Check Free Credit Score, Instant Loan, Credit Card app
CreditMantri helps you understand your credit profile and track monthly spends
CreditMantri’s credit score is powered by Equifax - 1 of the 4 credit bureaus authorized by RBI.
CreditMantri is trusted by more than 18 million Indians🛡️ and 40+ lenders.
🏁 Things you can do on the CreditMantri app
🎰 Credit Score and Analysis
✔ Check your credit score for FREE and detailed analysis of your credit profile and history
✔ Know your latest credit score every month and see what has changed
✔ Subscribe to premium credit health report for personalized recommendations
✔ Improve your credit score with our expert help
💸 Track Spends and Bills
✔ Plan your budget and track your spends across categories like on food, shopping, etc.
✔ Quickly add any cash spent to accurately track your expenses
✔ Get EMI reminders and credit card bill reminders to pay on-time
✔ Check bank balance and ATM 🏧 withdrawal count
💰 Loans and Card offers
✔ Apply for exclusive loans and credit cards from top lenders and get Instant approval
✔ Build your credit score with your first credit product
✔ Resolve your negative accounts and become loan eligible
🆓 Credit score FAQs❔
What is a credit score and how is a credit score calculated?
Credit score is an indicator of a borrower's ability to make credit payments on time. Credit score is calculated based on the data provided by the banks and NBFC’s to the bureau. Major factors that influence a credit score calculation are timely credit payments, current outstanding balance and new credit enquiries etc.
If I check my credit score, will it hurt my credit report?
No, requesting your credit score through CreditMantri is considered a soft inquiry on your credit report (as opposed to a hard inquiry, when a lender requests your credit score during a loan decision).
I have a low credit score. What can I do to improve my score and become loan eligible?
You might have a low credit score due to negative accounts and/or delayed payment(s) in your credit report. CreditMantri can help you identify the negative accounts and help you attain better credit health by resolving the issues.
💡 Loans FAQs
What are the kind of loans available?
CreditMantri’s Marketplace offers a wide range of products matched to the customer’s credit profile which include personal loan, home loan, auto loan, gold loan, loan against property, business loan, education loan, two-wheeler loan and short-term loan.
What is the loan amount, tenure and interest rate I can get on different types of loans?
Loan amount, tenure and interest rate are determined by your credit profile and requirements.
1. Personal loan: From ₹20,000 to ₹30 lakhs & tenure from 6 months to 5 years & interest rate varies from 11.99% to 35% per annum
2. Home loan: From ₹3 Lakhs to ₹10 Crores & tenure from 1 to 30 years & interest rate varies from 8.35% to 15% per annum
3. Short-term loan: From ₹1000 to ₹2 Lakhs & tenure from 90 days to 24 months & interest rate varies from 1.33% to 2.5% per month
Representative example of the total cost of the loan:
Loan amount - ₹100000
Interest rate(APR) - 13% p.a
Loan tenure - 12 months
Total Interest to be paid - ₹13000
Processing fee + GST - ₹588 (₹499+GST)
Monthly EMI repayment - ₹9466
Total amount to be repaid - ₹113588
* Camera - To take photos of proof documents to quicken loan process.
* SMS - To help you track your spends and EMI reminders from bank SMSs
* Storage - To store photos captured by you for proof documents
* Phone call/Device state – To pre-fill the mobile number
Red Herring Asia Top 100 Winner, 2017
Named in the “Top 250 Fin-Tech Companies in the world” by CB Insights, 2017 and 2018
Jason J.Spindler ‘Big Data for Impact Award, 2019
Credit Healthy toh Credit Wealthy