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Credfix, an AI-first platform empowering financially distressed borrowers, raises Rs 16.1 crore in funding

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Credfix, an AI-first platform empowering financially distressed borrowers, raises Rs 16.1 crore in funding

Credfix, an AI-first platform empowering financially distressed borrowers to regain control of their financial future, has raised Rs 16.1 crore in a seed funding round led by Tanglin Venture Partners, with participation from Stargazer.

The startup will use the fresh capital to accelerate product innovation, strengthen proprietary AI capabilities, expand its nationwide borrower support ecosystem, and scale its mission of making the path out of debt more transparent, accessible and humane.

Before this round, it raised Rs 4.5 crore from K2 Capital, Invstt Trust and a group of prominent angel investors.

Founded in 2025 by Ranjan Agarwal, Neeraj Kulkarni and Ayush Kedia, Credfix is an AI-powered financial recovery platform that helps borrowers understand their debt, explore their options and navigate lender interactions through debt assessment, loan resolution, loan consolidation and AI-powered legal guidance.

Credfix's platform includes three AI-based tools. Risi is a financial assistant designed to help borrowers understand their debt and identify possible resolution options. Neytra, described as an AI Call Shield, helps users manage recovery-related calls, generates call summaries and documents potential issues related to collection practices.

Its AI Legal Assistant is designed to help borrowers understand legal notices, prepare draft responses for review and identify possible next steps.

Ranjan Agarwal, Co-founder, Credfix, said, "Financial distress is often accompanied by confusion, anxiety and a lack of trustworthy guidance. We believe borrowers deserve better. At Credfix, we are using artificial intelligence to simplify one of the most complex financial experiences, empowering individuals with clarity, confidence and actionable solutions.



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