GoodScore, an AI-driven fintech platform focused on credit management, has raised $13 million in Series A funding, led by Peak XV Partners, with participation from existing investors Stellaris Venture Partners and Saison Capital.
Founded in 2023 by Sanchit Bansal, GoodScore helps users monitor and improve their credit health through personalised, AI-based insights and expert recommendations. Since its launch, the Bengaluru-based startup has grown rapidly to serve millions of users across India, with strong adoption in Tier-2 and Tier-3 cities.
The fresh capital will be used to expand its AI-led advisory services, scale its technology and operations teams, and enhance its credit marketplace, connecting borrowers and lenders nationwide. “Our goal is to make responsible credit management a mainstream habit for millions of Indians,” said Sanchit Bansal, founder of GoodScore.
India’s growing fintech ecosystem has made credit more accessible but also led to rising over-leverage and repayment stress. Recent data shows that as of March 2025, personal loans overdue by more than 90 days reached 3.6%, while credit card delinquencies surged 44% year-on-year to nearly ₹34,000 crore. These trends highlight the need for tools that encourage financial discipline and visibility.
GoodScore’s platform combines credit bureau data, transactional insights, and behavioural analytics to offer users real-time credit tracking, score improvement advice, and repayment monitoring—all within a single dashboard.
“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,” said Ishaan Mittal, Managing Director at Peak XV Partners.
Mayank Jain, Principal at Stellaris Venture Partners, added that GoodScore’s rapid traction reflects India’s growing focus on financial health, a shift accelerated by the post-pandemic credit environment.
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