SDL (Shubh Dhan Lakshmi) gives you quick, transparent loans repaid on your next salary date. No hidden charges, no paperwork delays.
Built for salaried Indians who need fast, fair, and transparent financial support — with rewards built in.
Approved loans are sent directly to your UPI ID within 24 hours — no bank visits, no waiting.
Loan limits grow with your salary profile and repayment history. Build credit with every on-time repayment.
Interest 2%, portal 8%, processing 9% — all disclosed upfront. No hidden fees.
Get 1% of your loan amount credited to your SDL wallet on every timely repayment. Save while you borrow.
Invite friends and earn 1% of their loan amount, credited automatically when they repay.
Bank-grade encryption protects your PAN, address, and UPI data. Verified within 24 hours.
Three simple steps from application to disbursement.
Create your account, verify your identity with PAN and address proof. Approval within 24 hours.
Choose your amount, see all charges upfront, and submit. Get approved and receive funds via UPI.
Repay via UPI on your next salary date. Earn savings back and grow your loan limit for next time.
SDL (Shubh Dhan Lakshmi) is India's No.1 friendly loan platform built on trust and community. We provide short-term salary-backed friendly loans with transparent terms. Our mission is to help individuals meet urgent financial needs between salary cycles through a community-driven lending model.
Everything you need to know about SDL loans.
SDL is a friendly loan platform for India that provides short-term salary-backed loans. You borrow now and repay on your next salary date via UPI — no long forms, no bank visits.
Your loan limit depends on your salary profile and repayment history. New users start with a modest limit that grows with each on-time repayment. Admins review and approve each loan within 24 hours.
SDL charges are fully transparent: 2% interest, 8% portal charge, and 9% processing fee. The total repayment amount is shown before you request the loan. On timely repayment, you get 1% back in your wallet.
Once approved, the loan amount is transferred directly to your UPI ID within 24 hours. You'll receive a WhatsApp notification and email confirmation with your agreement.
A daily overdue charge applies for late payments. We'll send reminders via WhatsApp before your due date. Consistent on-time repayments increase your loan limit for future borrowing.
Share your referral link with friends. When they register and repay their first loan, you earn 1% of their loan amount — credited automatically to your wallet.
Yes. All personal and financial data is encrypted and stored securely. We use your information only for loan processing and KYC verification. We never sell your data to third parties.
Download the SDL Android app and manage your loans, repayments and savings wallet right from your phone.
If asked, allow installs from this source in your phone settings, then open the downloaded file.
Click to read our terms and privacy policy.