Democratizing Credit in India
Built by a team of finance experts and technologists committed to changing how India borrows.
Who we are
Aapka Credit, powered by Prism Cosmic Private Limited, was founded with a simple yet ambitious goal: to bridge the credit gap in India. We noticed that traditional banks often left out millions of deserving individuals and small businesses due to rigid underwriting processes.
By leveraging cutting-edge technology, alternative data sources, and deep financial expertise, we've built a platform that instantly connects borrowers with the right lending partners, ensuring the lowest interest rates and highest approval chances.
Founded
2023
Registered
India
Type
FinTech / NBFC
Applications Processed
50+Lending Partners
Our Core Values
Mission-Driven
We are on a mission to make credit accessible to the next billion Indians using alternative data and AI.
Transparency First
No hidden fees, no confusing jargon. We believe in complete transparency in all our financial products.
Customer Centric
Every product and feature we build starts with the customer's needs and pain points.
Empathy
We understand that borrowing is an emotional journey. We treat every customer with respect and empathy.