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Free CIBIL Report Analyzer & Credit Advisor

Free CIBIL check and loan analyzer: see what your credit report can get you

Upload your CIBIL, Experian, Equifax or CRIF High Mark PDF. In a few seconds you see which loans you may qualify for, an indicative EMI, and how much you could save each year by moving an existing home loan.

  • ✓ 4 credit bureaus
  • ✓ 7 loan types
  • ✓ PDF deleted after analysis
How it works

From PDF to answer in four steps

1

Sign in & upload

Upload the report PDF you downloaded from the bureau. We recognise which bureau it is.

2

Tell us your income

Monthly salary, or net profit from your last two ITRs. Lenders size loans on income too.

3

See your eligibility

Indicative maximum amount, rate and EMI for each loan type, plus your yearly saving on an existing home loan.

4

Talk to us

Book an appointment or chat on WhatsApp to unlock the full breakdown and the best options for you.

What you get

Eligibility across seven loan types

Home loan, loan against property and vehicle loan. For each one you see whether you appear eligible, an indicative maximum amount, the rate for your score band and the monthly EMI.

If your report shows an active home loan or loan against property, the analyzer estimates the EMI on a fresh loan at today’s rate for your score and shows the yearly difference. Rates are set by us and updated regularly, so the figures move when the market does.

Loan analyzer & credit advisor

A loan analyzer built on your own credit report

The analyzer reads the credit report you download from the bureau and turns it into loan terms: which of seven loan types you may be eligible for, an indicative maximum amount, rate and EMI, and the saving if an existing home or property loan moves to a lower rate.

It is a useful first check before a home loan, loan against property or car loan, whether you are salaried or self-employed. Checking your CIBIL report before you apply shows where your file stands while there is still time to improve it.

After you book a call, our advisors go through your report with you, explain what is affecting your score and suggest what to work on first. We do not pull your credit score, change anything on your report or promise a score increase.

Your data

Handled as sensitive financial data

Indicative estimate for information only. It is not a credit decision or a loan offer. Actual rates and amounts depend on the lender’s own assessment.

Questions

Credit Report Analyzer — FAQ

Which credit reports can I upload?

The original PDF from CIBIL (TransUnion), Experian, Equifax or CRIF High Mark. We detect the bureau automatically. Scanned or image-only PDFs can be read too, but the original download is the most accurate; if you scan, use a clear, straight, full-page copy.

What does the analyzer show me?

Which of seven loan types you may be eligible for, with an indicative maximum amount, rate and EMI, and, if you have an existing home loan or loan against property, what a fresh loan at today’s rate could save you per year. A deeper breakdown of your score, payment history, risk flags and improvement tips is available after you speak to us.

What happens to my PDF?

It is stored under a random file name only while your report is being analysed, then deleted. We keep the extracted results, with your PAN masked, so you can view them again. You can delete an analysis from your dashboard at any time.

Why do you ask for my income?

A credit report has no income in it, and lenders size a loan on income as well as score. Salaried users enter monthly salary; business owners enter net profit from the last two ITRs.

Is this a loan offer or a credit decision?

No. It is an indicative estimate for information only. The rate and amount you are actually offered depend on the lender’s own checks, your documents and current policy.

Do I need a good score to use it?

No. It is an indicative estimate for information only. The rate and amount you are actually offered depend on the lender’s own checks, your documents and current policy.

Is the CIBIL check free?

Analysing a report you already have is free. We do not pull your score or create a new report. To get your own report, download it from the credit bureau; check that bureau’s website for its current options.

Can this generate or create a CIBIL report?

No. We analyse the report you download from the bureau. We cannot create, edit or improve a credit report, and anyone offering to do so should be treated with caution.

Can you act as my credit advisor?

Our advisors review your report with you after you book a call and explain what is affecting your score. Their guidance is based on your report; it is not a guaranteed score or loan.

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