India’s credit confusion gets a confidence boost

Yes Bank launched 'Score Kya Hua,' a nationwide CSR initiative to empower Indians with credit literacy to unlock their financial potential. At its heart is ScoreKyaHua.bank.in, a microsite powered by CRIF High Mark, as knowledge partner. It offers free credit score checks and easy-to-understand educational content designed for India's diverse credit landscape.

For first-time credit seekers, the microsite offers step-by-step guidance on building a credit profile. Similarly, for existing borrowers, whether applying for a personal loan, car loan, or home loan, the platform helps them understand how everyday financial behaviours impact their credit scores.

Prashant Kumar, managing director and CEO of Yes Bank said, “We believe that true financial inclusion goes beyond access to credit—it also requires the knowledge to manage it wisely. Yes Bank, through its ‘Score Kya Hua’ CSR initiative, is driving a national movement to help every Indian understand what a credit score means and how to improve it. Our aim is to address the existing knowledge gap and expand the pool of creditworthy individuals by promoting responsible credit behaviour.”

Sachin Seth, chairman of CRIF High Mark and regional managing director, CRIF India and South Asia said, “We aim to share practical insights and tools that enable everyone to take charge of their credit journey with clarity and confidence.”

To demystify credit score, Yes Bank has created four television commercials that embed financial education in everyday Indian scenarios. ‘Score Kya Hua’ represents the bank’s vision of an India where financial literacy is a fundamental right—where a young person in Jaipur has the same access to credit knowledge as someone in Mumbai.

The microsite features curated blogs, informational videos, myth-busters that address common misconceptions about credit scores, and an interactive credit simulator that lets users see how different financial decisions might impact their scores. As India accelerates its journey toward financial inclusion, ‘Score Kya Hua’ stands as an open invitation for every citizen to understand the power of their credit score.  

Campaign’s take: Credit scores rarely trend on Indian timelines, yet they quietly script the country’s biggest life decisions. From a Surat entrepreneur eyeing expansion, to a Gen Z professional in Pune applying for her first credit card, to a Lucknow couple planning their first home—lakhs of aspirations hinge on a three-digit metric most people barely understand.

Yes Bank’s nationwide CSR initiative, ‘Score Kya Hua’, dives straight into this knowledge gap with the enthusiasm of a brand that knows education can be both a public service and a strategic advantage. Through a CRIF High Mark–powered microsite, the bank packages credit literacy into snackable videos, myth-busters and an interactive simulator that lets users play out ‘what if’ financial decisions.

This approach lands well in a country where financial jargon still feels like a foreign language. And while undeniably positioned as a social-good effort, the initiative has a quiet commercial edge.

Free score checks mean first-party data. CRIF partnership means verified profiles. And that, in turn, means future customers with healthy credit; essentially the low-risk cohort every bank covets.

The creative layer, driven by four relatable TVCs, anchors the message in everyday India. Because in a market sprinting toward financial inclusion, understanding credit isn’t just responsible—it’s empowering.