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Hi, How are your services different from CIBIL? Are you adding some analysis to CIBIL report? Can it be considered as the function of CIC requiring RBI authorisation?

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CreditMantri and CIBIL

CIBIL is a Credit Bureau or CIC i.e Credit Information Company and is governed by the CICRA Act. As a CIC, a credit bureau be it CIBIL, Equifax, Experian etc. gets data from lenders and provides a credit history and score for consumers. Lenders use this score and the information about the consumers credit history to make their lending decision. CreditMantri attempts to help individuals understand their credit profile and to help them make better credit decisions. The Free Credit health Check enables users to better understand their credit history and where they stand. The analysis we provide is meant to help consumers understand their credit report in a simple, easy to comprehend fashion. The aim to is help consumers who are not completely familiar with the various aspects of a credit report to develop an understanding of where they stand and based on this understanding take charge of their credit well being. Our offering has been built keeping in mind the existing regulatory framework and we have taken steps to ensure that the offering sits well within what is permitted. Should you require any further clarifications, do write to us at

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As part of our efforts to make the end consumer services affordable and available at price points which are favourable to the customer, CreditMantri may receive fees / commissions from lenders.

CreditMantri ™ is a registered trademark of CreditMantri Finserve Private Limited. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Mantri are the property of their respective trademark holders.

CreditMantri was created to help you take charge of your credit health and help you make better borrowing decisions. We support customers with every kind of credit profile - those who are new to credit and have a minimal or nonexistent record; those who have a problematic history; and those who already enjoy a healthy profile. If you are looking for credit, we will make sure you find it, and ensure that it is the best possible match for you. How do we help you? We enable you to obtain your credit score instantly, online, real time. We get your Credit Score online and provide a free Credit Health Analysis of your CIBIL or Equifax report. Based on the analysis, we help you discover loans and credit cards best suited for your credit profile. We help you understand your Credit Profile, Credit Information Report (CIR) and know where you stand. We are a one-stop shop for all your credit needs. We make it easy for you to browse through and compare the various financial products on offer on the market; access our free and user-friendly online tools; and finally, enjoy a stress-free application process with quick approvals. We ensure that you have a better shot at getting an approval for a loan or credit card you apply since we match the lender’s criteria to your credit profile. We help you avoid loan rejection by carefully determining your eligibility and matching you with the right lender/product. We achieve this with a cutting edge combination of data science and technology that ensures that both lenders and borrowers have a transparent common platform to make their decisions. We treat your data with the utmost confidentiality and will never share or sell it to anyone. That is our CreditMantri guarantee. Our dedicated and best-in-class customer service will go the extra mile (or two) to support you on every step of your credit journey. Our 1 Million happy customers are our best testimonial.

CreditMantri is India’s No. 1 site for Credit Analysis and Free Credit Score Online. Let us help you take control of your credit goals and unlock the door to your financial freedom.