Samridhya - Personal Loan App

Samridhya is an ONDC-based lending platform that connects users with RBI-compliant lenders (NBFCs and banks). It delivers a fast, 100% paperless experience with a goal to process loans in under 10 minutes, leveraging the ONDC Financial Services network to democratize access to credit in India.

By addressing interoperability gaps and the high costs of traditional loan processes, Samridhya aims to simplify integration between lenders and distributors on a common network, enabling low-cost distribution of financial products. The page highlights lender partners, mentions necessary app permissions (such as OTP verification for signup and loan signing), and provides examples of loan terms to illustrate pricing and repayment schedules.