HomePersonal Finance5 Best Apps to check credit score for free in India

5 Best Apps to check credit score for free in India

Check Credit Score – Nowadays everything is available on EMI and credit cards. Multiple fintech companies lend money based on your credit. From bicycle to big apartment you can get a loan for every other purchase you make.

However, your credit score plays an important role in the approval of your loan or credit card application. Not only that your credit limit or loan amount is also decided based on your credit score. Your credit score is your financial mirror that helps the lender in checking your creditworthiness and capacity to repay the loan.  

A credit score is a three-digit number that is decided by a credit agency such as CIBIL (The credit information bureau). A credit score is decided based on your credit information history.  

The credit score is in the range of 300 to 850. Any credit score above 750 is considered excellent & you should aim to reach that score.  

 Hence, it is extremely important to check your credit score from time to time. To help you here are the 5 best apps that you can use to check your credit score for free in India.

best app check credit score india free

5 Best Apps to check your credit score for free in India

OneScore Credit Score Insight 

OneScore is India’s top credit score app. Using OneScore you can check your credit score for free. You can get detailed payment history and insights to improve your credit score. The best part of this app is it is Advertisement free. Anyone can download and get a credit score free of cost using this app. You should be above 18 years of age with a valid PAN to use this app. You need to input basic information such as mobile number, PAN card number, and date of birth to get a credit score. Key features of the OneScore App are given below.

Key Features of OneScore Credit Score Insight

  • Free credit report with credit score by two credit agencies CIBIL & Experian
  • Credit score insight with analysis
  • Credit score planner facility to improve your credit score
  • Safe and Secure as it does not ask permission to access
  • Totally ad-free app


CRED App is one of the most popular and my favorite app. In addition to checking your credit score, you can manage and pay all your credit card bills using this app. The best part of this app is cashback which is up to 100%. You will also get CRED coins to win exclusive rewards and prize offers. On registration, you will be asked basic information along with your mobile number and PAN card details. On feeding this information you can instantly get your CIBIL score. Key features of the CRED App are given below.

Key Features of CRED App

  • Free credit score checking with access to the credit profile
  • Credit card manager with a facility to pay credit card bills on the move
  • Detection of hidden charges and alert for duplicate transactions
  • Cashback offers and rewards in terms of CRED coins
  • Rent payment facility using credit card
  • Spend analysis facility with spend chart

Bank Bazzar Credit Score App

Bank Bazzar credit score app is the app with the highest user base. This app is downloaded by more than 5 million people. Bank Bazzar is a complete personal finance manager that not only help you to know your credit score but you can also track your monthly expense, get bill payment reminders & apply for an instant personal loan, credit card, and home loan. Key features of Bank Bazzar App are given below.

Key Features of Bank Bazaar App

  • Get a credit score and track it regularly
  • Compare and apply for loans and credit cards
  • Track your transactions and expenses
  • EMI calculator facility
  • Daily rate alerts for fuel, gold, and silver
  • IFSC code and address information for all Indian banks.

Credit Mantri

Credit Mantri is one of the best apps that allows you to do credit management on the move. You can create your credit profile and get your credit score instantly. Additionally, you can get the best loans and credit card offers from anywhere. You can also track your spending and bills with this application. Credit Mantri is powered by Equifax.

To get a credit score using Credit Mantri you need to download the app on your smartphone. Once it is installed you need to create your credit profile. You just need to input your mobile number and after OTP verification enter your date of birth and PAN number. On the next screen, you will be able to see your credit score. The app also provides a download button to download your credit report.

Key Features of Credit Mantri

  • Credit Score along with analysis 
  • Inputs by experts to improve credit score
  • EMI reminder and credit card bill reminder facility 
  • Apply for loans and credit cards from the lender with instant approval
  • Regular updates on credit score

INDMoney App

INDMoney App is a super money app that helps you to manage your entire finance in one place. You can track your investments, loans, expenses, saving accounts using this app. You can also invest in mutual funds and US stock using this app.

It also has a free credit score checker that updates your credit score on monthly basis. Getting credit score information using INDMoney is very easy. You just need to input your mobile number and PAN card detail to get your credit score along with the report. This app provides access to CIBIL credit score, Equifax credit score, Experian credit score, and CRIF Highmark credit score. Key features of INDMoney App are given below.

Key Features of INDMoney app

  • Free credit score check
  • Manage your finance and net worth across family members
  • Track your investments and liabilities
  • Invest in US stocks and mutual funds
  • Track your stock portfolio
  • Earn US stocks and crypto for good financial actions
  • Complete financial planning with goal settings
  • Personalized advisory facility

Final Words

A credit score is extremely important to maintain creditworthiness and trust. It will help if you want to take a loan & credit card from the market.

Your credit score should be higher and that’s why it is important to check your credit score on regular basis to understand how you can improve it.

Shitanshu Kapadia
Shitanshu Kapadia
Hi, I am Shitanshu founder of moneyexcel.com. I am engaged in blogging & Digital Marketing for 10 years. The purpose of this blog is to share my experience, knowledge and help people in managing money. Please note that the views expressed on this Blog are clarifications meant for reference and guidance of the readers to explore further on the topics. These should not be construed as investment , tax, financial advice or legal opinion. Please consult a qualified financial planner and do your own due diligence before making any investment decision.