A fairer financial future
SmartCredit Ai.
Your potential.
Beyond a credit history.
For India's gig workers and first-time borrowers. Turn your everyday financial habits into a transparent score — and a clearer path forward.
Your data, your choice
Consent-first assessment
Clarity at every step
Transparent, explainable scoring
Built for responsible credit
Repayment capacity comes first
The complete picture
Credit, with more clarity.
From your first profile to the reasons behind your result. Nothing left in the dark.
Your financial profile
Bring income, employment and repayment history together in one place.
ExploreEveryday habits count
Rent, utility payments and savings give thin-file borrowers a fuller picture.
ExploreUnderstand your score
See your 300–900 credit score and a clear, easy-to-read risk category.
ExploreBorrow within your means
Explore an indicative loan amount based on safe repayment capacity.
ExploreKnow the reasons why
Follow every factor behind your score, with practical steps to improve.
ExploreFairness comes first
Explore bias, privacy and the principles behind responsible lending.
ExploreBuilt around you
Why choose us
No black-box decisions
Understand each factor behind your score and what you can improve.
More than a credit file
Everyday savings and payment habits help tell a fuller financial story.
Affordability comes first
Indicative eligibility considers your income and existing commitments, not just your score.
- 01
Build your profile
Start with a demo profile and choose what you consent to share.
- 02
Tell your financial story
Add your income, obligations and everyday payment habits.
- 03
See your score & next steps
Understand your eligibility, submit an application and track the decision.
Your next chapter starts here
Ready to see your indicative score?
A clearer picture of where you stand. A confident next step.