Yubi Group Launches TopScore Credit‑Health App
Yubi Group, the AI‑powered operating system for financial services, announced the launch of TopScore, a consumer‑focused credit‑health application, at the Global Fintech Fest (GFF) 2026 in Mumbai on September 9, 2026. The launch comes as India now has over a billion individuals eligible for credit, yet recent studies indicate that nearly one‑half have never checked their credit score and often first encounter it only as a loan rejection.
The TopScore app provides users with a free credit score and full report sourced from Experian, obtained with the user’s consent. The report is translated into plain language across ten languages, including Hindi and English. An AI Score Coach converts the report into a personalized, step‑by‑step improvement plan, highlighting factors that help or hinder the user’s credit profile. For situations requiring human interaction, a Human Coach— a real credit expert fluent in the user’s language— is available. The app also includes a built‑in score predictor that lets users simulate real‑life scenarios to see estimated impacts on their score before taking action. Beyond scoring, TopScore assists users in raising disputes to correct reporting errors and enables a borrower‑initiated, consent‑first pathway to resolve past dues directly with lenders and rebuild credit.
TopScore will be released on the Google Play Store and the Apple App Store in the near future. The product is positioned as a natural extension of Yubi Group’s broader credit‑lifecycle capabilities, leveraging the company’s deep institutional credit infrastructure and predictive technology to shift the market from reactive debt recovery to proactive credit health management.
The launch was officiated by Mr. Ajay Kumar Choudhary, Non‑Executive Chairman and Independent Director of the National Payments Corporation of India (NPCI), Independent Director on Yubi Group’s board, and former Executive Director of the Reserve Bank of India (RBI). He stated that “Financial health begins with early education, not late collections. When consumers understand their credit habits before taking on debt, we break the default cycle and curb NPAs across the entire system.”
Gaurav Kumar, Founder and Chief Executive Officer of Yubi Group, emphasized that “For years, debt management in India was reactive, focused on collections, recovery, and managing NPAs after financial stress had already set in. That era is ending. By channeling deep credit infrastructure and predictive technology toward the consumer, we are shifting from reactive recovery to proactive credit health. TopScore moves the conversation beyond simply accessing credit to helping people borrow smarter, build lasting financial health, and prevent debt stress before it begins.”
Yubi Group, founded in 2020, operates the world’s only AI‑powered operating system for financial services, centered on the YuVerse AI suite that powers four specialized entities—Yubi, Accumn, Spocto X, and YuCollect—delivering end‑to‑end solutions in lending, underwriting, and collections. Backed by investors including Peak XV, Insight Partners, Lightspeed, B Capital Group, Dragoneer, and TVS Capital, Yubi has facilitated ₹3.2 lakh crore in credit and processed 3.5 crore transactions, serving more than 17,000 enterprises and over 6,200 investors and lenders, while reducing collections costs by 57%.