Our Story

Mission

Be India’s first credit scoring company that includes, empowers and transforms every individuals’ life by providing easy access to credit in a transparent manner.

Vision

By 2022 bring 10 million people under the formal credit umbrella through the MyShubhLife credit score that is accepted by all Indian lenders.

Overview

MyShubhLife is India’s next-gen digital lending and savings platform.

MyShubhLife has developed unique data science models to democratize credit for millions of borrowers. Our loan customers are drawn from the ‘Next Billion’ segment, who are not yet part of the formal credit system. This segment comprises households with an annual income between INR 1.4 Lacs to 4.5 Lacs and forms 45% of the society but has access to only 8% of the formal credit.

Real-time analytics and credit reports based on alternative data enable us to reach unserved and underserved market segments. MyShubhLife aims to make fair and transparent credit available to people to provide meaningful financial inclusion.

MyShubhLife has further strengthened its financial inclusion goal through its financial wellness program, for corporates and individuals. We have now expanded our portfolio to include mini and micro loans, insurance, mutual fund SIPS, Tax filing service and a feature rich savings Accounts. Now customers can approach us for all their financial needs to secure their financial future.

Our Team

Founders

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Monish Anand

CEO & Founder, Ashoka Fellow

CEO is often a Chief Everything Officer, I see my role to lead, learn, aspire and energize.

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Rahul Sekar

CTO & Co-Founder

I am leading the next generation tech platform to bring responsible credit to the masses by enabling the team at MyShubhLife to execute their innovative ideas.