NomoCrit is currently raising a pre-seed round.

The Indian NBFC market — over ₹22 lakh crore in loan book as of March 2024 — is consolidating its AI-driven credit decisioning faster than the governance infrastructure around it can mature. RBI's FREE-AI framework, the DPDP Act 2023, and the Digital Lending Guidelines all converge on the same operational requirement: AI decisions in lending must be explainable, auditable, and demonstrably fair. The enforcement window for these requirements is opening over the next twenty-four to thirty-six months. NomoCrit is the governance layer that makes those requirements satisfiable as production infrastructure, not as retrofitted policy.

Our business model is infrastructure licensing — per-decision pricing for enterprise NBFC and digital lending deployments, with VPC-isolated installations that sit between the lender's scoring model and the regulatory surface. The product is the layer, not a seat. Revenue scales with the lender's decision volume, aligning our economics with the operational reality of the customer rather than with team headcount or compliance personnel.

We are talking with investors who are oriented toward Indian fintech and regulatory-technology infrastructure: funds with prior NBFC or lending-platform exposure, partners who have built investment theses around the consequences of RBI supervisory tightening, and operators who can introduce us to the compliance and risk leadership at India's largest digital lenders. If that is you, we want to hear from you.