3.8
26.7K reviews
1M+
Downloads
Content rating
Everyone
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About this app

With CreditMantri you can start with your free credit score, create your profile, track your monthly spends, and discover loans, credit cards and other financial products that are uniquely matched to your profile.

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 & get detailed analysis of your credit profile
- Know latest credit score & track it regularly
- Subscribe to premium credit health report for personalized recommendations
- Improve your credit score with inputs from our experts

💸 Track Spends and Bills
- Plan your budget & track your spends across categories
- Quickly add any cash spent to accurately track your expenses
- Get EMI reminders & credit card bill reminders to pay on-time
- Check bank balance & ATM 🏧 withdrawal count

💰 Loans and Card offers
- Apply for exclusive loans & credit cards from lenders, 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 & 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

🔐Permissions Requested:
* 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

🏆Awards
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
Updated on
May 22, 2022

Data safety

Developers can show information here about how their app collects and uses your data. Learn more about data safety
No information available
3.8
26.7K reviews
Subramaniam Sarathkumar
May 21, 2022
Not even 1 star rating: I have subscribed this useless app to resolve my loan. What they will do is, asking us to send mail to the bank. Then bank will reply to visit nearest branch. That's it. That can be done by ourselves without any subscriptions. For subscribing they called me 2,3 times. After subscription, not even one call from them. They don't take any action to improve our credit score. 😡😡 Dear everyone, Don't believe this Apps, contact your bank directly.
10 people found this review helpful
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CreditMantri Finserve Private Limited
May 23, 2022
Dear Mr.Kumar, We really appreciate you bringing this to our attention. We would like to address your concern and hence would need further information. We request you to write to us on grievance@creditmantri.com. We request you to mention the following id to assit you better:GA2112709. Looking forward to hear from you. Regards, Team CreditMantri.
subrata biswas
April 30, 2022
All are requested to not take any service from them by subscription any amount. I have good experience. I subscribed their offers for developing my credit score but 4th month running they are unable to solve and not keeping any contact with me. Also they have no any contact number for talk to them. Beware of froad....
25 people found this review helpful
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CreditMantri Finserve Private Limited
May 2, 2022
Dear Mr.Biswas, We regret the inconvenience you had to face.We would like to address your concern and We request you to write to us on app.support@creditmantri.com. We request you to mention the following id GA2112630 to assit you better . Regards, Team CreditMantri.
suraj shetty
April 11, 2022
I have spoken to someone from this company. They offered services that I have paid and subscribed to. But its been two months and no follow up on any of thia. Besides, the app never opens. I have the most updated version. There is no option to contact anyone.Fraud, Cheater App. Kindly don't buy their subscriptions. they do not provide any solution at All
50 people found this review helpful
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CreditMantri Finserve Private Limited
April 11, 2022
Dear Ms.Shetty, We regret the inconvenience you had to face.We would like to address your concern and We request you to write to us on app.support@creditmantri.com. We request you to mention the following id GA2112545 to assit you better . Regards, Team CreditMantri.