Advocacy & Policy
OpenCredit actively engages with regulators, constitutional bodies, and industry associations to advocate for transparent, fair, and inclusive credit scoring policies in India.
Our Advocacy Principles
Transparency First
All our policy positions, submissions, and research are publicly available for scrutiny and feedback.
Evidence-Based
Our advocacy is grounded in data, research, and real-world impact assessments.
Inclusive Participation
We actively seek input from underserved communities in shaping our policy recommendations.
Regulatory Respect
We work constructively within regulatory frameworks while advocating for beneficial reforms.
Regulatory & Institutional Engagement
India's central bank and primary financial regulator. We engage with RBI on digital lending guidelines, alternative credit data regulations, and regulatory sandbox participation.
Focus Areas
Papers & Submissions
Proposal for Open-Source Credit Scoring Framework
Submission to RBI outlining the OpenCredit approach to transparent, UPI-based credit assessment
Response to Digital Lending Directions 2022
Our analysis and recommendations on RBI's digital lending regulatory framework
Related Links
Constitutional body safeguarding interests of Scheduled Tribes. We advocate for inclusive credit access in tribal areas through transparent scoring mechanisms.
Focus Areas
Papers & Submissions
Credit Access for Tribal Entrepreneurs
Policy paper on improving credit access for ST entrepreneurs using alternative data
Related Links
Constitutional body protecting rights of Scheduled Castes. We work to ensure fair, unbiased credit scoring that doesn't perpetuate historical discrimination.
Focus Areas
Papers & Submissions
Ensuring Algorithmic Fairness in Credit Scoring
Framework for detecting and preventing bias in credit assessment algorithms
Related Links
Apex development bank for rural and agricultural credit. We collaborate on credit scoring for farmers, rural merchants, and agricultural value chains.
Focus Areas
Papers & Submissions
Alternative Credit Scoring for Agricultural Value Chains
Methodology for assessing creditworthiness of farmers and rural merchants using transaction data
Digital Credit Assessment for Farmer Producer Organizations
Framework for evaluating FPOs using collective transaction patterns
Related Links
Industry bodies representing merchants, traders, and MSMEs across India. We partner to understand ground realities and advocate for merchant-friendly credit policies.
Focus Areas
Papers & Submissions
Voice of Merchants: Credit Access Survey Report
Comprehensive survey findings on credit challenges faced by Indian merchants
Recommendations for MSME Credit Policy
Joint submission to Ministry of MSME on improving credit access through open data
Related Links
Partner Associations
Upcoming Engagements
RBI Fintech Conference 2026
ConferencePresenting OpenCredit methodology at RBI's annual fintech conference
NABARD Rural Credit Summit
SummitWorkshop on alternative credit data for agricultural lending
Digital India Week - MSME Track
ExhibitionDemonstrating open-source credit scoring for merchant associations
Join Our Advocacy Efforts
We welcome collaboration from researchers, policy experts, industry practitioners, and advocates for financial inclusion. Together, we can shape policies that democratize credit access.