About LoanDidi™ — Built by 36 Forts Capital

Our mission

Make small credit a right, not a privilege.

In India, the working class isn't poor because they don't earn. They're trapped because the financial system was never built for ₹5,000 emergencies, salary delays, or seasonal cashflow gaps.

Banks don't lend small. NBFCs target longer tenures. Credit cards remain out of reach. And so the moneylender steps in — at 70% per month, with humiliation thrown in for free.

LoanDidi exists to change that. We're building the trusted Didi every Indian family deserves — fast, fair, transparent, and judgment-free credit, available the moment life demands it.

By the numbers

300M+

Underserved Indians who need this credit access

₹8L Cr

Annual emergency-credit market opportunity in India

Up to ₹2L

Loan ticket size we're built for

61–180

Days of flexible repayment, aligned to salary

The parent company

Built by 36 Forts Capital

A finance-and-tech team rooted in Raipur, Chhattisgarh — proud of where we come from, building for the India that's often overlooked.

36 Forts Capital Private Limited

36 Forts Capital is a financial-technology company building LoanDidi™ — a credit-enablement platform that bridges the gap between financial need and access with dignity.

Inspired by the trusted role of an elder sister, the platform combines technology with human-centric design to deliver judgment-free, vernacular-first credit solutions. By partnering with regulated NBFCs, the company enables underserved and new-to-credit users to access small-ticket loans — with a special focus on the smaller ₹5,000 to ₹50,000 needs working families turn to most — while fostering financial literacy, trust, and responsible repayment behaviour.

Headquartered in Raipur, Chhattisgarh, India

contact@36fcapital.com

RBI-compliant Digital Lending Agent (DLA) and Loan Service Provider (LSP)

Our values

Dignity over volume

We'd rather lend less and serve well, than over-lend and ruin lives. Approval is a responsibility, not a sales target.

Transparency, end-to-end

Every fee, every rate, every clause — shown upfront, in your language. No fine print. No tricks.

Bharat-first design

Vernacular interfaces, voice support, and product flows tested in Tier 2 and Tier 3 settings — not just metro coffee shops.

Compliance is non-negotiable

RBI guidelines aren't a checkbox — they're the foundation. From data privacy to recovery practices, we go beyond what's required.

Leadership

Meet the Bharat-first team

Diverse, complementary, and obsessed with the same mission: dignified credit for India's working class.

Ojas Agrawal

CEO & Strategy

Chartered Accountant. MBA (Finance), SPJIMR Mumbai. Deep capital-markets and strategy-execution experience, with operational learnings from a family business background.

Aditya Khandelwal

COO & CMO

BTech and MBA (Marketing), NMIMS Mumbai. Operator-first founder with strength in partnerships, GTM, and hands-on business scaling.

Shreyash Holani

CFO

CA + CFA Level II. Investment professional in private credit. Ex-Citi credit analyst, bringing risk discipline and credit fundamentals to the team.

Akshay Sahu

Chief Growth Officer

A serial entrepreneur who has built and run ventures from the ground up. Brings sharp business instinct, relentless on-ground energy, and a deep conviction in LoanDidi's mission — leading growth, partnerships, and expansion across Bharat.

Karishma Jaiswal

CHRO

An entrepreneur at heart with years spent building teams and businesses. Passionate about people and culture, she leads hiring and the values that keep LoanDidi grounded — making sure the team stays as mission-driven as the day it started.

Tap the to meet more of our team

Where we're going

The long view.

Emergency loans are the entry point — not the destination.

01

A repeat-borrower engine

Build trusted credit relationships, not one-shot loans. Every on-time repayment improves your terms.

02

Bharosa Score

An alternative credit-scoring system that captures real cashflow behaviour — not just bureau history.

03

Vernacular & regional depth

Hindi, Marathi, Bengali, Tamil, Telugu, Kannada and beyond — credit access in your mother tongue.

04

Beyond loans

Insurance, savings, and financial-wellness products — bringing the full toolkit to Bharat.

Capital, made dignified.