Finsa: Credit Score & Gold

Finsamudra

About this app

Finsa helps you save in 24K digital gold and understand your credit report, in one simple app.

Save in digital gold
Buy 24K digital gold (99.5% purity) at live prices, as a one-time purchase or as a daily or weekly auto-save with UPI Autopay, from ₹50. Your gold is provided by SafeGold (Digital Gold India Private Limited) and held in its insured vaults. Sell whenever you like, and the money goes to your own bank account.

Save against a loan you already have
If you are repaying a loan, you can set gold savings aside against it and see how much of the balance they would cover. Finsa estimates when your savings could help you close it early. These are estimates, not guarantees.

Charges, in full
• 3% GST applies to every gold purchase and is included in the price you see. Source: GST rates, CBIC (cbic-gst.gov.in).
• Buy and sell prices differ. This spread is set by SafeGold.
• Finsa adds no markup or fee of its own.
Example: you pay ₹100 at a buy price of ₹16,258 per gram including GST. That is ₹97.09 of gold plus ₹2.91 GST, and you receive 0.0061 g (SafeGold rounds grams down to four decimal places).

Your credit report, explained
Fetch your Equifax credit report with your consent and a one-time password you verify yourself. It is a soft enquiry and does not affect your score. See your score and what moves it: payment history, credit utilisation, EMI burden, recent enquiries, and credit age and mix. Every loan and card on your report is listed with its balance, EMI and repayment history.

Finsa AI
Ask about your own numbers: why your score moved, how your utilisation is affecting it, how much gold you have saved. Your name, PAN, phone number and account numbers are removed before anything reaches the AI, and all calculations are done by Finsa. You can report any AI answer from inside the chat. Answers are informational and are not financial advice.

About loans
Finsa does not offer, arrange or recommend loans, and you cannot apply for a loan in this app. The loans you see are the ones you already have, read from your own credit report.

Your data
No ads. We do not sell your data. Delete your account from inside the app, or at finsamudra.com/finsa/android/delete-account. Privacy policy: finsamudra.com/finsa/android/privacy

Important
Digital gold is not a bank deposit. Its value moves with the market, and past prices do not predict future returns. Finsa is not a bank or a lender.

Finsa is a private app operated by Finsamudra Private Limited. It is not a government app and is not affiliated with, endorsed by or acting on behalf of any government entity.

Finsa is operated by Finsamudra Private Limited.
Registered office: Simha Arcade, 3013, Mahakavi Kuvempu Road, Gayatrinagar, Rajajinagar, Bengaluru, Karnataka 560021
Support: [e-mail]
Grievances: [e-mail]
Website: https://finsamudra.com/finsa/support

What’s new

Notifications for your gold savings: each purchase, your daily SIP, payouts to your bank, and gold price alerts. Choose which ones you get in your phone settings.