Team StartupCity

• Bengaluru based fintech GoodScore has raised $13 million in Series A funding.
• The startup offers AI powered tools to help users track, understand, and improve their credit scores.
• The funds will support product expansion, team growth, and a credit marketplace launch.

Bengaluru fintech startup GoodScore has secured $13 million in Series A funding to expand its AI driven platform that helps users take control of their credit health. The round was led by Peak XV Partners, with continued support from Stellaris Venture Partners and Saison Capital.

Founded in 2023 by Sanchit Bansal, GoodScore uses artificial intelligence to offer real-time credit insights, repayment tracking, and tailored financial advice. The goal is simple, to make credit management easy, transparent, and stress-free for millions of Indians.

With digital lending booming in India, delinquencies are also on the rise. As of March 2025, personal loans overdue for 90+ days hit 3.6%, and credit card dues overdue for 91-360 days surged by 44% year-on-year. GoodScore steps in as a timely solution, giving users a clear view of their credit life, helping them avoid late payments and build better credit habits.

Bansal, Founder of GoodScore, said, “Managing credit shouldn’t be confusing”. He added, “GoodScore brings everything into one place, credit score tracking, payment reminders, and actionable advice, so users can make smarter financial choices.”

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Ishaan Mittal,MD at Peak XV’s  added, “India has over 250 million active borrowers. GoodScore puts them in control of their credit health with tools to monitor scores, resolve disputes, and manage payments effectively”.

GoodScore plans to use the new funds to grow its product and technology teams, expand AI features, and build a credit marketplace connecting borrowers with lenders across India.