Help & grievance
How can we help?
I have no credit history. Can I still apply?
Yes. SmartCredit Ai gives extra weight to alternative data such as on-time rent, utility and UPI payments for thin-file borrowers.
Why was my application declined?
Open your dashboard — every decision lists the main reasons and steps to improve. You can also raise a grievance below to request a human review.
Do you check my Aadhaar or bank password?
Never. This prototype collects no Aadhaar, PAN, bank credentials or card details.
Can I withdraw my consent?
Yes. Logging out and clearing your data removes everything stored in this browser.
Escalation path
- Level 1 · Support desk
Response within 7 days - Level 2 · Grievance Redressal Officer
grievance@smartcredit-ai.example · 15 days - Level 3 · RBI Integrated Ombudsman
If unresolved in 30 days, complain at cms.rbi.org.in
My tickets
No grievances raised yet.