Welcome to Uniwersal
Uniwersal is a groundbreaking platform designed to meet the evolving financial, lifestyle, risk, and protection needs of the modern individual — all in one seamless ecosystem.
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For Individuals
Your needs—pre-approved and covered—with a tailored credit limit for housing, healthcare, insurance, lifestyle, and retail, ensuring financial certainty.
For Financial Institutions & Corporates
A smarter way to serve and grow—Uniwersal helps banks, NBFCs, and businesses boost wallet share with graded risk assessment, structured engagement, and long-term consumer value.
A Vision Driven by Expertise
Led by financial services expert Mathew PM and technologist Sahana TK, Uniwersal blends industry depth with innovation to drive digital transformation.
Join the Network
Join the Uniwersal network—businesses, builders, retailers, and insurers can reach financially evaluated consumers and grow with confidence.
What is Uniwersal?
Uniwersal brings together individuals, financial institutions, and businesses into a single, powerful ecosystem designed to create a smarter, more sustainable financial journey for everyone. Through a structured partnership model, Uniwersal connects people to the resources they need—combining intelligent credit and risk management with seamless access to essential lifestyle, protection, and everyday services. Whether it’s securing housing, healthcare, insurance, or retail benefits, the platform is built to support users at every stage of life, from their very first financial step to long-term security and growth. For partners, Uniwersal offers deep insights, advanced risk assessment, and efficient engagement tools that drive sustainable wallet share expansion. By aligning the goals of consumers, institutions, and service providers, Uniwersal creates a collaborative space where opportunity meets reliability, ensuring that every participant moves forward with clarity, confidence, and measurable value.
Our Easy Steps For Registration
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Sign in with ID Card
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Select Country Location
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Enjoy Full Access
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User Configuration
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Enter the Transaction
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Enter the Transaction
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Why Uniwersal?
Integrated Platform: Access housing, healthcare, insurance,
lifestyle, and retail services seamlessly in one ecosystem.
Customer-Risk Profiling: Benefit from fair, accurate, and
personalized assessments that unlock smarter financial opportunities.
Dynamic Credit Access: Enjoy flexible, pre-approved credit limits
tailored to your evolving needs and lifestyle.
Partner Growth: Banks, NBFCs, and businesses gain deep insights,
structured engagement, and sustainable expansion of wallet share.
Financial Security: Individuals are supported at every stage of
life, ensuring confidence, protection, and reliable access to essential
services.
Credit Score Calculator
Estimate your credit score instantly based on your income, debt, and payment history. Use this tool to understand your creditworthiness and make smarter financial decisions.