Step 01
Step 1
Mukodi computes the score nightly from your enriched transactions, balances, and outstanding EMIs.
AI InsightsRetail + B2B
Financial health score.
A single 0-900 score that reflects savings rate, debt load, and emergency-fund cover.
The problem
Why this exists.
Credit scores tell lenders how risky you are — they do not tell you whether you are okay.
We want one ordinal number that captures the three things that actually matter to a household: are you saving, are you over-leveraged, and could you handle three months of trouble.
How it works · 3 steps
From input to outcome.
- Step 02
Step 2
See the score on your home header and the three sub-scores when you tap in.
- Step 03
Step 3
Get explainable hints when the score moves — never a black-box delta.
Under the hood
The models and routes behind it.
Models called
API routes
- GET /api/v1/health-score
Compliance posture
- Score is computed from data you have already shared via AA, file add, or chat capture.
- DPDP §6 — purpose is disclosed; score history is erasable.
- Sub-scores are visible — no hidden weighting, no black box.
What it's not
Mukodi's health score is a wellbeing indicator, not a credit score. It is not shared with lenders unless you explicitly authorise it.
Related · features & stories