CreditVidya

What CreditVidya does

CreditVidya (legally Infocredit Services Private Limited) is an India-based B2B fintech that provides AI and big-data credit underwriting infrastructure for lenders seeking to serve first-time borrowers who lack traditional bureau credit history. The company's platform processes over 10,000 alternative data points per applicant — including SMS transactions, device metadata, location, contacts, and installed apps — via deep learning algorithms, and delivers credit decisions in under one minute through an Android SDK embedded directly inside lender mobile applications. Its product portfolio spans the core CreditVidya SDK, the EVE automated employment verification product (used by Bajaj Finserv to expedite approval for 38% of customers), and the Prefr consumer-facing loan facilitation app. The company serves more than 25 leading financial institutions including RBL Bank, PNB Housing Finance, Bajaj Finserv, Aeon, SMFG India, and TVS Credit, and claims to have enabled credit access for 25 million-plus first-time borrowers.

CreditVidya operates a B2B enterprise SaaS revenue model with quote-based pricing, multi-year contracts, and a direct consultative sales motion ('Request a Demo') targeting banks, NBFCs, and housing finance companies. Its distribution is primarily OEM-style SDK integration into lender apps, supplemented by a direct enterprise field sales channel and a bureau-data-fetch agent arrangement with CIBIL and CRIF. The company is ISO 27001 certified (achieved November 2018), is a member of the Data Security Council of India (DSCI/NASSCOM), and has received industry recognition including Gartner Cool Vendor (2018), CBInsights Top 100 AI Startups (2016), and World Economic Forum Top 100 Fintech Firms (2017).

The company was founded in 2012-2013 by Abhishek Agarwal (former Head of Products and Data Strategy at Experian) and Rajiv Raj (former CIBIL team member involved in introducing bureau scoring to India), is headquartered in Hyderabad with a registered office in Mumbai, and operates with 251-500 employees. Per a 2026 founder-published article, CreditVidya was acquired by CRED, with the original founder exiting to build a separate venture. Prior to acquisition, the company had raised approximately $10.1M across rounds from 2014 to 2019, with Kalaari Capital (Z47) and Bharat Innovation Fund as disclosed investors.

Name

CreditVidya

Legal name

Infocredit Services Private Limited

Website

https://creditvidya.com

Company type

Private

Founded year

2013

Operating status

Acquired

Headcount range

251–500 employees

Short description

CreditVidya (Infocredit Services Pvt Ltd) provides AI and alternative-data credit underwriting infrastructure to 25+ Indian financial institutions, enabling them to assess and lend to first-time borrowers who lack traditional bureau credit history via an embedded Android SDK.

Ownership category

akta.pro rank

Product category

Alternative Credit Scoring and Underwriting Software

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Income, Employment & Cash-Flow Verification (Consumer) (FSAKAKAE)

akta.pro secondary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Alternative credit scoring
• Credit underwriting platform
• Employment verification
• Fintech data analytics
• Lending decisioning

Headquarters

HQ city

Mumbai

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. B2B SaaS / Platform Licensing: CreditVidya provides its AI-powered credit underwriting SDK and platform as a B2B service to financial institutions including banks, NBFCs, and digital lenders. Lenders integrate the SDK into their mobile applications to access real-time credit risk assessment for first-time borrowers. The platform serves as a technology and service provider facilitating the provision of loans through lending partners.
2. Credit Report Provision: CreditVidya fetches credit reports from bureaus such as CIBIL and CRIF as an agent on behalf of customers, after obtaining explicit consent and authorisation. The report is provided to the customer and is not shared with any third party.
3. Employment Verification Services (EVE): EVE product provides automated employment verification for salaried individuals, enabling lenders to instantly verify employment details and reduce turnaround time for credit assessments. This is offered as part of the broader credit underwriting platform to financial institution partners.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

CreditVidya provides a B2B AI-powered credit underwriting platform that enables banks, NBFCs, and lenders to assess first-time borrowers who lack traditional credit bureau history. Its Android SDK collects consent-driven alternative data (SMS transactions, device data, account info, location, contacts, app usage) and returns a credit decision in under a minute. The company also offers EVE, an automated employment verification product that verifies salaried employment details in under one minute to reduce fraud and turnaround time.

Product overview

CreditVidya is a B2B fintech company that powers lenders with AI and big data technology to underwrite first-time borrowers profitably. The company offers a unified platform consisting of the CreditVidya SDK (Android-based data collection kit), EVE (employment verification product), and Prefr (consumer-facing loan facilitation app). The products work together to enable consent-driven alternative data collection, instant credit decisioning in under 1 minute, and employment verification for lenders.

Differentiator

Problem solved

Functional benefit

Brands

• EVE: Employment verification product that helps lenders verify employment details in under 1 minute, automate employment verification, and improve customer experience without manual checks or office visits.

Products and services

• CreditVidya SDK Android Software Development Kit embedded in lender mobile applications that collects consent-driven alternative data (SMS transactions, device data, account information, location, contacts, apps installed, media metadata) and returns a real-time credit decision in under one minute. Designed for banks, NBFCs, housing finance companies, and digital lenders to underwrite first-time borrowers with thin or no credit bureau history.
• EVE (Employment Verification) AI-powered automated employment verification product that verifies salaried individuals' employment details in under one minute. Eliminates manual checks and office visits, decreases employment fraud, and improves customer experience by removing the need for multiple scheduling calls. Used by Bajaj Finserv to expedite approval for 38% of customers.
• Prefr Mobile application and consumer-facing platform operated by Infocredit Services Private Limited (same legal entity as CreditVidya) that facilitates provision of loans from lending partners to users, providing access to financial products including personal loans, credit cards, and insurance for underserved populations in India.

Named customers6 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• PNB Housing FinancecoreTechnology or Integration · 19 June 2018PNB Housing Finance partnered with CreditVidya to perform employment email verifications digitally for salaried individuals, providing a seamless consumer experience. This enabled faster and more efficient loan processing for housing finance applicants.
• RBL BankcoreTechnology or Integration · 13 March 2018RBL Bank partnered with CreditVidya to leverage its alternative data-based credit underwriting platform for better underwriting of salaried customers. The partnership enabled RBL Bank to instantly verify employment details of salaried individuals, reducing the turnaround time for credit assessments.
• Data Security Council of India (DSCI, NASSCOM)minorOthersCreditVidya is a member of the Data Security Council of India (DSCI), a body under NASSCOM, reflecting its commitment to data privacy and security standards in the Indian fintech industry.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• FinBox: Indian fintech offering digital lending and underwriting infrastructure for NBFCs and lenders, with alternative data-based credit decisioning capabilities. An emerging domestic peer in the same B2B lending enablement category.

Direct peers

• Perfios: Indian B2B fintech providing financial data aggregation, verification, and underwriting infrastructure to lenders. Directly comparable as a domestic alternative-data underwriting platform serving banks and NBFCs.
• Tala: US-headquartered fintech using alternative mobile data to underwrite credit for underbanked consumers in emerging markets, including India. A direct comparable in alternative data-based consumer credit scoring at scale.
• Zest AI: US-based AI credit underwriting software provider serving lenders with machine learning-based risk models. Comparable as an enterprise AI credit decisioning platform targeting lenders, though US-focused rather than India-focused.
• Signzy: Indian B2B fintech offering AI-driven digital onboarding, KYC, and credit underwriting infrastructure to financial institutions. Overlaps with CreditVidya in serving lenders with automated risk decisioning technology.
• LenddoEFL: Singapore-headquartered alternative credit scoring platform using non-traditional data (mobile, behavioral, psychometric) to underwrite thin-file borrowers in emerging markets — the closest direct functional peer to CreditVidya's AI alternative underwriting engine.

Broad incumbents

• CRED: Indian consumer fintech platform and acquirer of CreditVidya, with ambitions in credit products and lending. As the new parent company, CRED is now the strategic operator of the platform, though it competes broadly in the consumer credit ecosystem rather than directly as an underwriting platform.
• Experian: Global credit bureau and consumer credit reporting major with operations in India. Directly comparable as an alternative and traditional credit data provider to lenders, and CreditVidya's CEO Abhishek Agarwal was previously Head of Products and Data Strategy at Experian.
• CRIF High Mark: Italian-origin credit bureau operating in India, providing consumer and commercial credit reports. CreditVidya integrates CRIF bureau data as part of its underwriting workflow, making CRIF a data partner and adjacent incumbent in the same credit information value chain.
• CIBIL (TransUnion): India's dominant consumer credit bureau, operated by TransUnion. CreditVidya's co-founder Rajiv Raj was part of the team that introduced bureau scoring to India via CIBIL, and CreditVidya fetches CIBIL reports as part of its workflow, making it a foundational incumbent peer.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/creditvidya
• Facebookfacebook.com/creditvidya
• LinkedInlinkedin.com/company/creditvidya

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds5 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CreditVidya