Credistral AI Private Limited
Registered office as filed with the MCA.
Sectors as filed: Business Finance
The website is as filed on the register. We have not checked that it resolves. Something wrong with this startup?
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Six things we look for on every startup: DPIIT recognition, a CIN, a website, a description, a logo and a funding signal. Not held here: Funding signal.
Location
Where this is
District
Srinagar
Jammu and Kashmir
Startup India records the district. We do not have a street address for this company, and we will not invent one.
No point is drawn, because we do not have one.
The register records this company's district and nothing finer, so the district is what is drawn. No point is shown, because we do not have one.
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Geocode confidence: low
See all Srinagar startups on the map How we placed this startup
In context
What this startup amounts to
CREDISTRAL AI PRIVATE LIMITED is a Startup India startup we can place no finer than Srinagar district, which holds 1,187 startups in this snapshot. It is filed under Finance Technology, which 11,528 startups carry nationally. It carries no funding signal of any class, which is true of 1,063 of the 1,187 startups in Srinagar.
Every figure above is counted from the 2026-08 snapshot and is the same number the page it links to prints.
In their own words
Problem: Traditional credit scoring in India depends mainly on bureau data, excluding new-to-credit customers, self-employed individuals, and those in semi-urban and rural areas. This creates a financial inclusion gap and increases risk for lenders due to incomplete assessment of repayment capacity. Solution: Credistral AI Pvt. Ltd. is developing CredEngine, an AI-powered credit scoring and risk intelligence platform that leverages Account Aggregator (AA) data to analyze real-time financial transactions, income patterns, and spending behavior. Alongside credit scoring, the platform offers fraud detection and risk mitigation tools to help lenders minimize defaults and improve portfolio health. Innovation: CredEngine integrates machine learning models, explainable AI (SHAP), and risk monitoring tools, offering transparent and regulator-friendly credit insights. Its plug-and-play API reduces loan approval turnaround from days to minutes, helping lenders serve even thin-file and new-to-credit customers. Scalability & Impact: The solution is scalable across NBFCs, banks, digital lenders, and MFIs. With growing AA adoption, CredEngine can integrate with hundreds of institutions and serve millions of borrowers. Beyond credit scoring, our vision is to build a financial data layer and wrapper for the entire lending ecosystem, enabling interoperability. This creates employment in data science, engineering, and compliance, while advancing financial inclusion and economic growth.
Written by the company on its public Startup India profile. Not verified by us.
The listing
What the startup says
- DPIIT recognition number
- DIPP218881
- CIN
- U80200JK2025PTC017776
- Incorporated (MCA)
- 2025
- Registered on Startup India
- 2025
- Self-declared stage
- Prototype
- Industry
- Finance Technology
- District
- Srinagar
- State
- Jammu and Kashmir
- Registered pincode
- 190001
- MCA status
- Active
- Company class
- Private
- Registrar
- RoC-Jammu
- Authorised capital
- ₹15,00,000
- Paid-up capital
- ₹1,00,000
Building a list? 1,187 Srinagar startups are in Explore, with website and CIN columns, the first 25 free.
Nearby
More startups near here
Other startups the register places in Srinagar, ranked by the evidence held on each, the same six things the dots near the top count.
Around it
The neighbourhood
This startup carries no locality line, so the district is the finest ring we can place it in.
All 1,187 registered startups in Srinagar are analysed in a 41-page report. About the report
Limits
What we do not know
- no funding signal of any kind
We have no liveness signal for any company on this site: no filings feed, no revenue, no check that the website still resolves. A startup existing here means a startup exists, not that a business is trading.
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