Expanding credit access for India's next generation of borrowers

Helping individuals, merchants and businesses access formal credit through an open, interoperable lending ecosystem.

How it works
Open lending infrastructure• Multiple lenders• Diverse credit products• Faster credit journeys

Credit on ONDC, by the numbers

₹3B+disbursed

Credit disbursed through the network

11 lenders

Lenders live on the network

11 LSPs

Loan Service Providers active on the network

Unsecuredloans

Unsecured personal loans available today

Goldloans

Gold loans available on the network

Businessloans

Business lending in the pipeline

Creditcards

Credit cards in the pipeline

LAMFin pipeline

Loan Against Mutual Funds in the pipeline

9 more lenders

Additional lenders in the onboarding pipeline

Live across financial services apps

Appreciate, Blinkmoney, Elefin Money, Enrich Money, Mitr Sewa, Pyllar and Zeny distribute network credit products today.

View all participants

Millions of individuals and businesses continue to face challenges in accessing formal credit.

ONDC is helping create a more connected lending ecosystem that enables broader participation, greater efficiency and improved access to formal credit.

Common barriers include
01
Lengthy onboarding processes
02
Fragmented lender ecosystems
03
Limited access for first-time borrowers
04
Higher operational complexity across participants
For lenders
05
Multiple integrations increase deployment effort
06
Customer acquisition costs remain significant
07
Reaching underserved borrower segments can be difficult
One network.
Many lenders.
Broader access to formal credit.
Open Lending Infrastructure
One integration replaces multiple bilateral integrations · Faster go-to-market timelines · Lower technology costs and simpler participation
Access to Multiple Lenders
Multiple lenders on a common network · Greater product availability and better borrower matching · Improved credit accessibility
Support for Diverse Credit Products
Unsecured personal loans and gold loans · Business lending in the pipeline · Credit products for individuals and enterprises
Faster Digital Credit Journeys
Faster onboarding · Reduced operational effort · Improved customer experience and greater scalability

Participate in the Credit network

For Borrowers

Access formal credit opportunities, discover multiple lending options and complete credit journeys digitally.

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