Skip to content
Arthya
Download

Last updated:

About Arthya

Our Mission

Arthya exists to make personal credit more accessible, transparent, and respectful in India. We believe that millions of working Indians deserve a faster, cleaner way to discover loan options from legitimate lenders — without giving up their privacy, their personal data, or their peace of mind.

What Arthya Is

Arthya is a loan marketplace, not a lender. We help you discover RBI-registered Non-Banking Financial Companies (NBFCs) and banks that may be a fit for your borrowing needs, and we make it easy to submit an inquiry to the lender of your choice. After that, the conversation happens directly between you and the lender.

We are not a bank. We are not an NBFC. We do not hold a lending license, we do not issue loans, and we do not make credit decisions. All of those things are the responsibility of our Lender Partners — regulated entities supervised by the Reserve Bank of India.

What Arthya Is Not

We want to be very clear about what we are not, because the digital-lending space in India has been polluted by predatory apps that abuse user trust. Arthya is not:

  • Not a lender. We never disburse money.
  • Not a data harvester. We do not request access to your contacts, SMS messages, call logs, photo gallery, or any other sensitive permission on your phone. The code to request those permissions simply does not exist in our app.
  • Not a credit-score destroyer. Submitting an inquiry through Arthya does not trigger a credit pull and will not affect your CIBIL or other credit scores.
  • Not a marketing pipeline. We do not sell your data to anyone. The information you provide for a specific loan inquiry goes only to the lender you selected.
  • Not "instant approval" or "guaranteed loan". No legitimate lender can guarantee approval, and we will never make that claim.

How Arthya Works

  1. Tell us what you need. Open the app, share your basic loan preference (amount, purpose, employment type, monthly income range). Most of these are pickers and dropdowns — we do not collect your exact income figure, just the range bucket.

  2. See lender options. We show you a list of Lender Partners whose published criteria match your profile. Each listing is clearly labeled with the lender's name, RBI registration status, interest-rate range, and indicative tenure.

  3. Apply directly. When you pick a lender, your inquiry is sent to that lender only. You can track the status — Submitted, Viewed, In Review, Contacted — from inside the app.

  4. Talk to the lender. Once a Lender Partner is interested, they will reach out to you directly. From that point onward, the loan terms, documentation, KYC, and disbursement are between you and the lender, governed by their policies and your loan agreement with them.

Why We Built Arthya

The Indian digital-lending market has two extremes. On one end, there are large established players that work, but feel impersonal and bury fees in fine print. On the other end, there are predatory apps that have caused real human harm — harassing borrowers, leaking contact lists, and pressuring people into ruinous loans. Hundreds of these apps have been removed from the Play Store in recent years.

We wanted to build something in the middle: a small, focused, honest marketplace that treats users like adults. Less data, more clarity. No promises we cannot keep. No tricks.

What We Believe About User Data

Your data is yours. We collect only what we need to do the job at hand. We never broker your contact information to multiple lenders without your say-so. We never share with marketers, data brokers, or anyone else outside our explicitly named Lender Partners.

When you delete your account, we delete your data. Not after a "review period." Not after we "explore commercial opportunities." We anonymize immediately and hard-delete after a 30-day legal-hold window, full stop.

Compliance and Regulation

Arthya operates as a digital lending intermediary under guidance issued by the Reserve Bank of India for digital lending platforms. We work only with RBI-registered NBFCs and banks. Our handling of personal data follows the Digital Personal Data Protection Act, 2023, and the Information Technology Rules, 2021.

We have appointed a Grievance Officer per the IT Rules, 2021. Contact details for our Grievance Officer are available in the app under Settings > Grievance Officer and on this website.

The Team

Arthya was started by a small team of engineers and product designers based in India who have spent years building consumer apps. We believe that small, focused teams build the best software, and we plan to stay small.

We do not have venture-capital pressure to scale unnaturally. We are not trying to be everything to everyone. We want to be one good thing for one specific job: helping you find a fair loan from a legitimate lender, without exhausting yourself.

What is Next

Phase 1 of Arthya — the version you are using now — focuses purely on connecting users with lenders. We deliberately do not have features like in-app credit scoring, auto-routing across multiple lenders, or AI underwriting. Those features tend to require more data than we are willing to ask for.

In future phases, we may add:

  • Loan-status updates pulled directly from lender APIs (with your consent)
  • Comparison tools for offers from multiple lenders
  • Repayment reminders and budgeting tools
  • An option to download an annual summary of your loan inquiries

Anything we add will follow the same data-minimization principle: ask for the least, share with the fewest, retain for the shortest.

Get in Touch

We welcome feedback, suggestions, bug reports, and partnership inquiries.

Thank you for using Arthya. We will work hard to deserve your trust.

Disclaimer: This About page is a starting draft. Update placeholder fields (team details, operating entity, registered office) before publishing publicly. Have the page reviewed by a qualified legal professional familiar with Indian fintech regulations (RBI digital-lending guidelines, DPDP Act 2023) before publishing.