Zavo debuts gamified credit app to boost financial inclusion in India

By Gloria Methri

Indian financial services platform Zavo has launched an app to help users develop credit habits through gamified tools, insights, and plans.

The company aims to improve the financial ecosystem by enhancing credit scores, facilitating loan settlements, and providing instant loans and credit cards through technology. Zavo motivates and educates individuals to build firm credit profiles for better loan access and personalised credit options.

Since its pilot launch in December, Zavo has achieved over 200,000 downloads across Android, iOS, and APK platforms, with over 80,000 monthly active users, indicating strong engagement and adoption.

It aims to target the 150 million credit-conscious individuals in India by offering instant loans, credit-building tools, and debt settlement solutions. Zavo simplifies financial education, empowering users to set credit goals, track progress, and earn rewards for reaching milestones.

The company was founded in 2024 with a goal to revolutionise credit management in India. Despite being a rapidly growing economy, only 10% of Indians have access to formal credit, leaving over 160 million people underserved due to inadequate credit history or low scores.

“The Indian credit landscape has long been riddled with inefficiencies, excluding millions from the financial mainstream. At Zavo, we are passionate about driving financial inclusion by enabling every Indian to access the benefits of formal credit. Our platform is designed to provide a guided and enjoyable experience that transforms the often-daunting task of credit improvement into a fun and motivating journey. We believe this will positively contribute to India’s evolving credit landscape,” said Kundan Shahi, Founder of Zavo.

Zavo aims to be the go-to platform for debt management. It leverages NPCI BBPS technology to simplify loan repayments, empower customers with negotiation tools, and promote financial well-being. This innovative approach marks a new chapter in India’s credit landscape, making credit management more accessible and inclusive for all.

By partnering with lenders and utilising data-driven strategies, Zavo unlocks better financial opportunities, enabling users to save more, borrow smarter, and achieve long-term financial success.

With over 100 million users actively monitoring their credit scores, the demand for structured credit-building solutions is higher than ever. Additionally, the instant loan segment, valued at ₹2.48 trillion, presents significant opportunities for responsible credit access. As financial literacy improves and digital credit services become mainstream, Zavo is positioned to serve millions of Indian users seeking credit-building, settlement, and lending solutions.