you need help with your application, have questions about an offer, or want to raise a grievance, real people are here to assist you.
Loan Products We Offer
From personal expenses to business expansion, Samridhya covers all major lending categories through the ONDC network.
Personal Loan
Up to ₹40 Lakhs with rates from 10.99% p.a. Approval in 10 minutes, zero collateral required.
Business Loan
Flexible financing up to ₹40 Lakhs for MSMEs, startups, and self-employed professionals.
Gold Loan
Unlock the value of your gold ornaments at rates from 7.99% p.a. with same-day disbursal.
Education Loan
Affordable education financing up to ₹50 Lakhs for domestic and international programs.
Wedding Loan
Fund your dream wedding with up to ₹25 Lakhs at competitive interest rates.
CGTMSE Loan
Collateral-free business loans up to ₹5 Crore backed by the Credit Guarantee Scheme.
Ready to Find the Right Loan?
Whether you are exploring your options or ready to apply, Samridhya makes it easy. Compare offers from multiple lenders, check your credit score for free, or speak to our team for personalised guidance.