API Built for India

RBI FREE-AI Compliant Underwriting Engine.

Turn raw Account Aggregator data into CIBIL-grade scores with mathematically proven SHAP explainability. Stay ahead of RBI's FREE-AI mandates with instant, audit-ready decision trails.

Request API Key See Live Demo
51,336 Real CIBIL profiles trained on
0.89 AUC On holdout test set
< 2 sec API response time
57/57 Edge case tests passing

160 million Indians are credit-eligible but bureau-invisible

CIBIL returns blank

Traditional bureaus can't score borrowers without formal credit history.

Reject = Lost revenue

NBFCs turn away creditworthy applicants they can't assess.

Approve blind = NPAs

Approving without data creates non-performing assets.

One API call. Three outputs.

1
Borrower consents via Account Aggregator
2
CreditSense ingests bank transaction data
3
ML pipeline extracts 20 behavioral features
4
Returns score + reasoning + RBI-Ready Audit Report

300–900 Credit Score

Calibrated against 51,000+ real Indian CIBIL profiles.

Plain-English Reasoning

SHAP-based top 3 factors, readable by credit officers and auditors.

PDF Audit Trail

Deterministic paper trail: raw data → features → model → score. RBI-ready.

Transparent, Prepaid Pricing

Pilot

Free
200 Credits

₹0/score

Starter

₹35,000
500 Credits

₹70/score

Best Value

Growth

₹60,000
1,000 Credits

₹60/score

Scale

₹2,50,000
5,000 Credits

₹50/score

Restricted to clients with 90+ days history.

Test CreditSense on your portfolio

First 200 scores free. No platform fee. No contract. You share anonymised loan outcomes at 60 days — we sharpen the model for your borrower mix.

Discuss a Pilot

See It In Action

Validation materials for technical and risk teams.

Demo Walkthrough

90-second Loom showing a live thin-file profile being scored in real-time.

Watch Video

Sample Audit Report

A complete PDF audit trail showing raw data ingestion, feature extraction, and reasoning.

View PDF

Pilot Brief

One-pager overview of our API endpoints, compliance standards, and pilot requirements.

View PDF