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

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