The AI-led tool aims to translate credit-profile information into personalised, accessible guidance for users.
BharatPe introduced Credit Coach at Global Fintech Fest 2026 as an AI-powered credit-awareness tool available through the Credit Score section of the BharatPe for Business app.
The company says the tool uses personalised video explanations to help users understand their credit profile, bureau score, active loans and, where applicable, overdue payments or written-off tradelines. Videos are available in several Indian languages, with a digital avatar used to deliver the guidance.
Credit scores can be difficult for consumers to interpret, especially when they are new to formal credit or trying to improve an existing profile. A clearer explanation may help users understand the relationship between repayment behaviour, credit utilisation and future borrowing prospects.
Credit education tools must present information accurately and avoid implying that a particular action guarantees a score increase or loan approval. Users should be encouraged to check the underlying bureau record and raise disputes where information is incorrect.
BFSI NXT perspective: Financial inclusion also depends on helping consumers understand credit—not simply giving them access to it.
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