Instant Personal Loan App - Quick approval, 100% digital & AI Credit analysis.
About Samridhya - Personal Loan App
Samridhya - Personal Loan App is a finance app developed by SAMRIDHYA INNOVATIONS PRIVATE LIMITED.
Download Statistics
Samridhya - Personal Loan App has been downloaded 200 thousand times. In the last 30 days, the app was downloaded 120 thousand times.
User Ratings
The app has no ratings yet.
App Information
Samridhya - Personal Loan App is FREE to download. The APK download size is 35.76 MB. The latest version available is 2.11.9. The last update was on August 19, 2026.
Technical Requirements
The app has a content rating of Everyone. The app has been available on Google Play 1 week ago.
Description
Samridhya – India's Trusted Instant Personal Loan Marketplace
Need an instant personal loan online without paperwork? Samridhya is India's trusted digital loan marketplace app for personal loans, business loans & GST loans from ₹1,000 to ₹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.
🔹 Personal Loan – Instant personal loans up to ₹40,00,000 for medical emergencies, travel, weddings, home renovation & daily expenses. Quick disbursal and flexible EMIs for salaried & self-employed.
🔹 Business Loan & GST Loan – Working capital from ₹20,000 to ₹40,00,000 for MSMEs, traders & startups.Apply with GST details or basic financials; tenure 12–84 months.
AI CREDIT SCORE ANALYSIS – DETAILED REPORT @ JUST ₹49
Check your credit score instantly and understand it with AI: 🔹 One-time ₹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
Spendly AI is your built-in AI financial advisor for smarter spending decisions: 🔹 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 AN INSTANT 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)
REPRESENTATIVE LOAN EXAMPLE (as per RBI guidelines)
Loan Amount: ₹20,000 Tenor: 24 months APR: 17.07% Processing Fees: ₹160 Other Upfront Charges: ₹400 Insurance: ₹240 Net Disbursed: ₹19,600 Total Interest: ₹3,274 Monthly EMI: ₹970 × 24 Total Payable: ₹23,674 Repayment tenure: 12 to 84 months Maximum APR: 25%
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 instant personal loan & AI credit score app. Apply for a quick online loan with low interest rates and 100% digital process, and start your journey to financial prosperity today!
For support, reach us via the Contact Us section in the app.
Recent changes: Fixed Selfie bug in loan application
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Comments on Samridhya - Personal Loan App for Android
★★★★☆Zahir Khan· Aug 6, 2026
Good 👍 emergency purpose use this loan high interest rate
★★★★★Abhijeet Jha· Aug 6, 2026
Really impressed with how clean and easy the app is to use. Everything is well organized, and the personal loan journey is simple to understand. Great experience overall!
★☆☆☆☆Shubhashis Bose· Aug 10, 2026
I am writing to express my disappointment regarding the lack of response from your team. Despite my previous requests, I have not yet received a call or any support.
★☆☆☆☆Veloci Raptor· Aug 8, 2026
Data collecting app. No loan or whatsoever. These are apps designed to sell your data. Beware of such fraudsters scumbags.
Google Play Rankings for Samridhya - Personal Loan App
This app is not ranked
Technologies used by Samridhya - Personal Loan App
Samridhya - Personal Loan App is requesting 21 permissions and we don't have library information (yet).
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Each subscription will automatically renew 3 days before the expiration date for
the same time period. Subscriptions can be cancelled at any time before the renewal.
