Unlocking Credit
For India 2
Our mission is to bring 400 million unserved and underserved Indians into the formal credit system by helping them build a 750+ credit score. ZET offers secure, easy, and personalised solutions that empower individuals to take control of their credit journey.
Our Journey
Our Journey
01
April, 2019
OneCode founded by Manish Shara & Yash Desai
01
April, 2019
OneCode founded by Manish Shara & Yash Desai
02
March, 2023
Rebranded from OneCode to ZET
02
March, 2023
Rebranded from OneCode to ZET
03
April, 2025
Launched the SBM ZET Credit Card
03
April, 2025
Launched the SBM ZET Credit Card
04
September, 2025
ZET secures NBFC license
04
September, 2025
ZET secures NBFC license
05
November, 2025
Launched the DCB ZET Credit Card
05
November, 2025
Launched the DCB ZET Credit Card
06
January, 2026
Launched ZET UPI
07
January, 2026
Launched the IOB ZET Credit Card
06
January, 2026
Launched ZET UPI
06
January, 2026
Launched ZET UPI
07
January, 2026
Launched the IOB ZET Credit Card
07
January, 2026
Launched the IOB ZET Credit Card
Newsroom
Half Of Indians Have Never Checked Their Credit Score, Finds Study
Half Of Indians Have Never Checked Their Credit Score, Finds Study
Why ignoring your credit score can cost more than you think
Why ignoring your credit score can cost more than you think
Nearly half of Indian consumers never checked their credit score: ZET study
Nearly half of Indian consumers never checked their credit score: ZET study
What happens to your credit score if you close an unused credit card
What happens to your credit score if you close an unused credit card
Almost 50% Indians don't check credit score, most believe in myth: Study
Almost 50% Indians don't check credit score, most believe in myth: Study
SBM ZET Credit Card: FD-Backed Card for First-Time Borrowers Launched
SBM ZET Credit Card: FD-Backed Card for First-Time Borrowers Launched
ZET, SBM Bank India launch FD-backed credit card
ZET, SBM Bank India launch FD-backed credit card
Zet Secures TPAP Licence To Launch UPI Services
Zet Secures TPAP Licence To Launch UPI Services
DCB Bank, ZET launch secured credit card to widen access for new borrowers
DCB Bank, ZET launch secured credit card to widen access for new borrowers
Fintech ZET bags TPAP licence to enable UPI credit card payments
Fintech ZET bags TPAP licence to enable UPI credit card payments
Leadership
Manish Shara
Co-founder & CEO
Manish Shara
Co-founder & CEO
Yash Desai
Co-founder & COO
Yash Desai
Co-founder & COO
Trusted by Leading Investors
Trusted by
Leading Investors
Kunal Shah
Founder, CRED
Kunal Shah
Founder, CRED
Amrish Rau
CEO, Pine Labs
Amrish Rau
CEO, Pine Labs
Harshil Mathur
Founder, Razorpay
Harshil Mathur
Founder, Razorpay
Jitendra Gupta
Founder, Jupiter
Jitendra Gupta
Founder, Jupiter
Miten Sampat
CRED
Miten Sampat
CRED
Madhusudan E
CEO, KreditBee
Madhusudan E
CEO, KreditBee
Media Mentions
10 Lakh+
Indians trust ZET
4.5
Rating on Play Store
15,000+
PIN Codes Served
Media Mentions
10 Lakh+
Indians trust ZET
4.5
Rating on Play Store
15,000+
PIN Codes Served
Media Mentions
10 Lakh+
Indians trust ZET
4.5
Rating on Play Store
15,000+
PIN Codes Served
4.6
4.5