Saarathi

Saarathi is a digital lending platform that empowers channel partners to source, match, and close loans end-to-end through a single unified app. Built to transform loan distribution across India, the app connects you with registered NBFCs and banks to distribute Home Loans, Loans Against Property, and Business Loans to qualified customers.

Source leads efficiently using the built-in QR code facility—hunt for prospects from anywhere and log them directly into the system. Once you've identified a lead, Saarathi Match analyzes customer profiles and connects them with the most suitable lender from your network of partners. This intelligent matching saves time and increases approval odds by pairing borrowers with lenders most likely to fund their request.

Manage commissions and payouts transparently through the Lender Corner, where you can view compensation structures across all partnered lenders. Digital file logins powered by API integrations let you submit applications directly to each lender's system without manual data entry or delays. Track every file status in real-time as it moves through underwriting and approval—no more guessing or chasing lenders for updates.

Automate your back-office operations with commission invoicing that generates digital invoices automatically, reducing administrative overhead. The Business Management section provides a complete ledger of your leads and pipeline, giving you full visibility into your sourcing activity and revenue.

Loans distributed through Saarathi typically range from 6 months to 30 years in tenure, with interest rates varying by lender, applicant profile, and loan type. For example, a ₹4.5 lakh personal loan at 15.5% interest over 3 years carries a monthly EMI of ₹15,710, with total repayment around ₹5,75,260 when accounting for processing fees and documentation charges. Prepayment flexibility and penal charges vary by lender policy.

Saarathi does not engage in direct lending—it is purely a platform facilitating connections between channel partners and registered financial institutions. All lending products and terms are governed by individual lenders' policies and regulatory requirements.

Download Saarathi today to grow your loan distribution business with a modern, integrated platform that handles sourcing, matching, filing, and tracking all in one app.