Built for every Indian
who was left out.
Most fintech apps are built for people who already understand finance. We built ScoreUp for everyone else — and there are a lot of us.
We believe financial clarity is a right, not a privilege.
India has over 500 million people who need credit — home loans, personal loans, car loans. Most of them walk into a bank not knowing their credit score, what rate they deserve, or whether they can settle an old loan cheaper.
ScoreUp was built to fix that information gap. We pull your full credit picture, explain it in plain language, match you with the best loan rates live, and tell you exactly how to improve your score — not in vague terms, but with precise, step-by-step actions.
We launched in 2024 from Bangalore, and in our first year helped over 2.4 million Indians understand their credit, improve their scores, and find loans they could actually afford.
What we stand for
Six principles that shape every product decision we make.
Radical Transparency
We show you exactly what we're doing with your money and data. No dark patterns, no hidden upsells, no fine print that matters.
For Real India
Not the VC-funded India or the MBA India. The salaried teacher in Patna, the freelance designer in Kochi, the shopkeeper in Surat.
Speed as Respect
Your time is valuable. If ScoreUp can't show you a loan offer comparison in under 2 minutes, we consider that a bug.
Honest Intelligence
Our AI tells you hard truths. You spend too much on dining. Your insurance is overpriced. We'd rather be useful than liked.
Security First
Bank-grade encryption, read-only account access, zero credential storage. We treat your financial data like it's our own.
Long Game
We're not optimizing for next quarter. We're building the financial OS for India's next 300 million middle class.
Meet the builder behind ScoreUp.
Utkarsh Singh
I'm the engineer behind ScoreUp. Working at the intersection of technology and finance, I architect the engineering backbone and AI agents that reason over your credit data — turning financial complexity into clear, personalised insights that real people can actually act on.
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