Make every rent payment count toward homeownership.
Transforming rent payments into verified financial progress.
Build your RentCred Score. Strengthen credibility. Unlock better housing & credit.
Rent is India's largest monthly expense.
It creates zero financial advantage.
125M+ Rental Households
Pay rent every month with no credibility to show for it.
80% No CIBIL Score
Invisible to the formal credit economy. Home loans denied.
No Reputation System
No verified history. No behavioural scoring. Zero trust.
Disconnected from Finance
Renting punishes responsible behaviour instead of rewarding it.
The Hidden Cost
Years of on-time rent payments. Zero credit. Responsible renters are financially invisible.
The system punishes good renters.
RentCred fixes this. We turn rent into verified financial progress.
India is ready for a rental identity system.
New Rental Laws
Digital agreements & verification mandates
UPI > 10B/month
Rent payments moving online fast
65% Under 35
Digital-native & financially aspirational
Rising Mobility
Renters move cities every 1-3 years
RBI Alt-Data Push
Encouraging behavioural underwriting
Homeownership Dreams
Aspirations rising post-2020
This is the moment to build India's rental identity layer.
Aspiring First-Time Homebuyers
Young professionals building toward homeownership
Target Persona
Age 25-35 | Rs 5-12 LPA
Pain Points
What They Want
Invisible, high deposits, no credit path
Verified identity, lower deposits, credit pathway
Why tenants first? Strongest pain → fastest adoption → activates landlord & broker flywheel
A trusted RentCred Score that moves renters closer to homeownership.
Turns rent payments into a verified financial identity through behavioural scoring.
Score Components
A Massive, Underserved Market
Rent is India's largest uncredited financial flow
₹22 Lakh Cr
India's total rental economy ($244B)
₹9.7 Lakh Cr
Digital UPI renters ($116B)
₹6,200 Cr
Our target market ($747M)
Rent is larger than credit cards, BNPL, and personal loans combined, yet unconnected to financial identity.
Scalable, Low CAC, Multi-Layer Monetization
Each layer strengthens the next → compounding margins
FREE TIER
Growth Engine (Zero CAC)
- UPI rent payments
- Basic verification
- Starter RentCred Score
- Digital rent history
Drives mass adoption & behaviour loops.
PREMIUM
High-Margin Consumer Subscription
- Scoring insights
- Homeownership roadmap
- Credit eligibility projections
- Priority verification & dispute support
Converts trust into recurring revenue.
BROKER SaaS
B2B Workflow Platform
- Verified listings
- CRM + agreements
- Tenant screening using RentCred Score
Reliable B2B revenue + low churn.
MARKETPLACE
Fintech Upside (Future)
- Home loans
- Deposit loans
- Insurance
- Movers & rental services
- Rent-to-own
Largest monetization layer powered by verified behavioural data.
FutureMOAT: Behavioural rental dataset enabling trusted underwriting & embedded finance.
Why RentCred Wins
First-mover in rental trust infrastructure
What Sets Us Apart
RentCred = rental identity graph + behavioural scoring + financial progression.
Fast, Scalable, Low-CAC Expansion
Broker-led growth with compounding trust effects
Credit Bureaus & RBI
Introduce RentCred Score as a behavioural underwriting signal for home loans and rental finance.
Beachhead Cities
Mumbai, Bengaluru, Hyderabad
High rent, high friction, high urgency. Digitally mature users with fastest adoption curve.
Broker-Led Acquisition
1 broker = 12+ tenants/year
200 brokers = 2,500-3,000 renters
Low CAC, high-density markets
Tenant-Landlord Flywheel
Tenants build trust, landlords accept verified profiles, brokers close faster, stronger scoring, marketplace activation.
Early Validation & Momentum
Proven demand, ready to scale
12
Renters Onboarded
50+
Validation Interviews
5
Landlords in Pipeline
3
Brokers Interested
Key Signals
Early renters checking scores repeatedly - habit forming
Brokers requesting digital tenant screening tools
50+ interviews confirm pain points across all ICPs
Next 90 Days
1,000
Renters
30
Landlords
20
Brokers
Validated demand. Now scaling with purpose.
Live & Already Onboarding Users
Try it yourself - scan or click below
Score Breakdown
12/12
On-time
14 mo
Tenure
100%
Verified
Try the Live Demo
Scan QR or click to explore
Open Live DemoEvery verified transaction brings renters closer to homeownership.
Founder
Jonathan Fernandes is an Experienced Founder, RERA-registered agent, and Web3 consultant.
With experience across SaaS, blockchain, leasing, and consumer products, his work in technology and real estate operations gives him a unique perspective on how India's rental system is broken.
Domain
Real estate ops
Product
SaaS & Web3
Execution
0→1 builder
Join Us in Building India's Rental Trust Infrastructure
Funding Ask
for 10% equity
(₹10 Cr post-money valuation)
Milestones
RentCred unlocks homeownership by transforming rent into a financial asset.
RentCredTrust Is an AssetMake every rent payment count toward homeownership.
Transforming rent payments into verified financial progress.
Build your RentCred Score. Strengthen credibility. Unlock better housing & credit.