Smart Emi
Sectors as filed: P2P Lending
The website is as filed on the register. We have not checked that it resolves.
Six things we look for on every record: DPIIT recognition, a CIN, a website, a description, a logo and a funding signal. Not held here: DPIIT recognised, CIN on file, Logo and Funding signal.
What this record amounts to
Smart Emi is a Startup India record we can place no finer than Surendranagar district, which holds 151 records in this snapshot. It is filed under Finance Technology, which 11,526 records carry nationally. It carries no funding signal of any class, which is true of 137 of the 151 records in Surendranagar.
Every figure above is counted from the 2026-08 snapshot and is the same number the page it links to prints.
In their own words
https://www.figma.com/make/D1YBDzmW2v2WiTCdnPyCK2/EMI-Comparison-Marketplace?t=btY0YqdNl7HNzYvt-1Smart EMIWhat it isSmart EMI is a mobile app that gives instant loans (starting at ₹20,000) to buy mobiles and electronics. It connects customers to many banks at once to find the lowest interest rate in under 60 seconds.The ProblemMost people in small cities want a good phone or laptop but don't have a high "Credit Score" or "Salary Slip" to get a loan from big banks. Local shop paperwork takes hours and often gets rejected.The Solution (The App)Simple Sign-up: Just Phone Number and PAN card.Instant Check: Our "Loan Analyzer" checks eligibility instantly.Best Offers: We show 3-4 loan options from different banks (like KreditBee or Federal Bank).Fast Buy: The money is sent to the shop or user immediately to finish the purchase.How We Make Money (Profit)Bank Commission: We get 1.5% to 3% from the bank for every loan we bring them.Service Fees: A small processing fee shared with the partner.Future Growth: Once a user pays back a mobile loan, we offer them bigger loans for ACs, Fridges, or Laptops.Why We Will WinGujarat Focus: We are starting in local markets (Ahmedabad/Surat) where people prefer quick digital solutions over bank visits.Smart Tech: We use AI to approve users that big banks usually ignore.
Written by the company on its public Startup India profile. Not verified by us.
What the record says
- Registered on Startup India
- 2026
- Self-declared stage
- Prototype
- Industry
- Finance Technology
- District
- Surendranagar
- State
- Gujarat
Where this is
District
Surendranagar
Gujarat
Startup India records the district. We do not have a street address for this company, and we will not invent one.
No point is drawn, because we do not have one.
Geocode confidence: medium
See all Surendranagar records on the map How we placed this record
The neighbourhood
This record carries no locality line, so the district is the finest ring we can place it in.
What we do not know
- no CIN on file, so no company-registry record is linked
- no incorporation date
- no funding signal of any kind
- no address beyond the district
We have no liveness signal for any company on this site: no filings feed, no revenue, no check that the website still resolves. A record existing here means a record exists, not that a business is trading.
Is this your company?
Everything here comes from public government records. If something is wrong, the authoritative place to correct it is the Startup India portal itself, and we will pick the correction up on the next monthly snapshot. To flag an error on our side, use the report link or write to trust@indianstartupmap.com.
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Keep looking
One record is one row. Surendranagar has 151.
See Surendranagar