About us
SmartCredit Ai.
A financial story is more than a credit history.
For India's gig workers, home-based entrepreneurs and first-time borrowers, a thin credit file can hide real financial discipline. SmartCredit Ai brings income, repayment history and everyday habits together for a clearer assessment.
Our purpose
Make credit easier to understand.
We focus on the credit-invisible: people with little or no formal borrowing history. Our academic prototype uses a transparent, weighted scorecard — not a trained AI model — to explain an indicative score and estimate affordable repayment capacity. It does not issue loans or make real lending decisions.
Why choose us
Every score explained
See how each factor contributes, along with practical ways to improve.
Everyday habits matter
Savings, rent and utility payments add context when your credit file is thin.
Responsible by design
Consent-first onboarding, affordability checks and no Aadhaar or bank credentials.