Samridhya - Personal Loan App

Samridhya – India's Trusted Personal Loan Marketplace Need a personal loan online without paperwork? Samridhya is India's trusted digital loan marketplace app for personal loans, business loans & GST loans from Rs 5,000 to Rs 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. REPAYMENT PERIOD - Minimum repayment period: 91 days (3 months) - Maximum repayment period: 84 months (7 years) Samridhya does not offer, promote or facilitate short-term loans that require repayment in full in 60 days or less from the date the loan is issued. WHY SAMRIDHYA IS INDIA'S SMARTEST LOAN APP - Loan amount: Rs 5,000 to Rs 40 Lakh - Interest rates from 9.99% p.a. - APR range: 11% to % p.a. - Flexible tenure: 3 to 84 months - Approval in minutes, disbursal within 24 hours - 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 - Rs 5,000 to Rs 40,00,000 for medical emergencies, travel, weddings, home renovation & daily expenses. Repayment tenure 3 to 84 months, with monthly EMIs for salaried & self-employed borrowers. Business Loan & GST Loan - Working capital from Rs 20,000 to Rs 40,00,000 for MSMEs, traders & startups. Apply with GST details or basic financials; tenure 12 to 84 months. AI CREDIT SCORE ANALYSIS - DETAILED REPORT @ JUST Rs 49 Check your credit score instantly and understand it with AI: - One-time Rs 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 - 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 A 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: REPRESENTATIVE LOAN EXAMPLE (as per RBI guidelines) Loan Amount: Rs 20,000 Tenure: 24 months APR: 17.07% Processing Fees: Rs 160 Other Upfront Charges: Rs 400 Insurance: Rs 240 Net Disbursed: Rs 19,600 Total Interest: Rs 3,274 Monthly EMI: Rs 970 x 24 Total Payable: Rs 23,674 Minimum repayment tenure: 3 months (91 days) Maximum repayment tenure: 84 months Maximum APR: % 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 personal loan & AI credit score app. Apply for a loan online with a 100% digital process and start your journey to financial prosperity today! For support, reach us via the Contact Us section in the app.