No bank history? No CIBIL score? No problem. TrustProof reads your electricity bills, UPI habits, mobile recharges, and community trust — then gets you the loan you deserve.
"I've never had a bank account but I pay my electricity bill every month. TrustProof gave me ₹80,000 to buy a refrigerated cart."
"My panchayat head vouched for me. That one vouch pushed my score up 40 points and got me approved for a new auto."
"Being part of a Self-Help Group for 3 years counted for something. I finally got credit to expand my tailoring business."
"My UPI transactions — paying for seeds, selling produce — proved I run a real business. No CIBIL needed."
Fill in your last 12 months of habits. Takes 5 minutes.
A vouch from a trusted community figure can add up to 15 points to your score.
190 million Indians have no credit score — not because they're untrustworthy, but because no one was listening. A farmer who pays electricity on time, a chai stall owner who recharges every month — she's reliable. TrustProof hears that.
Imagine someone asks "are you over 18?" You say yes. They don't need your birth certificate — just the answer. We do the same. The bank gets "score: 720, trustworthy: yes" — never your actual bills or phone records.
Aadhaar is great — but construction workers' fingerprints wear out. Some people never got it linked. TrustProof works with or without Aadhaar, using phone-based OTP identity instead.
When a panchayat leader or teacher vouches for you digitally, that becomes a real signal. For people with zero digital footprint, community trust is the most powerful proof of all.