Samridhya - Personal Loan App Android

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
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