Free tool

Check your credit health

Answer a few questions and we'll plot an indicative credit estimate on the gauge, with the factors shaping it. It's a self-assessment tool to help you prepare — not your official bureau score.

Tell us about your finances

All fields except income are optional. Nothing you type is stored or sent anywhere — the estimate is calculated right here in your browser.

Fill in the form and we'll plot your indicative credit health on the gauge.

How to read this: The estimate is generated by a simple model from the inputs you provide and is not your actual credit score from CIBIL, Experian, Equifax, CRIF or any other bureau. Your real score depends on detailed bureau data. Use this as a directional guide before you apply, and check your official score with a licensed credit bureau for an accurate figure.

Improve your standing

Habits that build a stronger profile

Pay on time, every time

Repayment history is the single biggest driver of credit health. Even one missed EMI can leave a mark.

Keep utilisation low

Using a smaller share of your available credit limit signals discipline to lenders.

Limit hard enquiries

Applying to many lenders at once can dent your profile. Aggregators like us help you avoid scattered applications.

Hold a healthy mix

A balanced mix of secured and unsecured credit, managed well over time, builds a stronger profile.