True Balance

About True Balance

True Balance is an AI-powered financial services platform operated by True Balance India Pvt. Ltd. (formerly Balancehero India Private Limited). The platform provides a comprehensive suite of digital solutions, including personal loans, utility bill payments, and mobile recharges, focusing on democratizing credit for the underserved and underbanked populations across India. Operating at the intersection of global technology standards and deep local market insights, the company utilizes advanced AI-backed proprietary credit-scoring to deliver seamless and responsible finance. This technology-first approach allows True Balance to effectively bridge the credit gap for the 'Next Billion' users seeking secure and dependable financial access. The company operates under a robust regulatory framework, holding a Prepaid Payment Instrument (PPI) license and facilitating credit through its RBI-licensed subsidiary NBFC, True Credits Pvt. Ltd. Backed by marquee global institutions including SoftBank, Naver, and Line, True Balance operates an extensive pan-India network with deep penetration across every district in the country. Headquartered in Gurugram, the company is a key contributor to the Digital India and Viksit Bharat visions, serving as a trusted financial partner in the nation’s journey toward financial empowerment.