India's First · Income Identity Platform
Financial Reputation Engine

INCOME IDENTITY. FINANCIAL TRUST.

India's ₹230-trillion lending market runs on CIBIL — a system that measures only debt repayment, not income. IncomeScore introduces the missing layer: a verified, tamper-proof income identity generated from ITR, AIS, CIBIL and banking data, blockchain-anchored and attested by a Chartered Accountant.

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AES-256-GCM
Blockchain Anchored
CA Attested
RBI AA Framework
DPDP 2023
IncomeScore™
VERIFIED
Vaibhav V. Gupta
PAN: ABCVG1234X · AY 2024-25
842
💎 Platinum
Annual Income
₹36.0 L
Compliance
100% · 8yr
Net Worth
₹95.0 L
CIBIL Score
792
🔗 Block: 0x3f7a…d4e8f1
CA: Priya Mehta · ICAI 123456
AES-256-GCM Encryption
SHA-256 Blockchain Anchored
CA Attested Certificate
RBI Account Aggregator
Score in Under 5 Minutes
DPDP Act 2023 Compliant
The gap in the market

CIBIL scores your debt history.
IncomeScore proves your income reality.

For 30 years, India's financial system has judged people on how they repay loans — not on what they earn. IncomeScore fixes that with the country's first verified income identity.

CIBIL Score
Measures debt behaviour
Repayment history of past loans and credit cards
  • Tells lenders how you repay debts — not what you actually earn
  • A ₹50L annual earner scores 550 from a single missed EMI in 2019
  • Income is never verified — only liability repayment history counts
  • A first-time borrower with zero loans scores 0 — despite high income
  • No ITR, AIS or tax compliance signals used in scoring
  • Certificate can be fabricated — no cryptographic verification
30+
Years unchanged
0
Income sources
IncomeScore™
Measures income reality
Verified from ITR, AIS, CIBIL and banking data
  • Verifies actual income from ITR Schedules and AIS via government APIs
  • 6-year compliance history — filing timeliness, deductions, TDS matching
  • 24-month bank statement analysis via RBI Account Aggregator (Setu/Finvu)
  • CIBIL is one component (15%) — income, compliance and net worth drive the rest
  • PKI-verified filings with digital signature chain — data cannot be forged
  • SHA-256 blockchain-anchored certificate — tamper-evident, auditable forever
5
Verified sources
CA
Attested
<5
Minutes
How it works

From PAN to verified certificate
in five steps

01

Link PAN & Consent

Aadhaar-verified login. Granular consent per data source under DPDP 2023.

02

Auto-Fetch Data

ITR, AIS, 26AS via IT Dept APIs. Bank statements via RBI Account Aggregator.

03

PKI Verification

Every filing validated via digital signature chains and OCSP revocation checks.

04

Score Computed

Weighted algorithm across income, compliance, net worth, liabilities and discipline.

05

Certificate Issued

QR-coded, blockchain-anchored, CA-attested. Share with any bank, landlord or employer.

Use cases

One identity. Trusted everywhere.

Built for every institution that needs to verify real income — not just credit history.

Banks & NBFCs

Replace manual income verification — from 7–14 days to under 5 minutes. The IS API integrates directly with your LOS. Every income claim verified against live ITR and AIS data before sanction.

IS API · IS VERIFY

Property & Rentals

Salary slips are trivially forged. IncomeScore replaces them with a CA-attested, QR-scannable certificate verified from government sources — scanned in seconds by any landlord or platform.

IS VERIFY · IS CORE

HR & Employment Verification

1 in 3 candidates misrepresents income during hiring. IncomeScore delivers a tamper-proof, ITR-verified income certificate — eliminating manual VKYC, payslip collection and reference calls entirely.

IS VERIFY · IS ACCESS

Insurance Underwriting

Accurate, verified income and net worth at point-of-sale eliminates mis-selling and improves risk pricing across life, health and income-protection products. No PDF uploads, no callbacks.

IS INSIGHT · IS CORE
Brand architecture

The IS ecosystem

Five specialised modules — one verified income identity at the core.

IS
CORE
Financial Reputation Engine
IS
VERIFY
Verification & Compliance
IS
INSIGHT
Income Intelligence Analytics
IS
ACCESS
Digital Access Network
IS
API
Enterprise Infrastructure
Score tiers

Four tiers. One truth.

Your IncomeScore places you in one of four tiers. Every tier is a verified, CA-attested certificate — blockchain-anchored and scannable by any bank, NBFC or institution.

IncomeScore
Income Identity Certificate
842
Platinum
Annual Income
₹36.0L
Compliance
100% · 8yr
Net Worth
₹95.0L
Certificate Holder
Vaibhav V. Gupta
0x3f7a2b9c…d4e8f1a0
IncomeScore
Income Identity Certificate
720
Gold
Annual Income
₹22.0L
Compliance
93% · 6yr
Net Worth
₹38.0L
Certificate Holder
Ravi K. Sharma
0x9b4c1e2a…f7d3c5b2
IncomeScore
Income Identity Certificate
580
Silver
Annual Income
₹12.0L
Compliance
80% · 4yr
Net Worth
₹14.0L
Certificate Holder
Priya N. Mehta
0x2d8f4a1b…e9c6b3d7
IncomeScore
Income Identity Certificate
390
Bronze
Annual Income
₹5.0L
Compliance
60% · 2yr
Net Worth
₹4.5L
Certificate Holder
Amit S. Patel
0x7a1c3d2e…b8f4a9c1
Trust & Security

Bank-grade security.
Not just a promise.

CA Verified Data
Every certificate is digitally attested by a Chartered Accountant registered with ICAI
Bank Grade Security
AES-256-GCM encryption · HMAC-SHA256 request signing · AWS KMS key management · Zero raw PII storage
RBI · SEBI · CBDT
RBI Account Aggregator (AA) framework · DPDP Act 2023 compliant · CBDT API partnership
Blockchain Anchored
SHA-256 hash stored on permissioned ledger · PKI certificate chain validation · OCSP real-time revocation
COMPLETE SPECIFICATION FILED · INDIA
System and Method for Income Score Generation Using Statutory Filings, PKI Verification & Blockchain Anchoring
Filed by Vaibhav Vijay Gupta · Mumbai · India's first income-based financial identity scoring system
5
Data Sources
CA
Attested
<5
Minutes
● 847 people on the waitlist

Get your
Income Identity.

We're onboarding the first cohort of individuals, NBFCs and HR platforms. Join the waitlist and be first when we launch — no credit card, no commitment.

No spam · No credit card · Early access notification only