Gravity AI

What Gravity AI does

Gravity AI (legal entity: Gravity Artificial Intelligence Technology Pvt. Ltd.) is a privately held, founder-owned applied AI research and engineering company founded in 2019 and headquartered in Coimbatore, Tamil Nadu, India, with an 11-person team. The company builds production AI across three verticalised product lines: FuturX, a self-serve higher-education pathfinding product that ranks US college and graduate-program shortlists on admissions outcomes rather than commissions and serves 11,000+ candidates and 3,000+ students; Loanzy, an API-first alternative-credit underwriting engine that scores the 190 million Indian adults without a traditional bureau file using consented, non-PII signals and is currently in pilot with an education-loan partner; and Signly, an enterprise document AI product in closed beta offering context-aware drafting, auto-fill, and routed signing natively integrated with India Stack rails (Aadhaar e-Sign, DigiLocker, DSC, Account Aggregator).

Underlying technology spans custom model training (classical ML, deep learning, and hybrids), document AI (extraction, classification, reasoning, generation over messy scanned inputs), LLM and SLM fine-tuning across 3B–70B parameters, agentic systems with tool-use audits, and MLOps with continuous evaluation and drift detection. Deployments are flexible — managed cloud, VPC, on-prem, or hybrid containers — and Loanzy specifically recalibrates quarterly against each lender's own book, with explainable reason codes and confidence bands designed for credit-committee and regulatory review.

Revenue is generated through four streams: FuturX student subscriptions (free Trial, paid Applicant, and pay-as-you-go Review tiers billed monthly); Loanzy managed API or on-prem subscriptions tied to calibration and monitoring services; Signly enterprise API licensing (per-seat or per-transaction); and Forward Deployed Engineering (FDE) services — embedded multi-week engineering engagements sold via founder-led first calls with knowledge transfer baked into every contract. Go-to-market is hybrid: PLG for FuturX, enterprise sales-led with structured pilot engagements for Loanzy and Signly, and managed-services sales for FDE, which has already shipped in UAE, Singapore, and the UK alongside its India-primary product footprint. Gravity is self-described as 'funded by trust' with no advertising and no outsourcing, and holds authorized sandbox partnerships with ABDM, API Setu, and DigiLocker alongside RBI Innovation Hub (FinIgnite 1.0) and IIIT-B ATOM cohort affiliations.

Name

Gravity AI

Legal name

Gravity Artificial Intelligence Technology Pvt. Ltd.

Website

https://thegravity.ai

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Gravity AI is a Coimbatore-based applied AI company operating three products — FuturX (US college matching), Loanzy (alternative credit underwriting for 190M unscored Indians), and Signly (document AI with India Stack integration) — plus Forward Deployed Engineering services, serving students, lenders, and enterprises across India, UAE, Singapore, and the UK.

Ownership category

akta.pro rank

Product category

Applied AI Software

NAICS

Custom Computer Programming Services (541511), Software Publishers (5132)

SIC

Services-Computer Programming Services (7371), Services-Prepackaged Software (7372)

akta.pro primary industry

AI Application Enablement Platforms (Copilot/Agent Frameworks, SDKs) (HDAEANAJ)

akta.pro secondary industries

Model Deployment, Serving & Inference Platforms (HDAAABAF), Model Development & Training Platforms (AutoML, Notebooks, Feature Stores) (HDAEANAB)

Keywords

• Alternative credit scoring
• Document AI automation
• AI college matching
• Applied AI research
• LLM fine-tuning services

Headquarters

HQ city

Coimbatore

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. FuturX Student Subscriptions: Revenue from student subscriptions on futurx.app. Three tiers: Trial (free), Applicant (paid plans), Review (counsellor review add-on). No university commissions or placement fees. Also earns from application fee waiver prompts where eligible.
2. Loanzy API / Managed Services: Loanzy is priced as a managed API or on-prem container with calibration, monitoring, and quarterly review services. Revenue is subscription/usage-based depending on deployment mode (cloud managed vs. on-prem).
3. Signly Enterprise API Licenses: Closed-beta enterprise API product. API licensing for document drafting, signing, and audit — deployed per-seat or per-transaction depending on enterprise agreement.
4. Forward Deployed Engineering Services: Embedded engineering engagements from 6 weeks (Discovery) to multi-month builds. Outcome-led engagements. Engineers remain on Gravity's payroll. Knowledge transfer included in every contract.

Pricing tiers

Go-to-market motion5 records

Distribution channels4 records

Marketing channels5 records

Core offering

Gravity AI builds and ships three applied-AI products — FuturX (AI-powered US college and graduate-program matching for students), Loanzy (alternative credit underwriting APIs for lenders and NBFCs serving unscored Indian borrowers), and Signly (enterprise document AI for context-aware drafting, auto-fill, and India-Stack-integrated signing) — alongside Forward Deployed Engineering services that embed Gravity's researchers and engineers into client teams to deliver custom model training, document AI, LLM/SLM fine-tuning, agentic systems, and MLOps. All three products are deployed as API-first software (REST or batch SDKs) with managed cloud, VPC, on-prem, or hybrid options.

Product overview

Gravity AI is an applied AI research and engineering company founded in 2019 in Coimbatore, India, operating three core products in market (FuturX, Loanzy, Signly) alongside Forward Deployed Engineering services. FuturX is an edtech product for higher-education pathfinding offering AI-assisted US college and graduate admissions matching; Loanzy is a credit access product providing alternative credit underwriting for the 190 million Indians with no formal credit history; Signly is an enterprise document AI product enabling context-aware drafting, auto-fill, and secure signing via API. The three products each address structural inequities in education, credit, and document workflows, while the Forward Deployed Engineering service provides embedded AI engineering engagements for clients needing custom solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• FuturX Higher-education pathfinding product providing personalised best-fit US college and graduate-program matching for Class 11–12 students, undergrad, and grad applicants. Ranks shortlists on a decade of admissions outcomes (not university commissions) and includes scholarship discovery, application fast-track, fee-waiver prompts, and an expert counsellor review add-on.
• Loanzy Alternative credit underwriting engine for lenders, NBFCs, and cooperatives serving borrowers with no traditional bureau file. Scores using non-PII alternative signals (education trajectory, household economics, repayment behaviour, geography, cohort) and returns score, confidence band, and reason codes. Includes behavioural portfolio monitoring with early delinquency warnings two billing cycles in advance. Deployed as managed API, VPC, on-prem, or hybrid container.
• Signly Enterprise document AI offering context-aware drafting, auto-fill from systems of record, clause flags, redline summaries, and routed signing (Aadhaar e-Sign, DSC, OTP, drawn signatures, self-hosted PKI) with a tamper-evident cryptographic audit trail. India Stack rails (DigiLocker, Aadhaar e-Sign, DSC, Account Aggregator) integrated from day one. Sold as enterprise API licensing per-seat or per-transaction.
• Forward Deployed Engineering

Quantifiable outcome

• 15% scholarship hit-rate for FuturX shortlist applicants; 62% of FuturX shortlist applicants secure at least one scholarship offer (two different cohort figures on same page)
• +6 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability15 records

Feature5 records

Partnerships

13 partnerships are on record, tiered core and minor.

• Reserve Bank Innovation Hub (RBIH)coreStrategic or Co-development Partner · 1 January 2025RBIH selected Gravity AI for FinIgnite 1.0 cohort 2025, focused on financial inclusion through alternative credit scoring. RBIH is the innovation arm of the Reserve Bank of India — the country's central bank — making this a high-signal regulatory and strategic relationship.
• IIIT Bangalore (ATOM Incubator)coreStrategic or Co-development Partner · 1 January 2025Gravity AI was admitted to the ATOM FinTech PreIncubation programme at IIIT Bangalore in 2025. The programme supports early-stage fintech startups with mentorship, infrastructure, and network access from a premier Indian technical institution.
• Ayushman Bharat Digital Mission (ABDM)coreTechnology or Integration · 1 January 2025Gravity AI is an authorised sandbox partner of ABDM, India's national digital health mission. The sandbox integration enables Gravity to build and test solutions interoperating with ABDM's health data layers.
• API Setu (MeitY)coreTechnology or Integration · 1 January 2025Gravity AI is an authorised sandbox partner of API Setu, the Open API Platform of the Ministry of Electronics & Information Technology (MeitY), Government of India. API Setu provides APIs for accessing government data and services.
• DigiLocker (MeitY)coreTechnology or Integration · 1 January 2025Gravity AI is an authorised sandbox partner of DigiLocker, MeitY's national digital document wallet platform. Signly integrates with DigiLocker as part of its India Stack rails.
• NVIDIA Inception ProgramminorGTM or Marketing Partner · 1 January 2025Member of NVIDIA Inception, a program for cutting-edge AI startups providing access to NVIDIA technology, expertise, and marketing support.
• AMD Engage ProgramminorGTM or Marketing Partner · 1 January 2025Member of AMD Engage program, providing access to AMD technology resources and community for AI startups.
• Google for StartupsminorGTM or Marketing Partner · 1 January 2025Member of Google for Startups program, providing cloud credits, mentorship, and ecosystem support.
• AWS ActivateminorGTM or Marketing Partner · 1 January 2025Member of AWS Activate, providing cloud infrastructure credits and support for startups.
• ElevenLabsminorGTM or Marketing Partner · 1 January 2025Gravity AI received grants from ElevenLabs as part of their startup grants programme.
• MongoDB For StartupsminorGTM or Marketing Partner · 1 January 2025Member of MongoDB For Startups program, providing database tools and infrastructure support for early-stage companies.
• APIS (Andhra Pradesh Innovation Society)coreStrategic or Co-development Partner · 27 December 2022Gravity AI won the FinTech Innovation Challenge organised by APIS (Govt. of Andhra Pradesh), co-sponsored by STPI and APCFSS. Award received from the Minister of ITE&C. Recognised for solving the Government's challenge using digital signature technology — the same domain as Signly.
• FinBlue · STPI ChennaiminorStrategic or Co-development Partner · 1 January 2022Co-sponsor of the FinTech Innovation Challenge Gravity AI won in 2022. FinBlue and STPI Chennai are co-sponsors of the fintech innovation ecosystem in India.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Zest AI: Established US-based AI credit underwriting platform serving banks and credit unions. Comparable to Loanzy in model category (alternative-data ML scoring) though serving larger US incumbents; illustrates the credible end-state for an India-focused alternative credit startup.
• DocuSign: Global leader in e-signature and intelligent agreement management. Represents the dominant incumbent in Signly's category; competing against Signly primarily in India and regulated enterprise.
• Naviance: PowerSchool-owned college and career readiness platform widely deployed in US high schools. Comparable to FuturX as a college-matching tool, though distributed via schools rather than direct-to-consumer.

Regional players

• Observe.AI: India-founded AI platform that scaled enterprise voice/conversation AI globally. Comparable trajectory to a potential Gravity outcome — India-rooted applied AI startup that leveraged deep technical capability into enterprise contracts.

Direct peers

• Crimson Education: Global college admissions consultancy with AI-augmented matching and counsellor services for US/UK admissions. Comparable to FuturX on buyer (high-school and undergraduate applicants) and outcome (best-fit college matching), though with a higher-touch, paid-counsellor model.
• Riskcovue: AI-based credit decisioning platform focused on emerging markets, including India. Comparable to Loanzy as a provider of alternative-data underwriting APIs to lenders, with overlapping regulatory positioning.
• CreditMantri: India-based alternative credit and credit-improvement platform serving unscored borrowers. Directly comparable to Loanzy in product category (alternative credit for thin-file Indians) and target buyer (NBFCs and lenders), though CreditMantri has a larger retail consumer base.
• CollegeVine: US college admissions platform with AI-driven matching and counsellor network. Comparable to FuturX as a direct US-college-matching consumer product serving students and families.
• Leegality: India-based digital signature and document execution platform with native Aadhaar e-Sign, DSC, and India Stack integrations. Closest direct competitor to Signly — same regulatory rails, same enterprise BFSI buyer.

Others

• Palantir Technologies: Pioneered the Forward Deployed Engineering model — embedded senior engineers delivering bespoke enterprise AI/data systems. Comparable to Gravity's FDE service capability in delivery model and customer economics, though at vastly larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/thegravityai
• Facebookfacebook.com/100084118453343
• LinkedInlinkedin.com/company/thegravityai

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Gravity AI