Fintech startup GoodScore has raised $13 million in a funding round led by Peak XV Partners, with participation from Stellaris Venture Partners and Saison Capital.
Founded in 2023 by Sanchit Bansal, the Bengaluru-based startup helps users monitor and improve their credit scores through personalised, artificial intelligence (AI)-driven insights and repayment tracking tools.
The company said it plans to use the fresh funds to strengthen its AI-led advisory offerings, expand its technology, product and operations teams, and enhance its credit marketplace, which connects borrowers and lenders.
GoodScore noted that India’s booming fintech ecosystem has made access to credit easier but has also led to increasing over-leverage and repayment stress. Fintech lenders now account for nearly three-fourths of personal loans by count.
As of March 2025, personal loans overdue by more than 90 days had touched 3.6%, while credit card payments overdue for 91–360 days had shot up 44% year-on-year to nearly Rs 34,000 crore, it said, noting this spike can be linked to borrowers holding three or more unsecured loans simultaneously.
To rein in unsecured lending, the Reserve Bank of India has tightened rules for the sector, including having higher risk weights, stricter credit standards, and tougher regulations for companies such as Buy Now, Pay Later (BNPL) operators.
To address this, GoodScore provides users with a single interface to track their credit scores, manage repayments, and access educational tools for responsible borrowing. The platform aggregates credit bureau data and transaction insights to offer real-time visibility into users’ credit obligations.
“We started GoodScore with the belief that managing credit shouldn’t be as stressful or confusing as it is today,” said Bansal. “We wish to change how Indians interact with credit by bringing every user’s credit life into one view, helping them understand their loans, track payments and make informed, data-driven financial decisions.”
GoodScore claims to have scaled to millions of users across India, with strong adoption in Tier II and Tier III cities. It has partnered with various financial institutions, including HDFC Bank, KreditBee, and Tata Capital.
“India has an active borrower base of over 250 million consumers. GoodScore is on a mission to empower them by putting them in charge of their credit health. They can track scores, take actionable steps to resolve bureau disputes and manage repayments seamlessly,” said Peak XV Partners managing director Ishaan Mittal.
Peak XV Partners is also an investor in OneCard, which runs OneScore, an app that tracks credit scores, provides credit report insights, and offers instant personal loans.
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Founded in 2023 by Sanchit Bansal, the Bengaluru-based startup helps users monitor and improve their credit scores through personalised, artificial intelligence (AI)-driven insights and repayment tracking tools.
The company said it plans to use the fresh funds to strengthen its AI-led advisory offerings, expand its technology, product and operations teams, and enhance its credit marketplace, which connects borrowers and lenders.
GoodScore noted that India’s booming fintech ecosystem has made access to credit easier but has also led to increasing over-leverage and repayment stress. Fintech lenders now account for nearly three-fourths of personal loans by count.
As of March 2025, personal loans overdue by more than 90 days had touched 3.6%, while credit card payments overdue for 91–360 days had shot up 44% year-on-year to nearly Rs 34,000 crore, it said, noting this spike can be linked to borrowers holding three or more unsecured loans simultaneously.
To rein in unsecured lending, the Reserve Bank of India has tightened rules for the sector, including having higher risk weights, stricter credit standards, and tougher regulations for companies such as Buy Now, Pay Later (BNPL) operators.
To address this, GoodScore provides users with a single interface to track their credit scores, manage repayments, and access educational tools for responsible borrowing. The platform aggregates credit bureau data and transaction insights to offer real-time visibility into users’ credit obligations.
“We started GoodScore with the belief that managing credit shouldn’t be as stressful or confusing as it is today,” said Bansal. “We wish to change how Indians interact with credit by bringing every user’s credit life into one view, helping them understand their loans, track payments and make informed, data-driven financial decisions.”
GoodScore claims to have scaled to millions of users across India, with strong adoption in Tier II and Tier III cities. It has partnered with various financial institutions, including HDFC Bank, KreditBee, and Tata Capital.
“India has an active borrower base of over 250 million consumers. GoodScore is on a mission to empower them by putting them in charge of their credit health. They can track scores, take actionable steps to resolve bureau disputes and manage repayments seamlessly,” said Peak XV Partners managing director Ishaan Mittal.
Peak XV Partners is also an investor in OneCard, which runs OneScore, an app that tracks credit scores, provides credit report insights, and offers instant personal loans.
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