What ScoreMe Solution Pvt. Ltd does

ScoreMe Solution Pvt. Ltd is an India-based B2B SaaS fintech, founded in 2017 and headquartered in Gurugram, that builds an AI-powered digital lending platform for financial institutions. The company sells a modular platform consisting of a core Digital Lending Platform (DLP) that orchestrates automated onboarding, loan origination, and real-time credit decisioning, complemented by eight specialized analyzer modules: Bank Statement Analyzer (transaction classification across 60+ categories and 240+ analytical parameters, layout-agnostic across 1,600+ bank templates), GSTR Analyzer, ITR & 26AS Analyzer, Financial Statement Analyzer, Legal Data Analyzer (NLP-based, processing 10L+ documents with 99% accuracy), KYC & Compliance, Bureau Data Analyzer, and an Integrated Analysis Solution that consolidates these into a 360-degree borrower profile.

The underlying technology stack combines proprietary machine-learning models for NLP, computer vision/OCR, predictive analytics, anomaly detection, and a newer generative-AI document-fraud detection layer. Architecture is API-first, cloud-native, with both cloud and on-premise deployment options to accommodate bank IT and regulatory requirements. Distribution is exclusively direct enterprise sales to banks, NBFCs, insurance carriers, and select conglomerates — the company reports 200+ financial institution customers including SBI, PNB, Canara, Kotak, SIDBI, Tata Capital, Muthoot Fincorp, and New India Assurance. The company maintains six offices across India (Gurugram, Mumbai, Bengaluru, Kolkata, Jaipur, Hyderabad).

The revenue model is subscription-based enterprise SaaS licensing, with pricing not publicly disclosed and contracts negotiated via demo-led consultative sales. No external funding rounds are disclosed in the available data, suggesting bootstrapped or privately funded growth. The company has stated platform-throughput metrics of ₹30L+ Cr in AUM processed and ₹500+ Cr in transactions, indicating meaningful operational scale across its installed base. Leadership is led by founder-CEO Ayush Jindal and CTO Rohit Kohli; ownership and board composition are not publicly disclosed.

Name

ScoreMe Solution Pvt. Ltd

Legal name

ScoreMe Solutions Private Limited

Website

https://scoreme.in

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

ScoreMe Solution Pvt. Ltd is an India-based B2B SaaS fintech founded in 2017 that sells an AI-powered modular digital lending platform — including bank statement, GST, ITR, legal, KYC, and bureau analyzers — to 200+ banks, NBFCs, insurers, and DFIs for automated credit underwriting and onboarding.

Ownership category

akta.pro rank

Product category

Digital Lending & Credit Analytics Software

NAICS

Software Publishers (513210), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Underwriting Automation & Income/Employment Verification (FSAGAHAD)

akta.pro secondary industries

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Credit Scoring Models & Score Providers (FSAKAKAC), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)

Keywords

• Digital lending platform
• Credit risk analytics
• Bank statement analysis
• AI-driven underwriting
• Loan origination software

Headquarters

HQ city

Gurugram

HQ country

India

HQ region

Asia

Offices7 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Licensing: ScoreMe operates as a B2B SaaS company providing AI-powered lending and risk management solutions to financial institutions. The platform is offered as a subscription-based service with modular components that can be licensed separately (Bank Statement Analyzer, GSTR Analyzer, etc.). Cloud and on-premise deployment options are available, suggesting enterprise licensing arrangements with banks and NBFCs.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

ScoreMe sells an AI-powered modular digital lending and credit analytics SaaS platform to banks, NBFCs, and other financial institutions in India. The platform automates borrower onboarding, KYC, document analysis (bank statements, GST, ITR, financial statements, legal records, bureau data), and real-time credit decisioning for retail, MSME, and agricultural lending. Solutions are delivered via API-first architecture with both cloud and on-premise deployment.

Product overview

ScoreMe Solutions offers a modular, AI-powered digital lending platform ecosystem consisting of a core Digital Lending Platform (DLP) that orchestrates automated onboarding, loan origination, and real-time AI-powered decisioning. The platform is complemented by eight specialized analyzer modules: Bank Statement Analyzer (transaction classification across 60+ categories), Financial Statement Analyzer (corporate financial evaluation), GSTR Analyzer (GST data consolidation and risk categorization), Integrated Analysis Solution (360-degree borrower profiling), ITR & 26AS Analyzer (tax data analysis), KYC & Compliance (identity verification and regulatory checks), Legal Data Analyzer (NLP-powered legal document processing), and Bureau Data Analyzer (credit bureau data extraction). The platform supports both cloud and on-premise deployment with API-first architecture for seamless integration with existing banking systems.

Differentiator

Problem solved

Functional benefit

Products and services

• Digital Lending Platform (DLP) End-to-end digital lending platform for banks, NBFCs, and financial institutions that orchestrates automated borrower onboarding, loan origination, and real-time AI-powered decisioning across retail, MSME, and agri lending journeys. Supports cloud and on-premise deployment.
• Bank Statement Analyzer AI-driven bank statement analysis tool that categorizes transactions across 60+ classifications, evaluates 240+ analytical parameters, identifies 92 cheque-return reasons, and parses 1,600+ bank statement templates in a layout-agnostic way for lenders' credit assessment.
• Financial Statement Analyzer AI-powered analyzer that evaluates corporate financial statements, including those of unlisted firms, providing detailed financial summaries, director profiles, and compliance checks to support secured lending decisions for high-ticket MSME customers.
• GSTR Analyzer Automated GST filing analysis tool that consolidates data across all GSTINs linked to a single PAN, generates PAN-level GST reports, and intelligently classifies borrowers into High, Medium, or Low risk tiers with red flag and early warning detection.
• Integrated Analysis Solution Comprehensive solution that consolidates internal, public, and bureau data to deliver a 360-degree view of borrower profiles, combining financial, transactional, and compliance data for sharper risk evaluation.
• ITR & 26AS Analyzer Multi-year tax insights analyzer that pulls and analyzes income tax data through APIs from ITR filings and Form 26AS to assess borrower reliability and repayment capacity.
• KYC & Compliance AI-driven paperless solution for identity authentication, KYC, and compliance checks featuring biometric verification, OCR document extraction, and real-time screening against global PEP and sanctions lists.
• Legal Data Analyzer AI and ML-powered legal document analysis tool that uses NLP to automate contract review and compliance document processing, extracts key details such as parties, dates, and obligations, and generates instant summaries, processing 10L+ legal documents with 99% data extraction accuracy.
• Bureau Data Analyzer AI-powered credit bureau data analyzer that processes reports from CIBIL, Experian, and Equifax, extracts and summarizes critical information for accurate risk evaluation, and generates instant Credit Appraisal Memos (CAM) for faster credit decisions.

Quantifiable outcome

• Loan origination cost reduction of up to 40%
• +5 more outcomes

Named customers28 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability9 records

Feature9 records

Partnerships

One partnership is on record.

• Financial Express (Futech)minorGTM or Marketing Partner · 13 March 2026Rohit Kohli, CTO of ScoreMe Solutions, contributed an article titled 'The Invisible War on MSME Lending Fraud — Fought at the Pixel Level' to Financial Express's Futech platform, discussing advanced forensic techniques for combating document fraud in MSME lending.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Perfios: Indian fintech providing AI-powered bank statement analysis, credit decisioning, and financial document automation to banks, NBFCs, and insurers. Closely matches ScoreMe's core Bank Statement Analyzer value proposition and target buyer segment.
• IDfy (formerly Karza): Mumbai-based identity verification, KYC, and background check platform serving banks, NBFCs, and fintechs. Overlaps directly with ScoreMe's KYC & Compliance module and shared banking/NBFC customer base.
• Signzy: Bengaluru-based digital onboarding and video KYC platform with AI-driven identity verification for financial institutions. Direct overlap on KYC, onboarding, and compliance workflows sold to Indian banks and lenders.
• FinBox: Digital lending infrastructure provider offering APIs for credit decisioning, underwriting, and loan management to banks and NBFCs. Comparable API-first, modular lending-stack approach targeting similar FI customers.
• Bureau.id: Identity and fraud risk decisioning platform combining device intelligence, behavioral analytics, and alternative data for digital lenders. Competes in fraud detection and risk scoring — overlapping with ScoreMe's anomaly detection and Bureau Data Analyzer capabilities.
• Setu: India-focused API infrastructure provider for financial services covering AA, KYC, payments, and lending workflows. Direct competitor in API-first integration services sold to banks and fintechs.
• CreditMantri: Credit health and underwriting platform serving consumers, lenders, and insurers with analytics and decisioning tools. Comparable credit analytics and lender-facing underwriting orientation.
• Lendingkart: Indian MSME lending platform using data analytics and automated underwriting for small business credit. Overlaps with ScoreMe's MSME Lending segment and similar end-customer lender focus.

Broad incumbents

• CRIF High Mark: Indian credit bureau offering credit reports, scores, and analytics to banks and NBFCs. Provides bureau data that ScoreMe's Bureau Data Analyzer consumes, while also competing in credit information and decisioning.
• CIBIL (TransUnion CIBIL): India's largest consumer credit bureau. While not a direct SaaS competitor, CIBIL's bureau data is core to ScoreMe's Bureau Data Analyzer, and TransUnion's analytics products broadly compete in credit decisioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/ScoremeSolution
• Facebookfacebook.com/scoreme.in

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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 ScoreMe Solution Pvt. Ltd