Samridhya

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 have 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 percent

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

• Loan Amount: INR 20,000
• Tenor: 24 Months
• Annual Percentage Rate (APR): 17.07 percent
• Processing Fees & Upfront Charges: INR 400
• Insurance Charges: INR 240
• Net Disbursed Amount: INR 19,600
• Total Interest Charge: INR 3,274
• Monthly EMI Installment: INR 970
• Total Number of Installments: 24
• Total Amount to be Paid: INR 23,674