The borrower's side.
An AI platform that fights hidden charges, mis-selling and recovery harassment — and helps every Indian borrower win.
Banks have armies of lawyers. Now every borrower has one too.
Know exactly why your score is low.
No guesswork. We break down the four things hurting your score — in plain English.
Missed payments
Even one late EMI can pull your score down by 50+ points.
High credit utilization
Using more than 30% of your card limit signals stress.
Frequent loan enquiries
Too many applications make lenders cautious.
Errors & fake loans
Wrong entries on your report quietly damage your score.
We don't just track your score.
We fight for you.
Other apps show you a number. Rakshafin defends your money, your report, and your peace of mind.
Loan Audit
Spot hidden charges, mis-sold insurance & wrong interest rates on every loan you've taken.
Dispute & Defend
File disputes for wrong entries on your report. Stop illegal recovery harassment cold.
Save on Every Loan
Get refinancing & balance-transfer options that actually lower your EMI.
Get advice from credit experts.
Our certified team has helped lakhs of Indians fix their scores — and walk into the loan office with confidence.
- Personalized video guidanceA 5-min video explaining your unique score plan.
- 1-on-1 consultationTalk to a certified credit expert on call, in your language.
- 24×7 chat supportGet answers any time — even at 2 AM before that loan application.
One app to manage payments & earn rewards.
Loan payment tracker
Every EMI across every bank in one clean view.
Reminders & autopay
Never miss an EMI — automatic nudges 3 days before due.
Overdue EMI help
Step-by-step settlement plans if you've fallen behind.
New loan offers
Curated, pre-approved offers based on your real score.
100% secure and encrypted.
Bank-grade 256-bit encryption. We never sell your data, and you can delete your account any time.
A good score = real savings.
Same loan. Two scores. The difference goes straight to your pocket.
Early borrowers are telling us we're on their side.
The dispute team got a fake credit-card entry removed in 17 days. My score jumped 64 points.
Loan audit found ₹14,500 of mis-sold insurance on my personal loan. Refunded in full.
Chat support actually picked up at 11pm and walked me through my CIBIL report. Rare.
The score plan was specific to my situation — not generic advice. Hit 760 in 7 months.
Helped me stop harassment calls from a recovery agent. Felt protected for the first time.
Switched my home loan with their refinance offer. Saving ₹4,800 every month now.
The dispute team got a fake credit-card entry removed in 17 days. My score jumped 64 points.
Loan audit found ₹14,500 of mis-sold insurance on my personal loan. Refunded in full.
Chat support actually picked up at 11pm and walked me through my CIBIL report. Rare.
The score plan was specific to my situation — not generic advice. Hit 760 in 7 months.
Helped me stop harassment calls from a recovery agent. Felt protected for the first time.
Switched my home loan with their refinance offer. Saving ₹4,800 every month now.
Improve your credit score to 780+.
Download the app, connect your account and get your personalised plan in 2 minutes.