190M+ Indians are invisible to CIBIL. ScoreIQ uses rent, bills, and UPI behavior to reveal your true creditworthiness.
190M+
Thin-file Indians
300–850
Full score range
12+
Alt data signals
Try a demo persona
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Ramesh, 29
Swiggy delivery partner. No CIBIL history — pays rent on time for 3 years.
CIBIL: No score
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Priya, 24
Recent grad, first job. 8 months salary, consistent UPI, zero debt.
CIBIL: 580
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Arjun, 35
Senior engineer, ₹1.8L/month. Two closed loans, perfect repayment.
CIBIL: 780
Tell us about yourself
All fields are encrypted. We assess behavior, not just history.
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Setu Account Aggregator — after submitting, we'll request your bank data via the RBI-licensed AA framework. You approve it directly in your bank app. We never see your password.
Personal
Income & expenses
Credit history
Liabilities
Declaring your outstanding loans gives Gemini AI a complete picture of your debt burden.
Total liabilities: ₹0
· DTI ratio: —
Assets — optional, improves accuracy
The model scores each asset by appreciation weight and penalises heavily-mortgaged holdings. Real estate & FDs score highest; vehicles lowest.
Total declared value: ₹0
Bank statement (optional but recommended)
Upload your last 12-month bank statement PDF for a more accurate score. Download from your bank's net banking or mobile app.
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Click to upload PDF · Max 10MB
HDFC · SBI · ICICI · Axis · Kotak · Yes Bank
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Bank data request
ScoreIQ will request read-only access to your bank data via Setu Account Aggregator — RBI-licensed, consent-first.