Financial empowerment platform Zavo has launched an app designed to help users develop credit habits through gamified tools, insights, and plans. Zavo is improving the financial ecosystem by enhancing credit scores, facilitating loan settlements, and providing instant loans and credit cards with the help of technology. Zavo motivates and educates individuals to build strong credit profiles for better loan access and personalized 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.

Zavo 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.

Founded by Kundan Shahi in 2024, Zavo aims to revolutionize 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 by leveraging 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 utilizing 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.