36 Forts Capital builds technology-first financial products for Bharat — bridging the gap between India's aspiring workforce and responsible, accessible credit.
36 Forts Capital is a fintech product company — not a traditional lender. We build regulated, technology-driven lending infrastructure for India's working class.
Our first product, LoanDidi™, is India's relationship-first emergency credit platform — designed to replace predatory moneylenders through NBFC partnerships.
In India, the poor aren't poor because they don't work. Capital is simply hard to get. We're changing that.
In Indian families, there is one safe bank: Didi. LoanDidi™ is that trusted relationship built into an app — operating as a Digital Lending Agent (DLA) with regulated NBFC partner XXXXX, serving salaried workers, gig workers, and micro self-employed individuals across Tier 2/3 India.
Four founders with skin in the game — promoters building this for the long term.
Our founders carry functional titles to communicate domain responsibility — but they are shareholders and owners first.
Anchors 36 Forts' strategic direction — bridging institutional financial thinking with grounded real-world execution.
The growth engine of 36 Forts — puts LoanDidi™ in front of its users and partners with strong GTM muscle.
The financial and compliance backbone — brings institutional-grade risk discipline from Citi to a startup context.
The technological moat-builder — proprietary AI decision engine that makes LoanDidi's underwriting genuinely different.
Across Tier 2 and Tier 3 cities, millions of working Indians face a brutal reality: when emergencies arrive, fair credit is out of reach. They turn to moneylenders charging 50–100% per month, or go without.
The combination of UPI, Account Aggregator, DigiLocker, and AI underwriting has finally made it possible to serve this borrower with dignity, speed, and compliance.
We seek NBFC partnerships, DLG line support, strategic advisers, and execution capital. If you believe in dignified credit for India's working class, let's talk.