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ArticlePeer ReviewedOpen AccessPlagiarism Passed
Paper ID:IJSREM58865

A Comparative Study on Digital Lending for Gold, Personal and Business (MSME) Loans with Reference to Shriram One App at Kamala Nagar Branch, Ananthapuramu

Stream/Area:

-

Subject:

-

Paper ID:

IJSREM58865

Volume:

10 |

4 |

April 2026

Pages:

Publication Frequency:

Monthly (12 issues per year)

DOI
Digital Object Identifier
10.55041/IJSREM58865

License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.

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Authors

END

Ediga Nalini Devi

DPJR

Dr. P. Jayarami Reddy

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Abstract

This study examines digital lending through the Shriram One App for Gold, Personal, and MSME Loans. The study analyzes efficiency, utility, and customer satisfaction using primary data from 120 respondents and secondary data from company reports. Findings reveal that most users are aged 29-35 (45%) and are salaried employees (40%). Gold Loans are most preferred (50%), followed by Personal Loans (30%) and MSME Loans (20%). Majority (84%) find digital lending faster than traditional methods, while 75% are satisfied with loan approval. Digital lending has reduced branch visits for 80% of respondents. Challenges remain in document uploading and MSME loan complexity.

KEYWORDS

Digital Lending FinTech Gold Loans Personal Loans MSME Loans Shriram One App

Cite This Article

Ediga Nalini Devi, Dr. P. Jayarami Reddy, "A Comparative Study on Digital Lending for Gold, Personal and Business (MSME) Loans with Reference to Shriram One App at Kamala Nagar Branch, Ananthapuramu," International Journal of Scientific Research in Engineering and Management, vol. 10, no. 4, April 2026. https://doi.org/10.55041/IJSREM58865

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Publication Date

2/3/2026

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Double-Blind Peer Review

Review Rounds: 2

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The authors declare no conflict of interest related to this research work.

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