Your comprehensive Indian financial hub for checking credit score, comparing loan offers from top banks like SBI and HDFC, finding the best credit cards with exclusive rewards, refinancing existing loans at lower rates, and investing in digital gold starting from just ₹10 - all in one place across Delhi, Mumbai, Hyderabad, Bangalore, Pune and other cities.
Explore our comprehensive range of financial products designed for the Indian market - from home loans with rates as low as 8.40% to digital gold investments starting at just ₹10. Get personalized solutions that align with your financial goals across metros like Delhi, Mumbai, and Bangalore or any city in India.
Explore our range of loan products with competitive interest rates, flexible repayment options, and quick approval processes to support your financial goals.
Choose from our comprehensive loan offerings: Home loans with rates from 8.40% and tenures up to 30 years, Personal loans up to ₹50 lakhs with 24-hour approval, Business loans with MSME-focused solutions up to ₹5 crores, and Loan Against Property for leveraging your assets for larger amounts with longer repayment periods.
Apply for a Loan NowChoose from our range of credit cards with exclusive rewards, cashback offers, and lifestyle benefits tailored to match your spending patterns and preferences.
Earn points on every purchase that can be redeemed for travel, merchandise, or statement credits.
Get a percentage of your spending back as cash rewards on everyday purchases like groceries and fuel.
Enjoy exclusive benefits like airport lounge access, concierge services, and premium travel insurance.
Invest in 24K pure digital gold securely and easily with minimal investment amounts. A safe hedge against inflation with the benefit of high liquidity.
Begin with as little as ₹1 and build your gold portfolio over time through systematic investment plans.
Each unit of digital gold is backed by 99.9% pure physical gold stored in secure vaults and fully insured.
Sell your digital gold instantly at any time with transparent pricing based on current market rates.
Check your credit score and comprehensive report for free. Understand factors affecting your creditworthiness and get personalized recommendations to improve your score.
Track your credit score changes over time with monthly updates and alerts for significant changes.
Receive tailored recommendations on how to improve your credit score based on your unique financial profile.
Get notified of important changes to your credit score, such as new accounts, inquiries, or late payments.
MoneyKarma was founded in 2018 with a mission to democratize financial services across India - from metro cities like Delhi, Mumbai, and Bangalore to tier 2 and tier 3 cities.
With over 5 million satisfied customers across 500+ Indian cities and partnerships with 90+ leading financial institutions including SBI, HDFC, ICICI and other top banks, we've helped Indians save ₹2,500+ crores in interest payments, improve CIBIL scores by an average of 75 points, and invest wisely in instruments aligned with Indian tax benefits under Section 80C. Our team of certified financial experts understands the unique requirements of customers and is dedicated to providing personalized solutions tailored to your financial situation and goals.
Hear from our satisfied customers across India who have transformed their financial lives using our services. From CIBIL score improvements to securing dream homes in Delhi, Mumbai, Hyderabad, Bangalore, Pune and other cities, discover their success stories.
" I was struggling with credit card debt and a poor CIBIL score for years. Using MoneyKarma's credit score monitoring and personalized recommendations, I was able to improve my score by over 100 points in just 8 months! Their home loan refinancing options saved me ₹4.8 lakhs in interest with a better rate from SBI. I can't recommend their services enough for fellow Delhiites.
The digital gold investment feature has also been an excellent way to diversify my portfolio during festival seasons and protect against inflation, especially with the tax benefits under Indian regulations. The platform is intuitive and makes managing my finances so much easier. "
"As a first-time homebuyer in Mumbai, I was overwhelmed by the property and mortgage process. MoneyKarma compared rates from multiple lenders including HDFC and ICICI, and found me a loan with terms I never thought possible - saving me ₹6,500 on monthly EMI. Their team guided me through RERA compliance and property verification. Thanks to them, I'm now a proud apartment owner in Andheri West!"
"I've been investing in digital gold through MoneyKarma for Akshaya Tritiya and other auspicious occasions, and I'm impressed with how they've simplified this traditional Indian investment. The platform provides detailed analytics and performance tracking in rupee terms. With the ability to start from just ₹10, it's perfect for systematic investments every month alongside my mutual fund SIPs. A great way for Bangaloreans to diversify investments and hedge against market volatility while honoring our cultural investment traditions."
We provide authentic CIBIL scores and reports from TransUnion CIBIL, which is the most widely used credit bureau in India. This is the same score used by major Indian banks like SBI, HDFC, and ICICI when evaluating loan applications. As per RBI guidelines, our scores are updated monthly and provide an accurate reflection of your current credit standing across all Indian financial institutions. Our platform also provides insights from other Indian credit bureaus like Experian and CRIF Highmark for a comprehensive view.
We analyze your CIBIL score, income documents (Form 16, ITR, salary slips), and other financial factors aligned with Indian bank requirements to match you with lenders most likely to approve your application. Our pre-qualification process uses a soft credit inquiry, which doesn't affect your CIBIL score as per RBI regulations. We show you personalized rates and terms from multiple Indian banks like SBI, HDFC, ICICI, Axis and others, allowing you to compare EMIs, interest rates, processing fees, and prepayment options to choose the best fit for your needs. We also factor in bank-specific offerings like SBI MaxGain, HDFC Home Saver, or special rates for women borrowers as per government initiatives.
Yes, digital gold is a secure investment aligned with India's strong cultural affinity for gold. Each unit of digital gold is backed by 24K physical gold of 99.9% purity (BIS standard), stored in secure vaults approved by the Indian Bullion Association. The gold is fully insured and regularly audited by independent agencies as per SEBI guidelines. For Indian investors, digital gold offers all the traditional benefits of physical gold (auspicious for occasions like Dhanteras and Akshaya Tritiya) without storage or security concerns of keeping gold at home. You can buy as little as ₹10 worth (unlike minimum 1 gram for physical gold), accumulate systematically, and sell 24/7 at transparent market rates with minimal transaction fees. Digital gold can also be converted to physical delivery for occasions like weddings, and provides proper GST invoicing for transparency.
Improving your CIBIL score in India involves several key strategies aligned with the Indian credit system: pay all loan EMIs and credit card bills on time (this has 35% impact on your score), maintain credit utilization below 30% on credit cards, avoid applying for multiple loans or cards in a short period (each application creates a hard inquiry visible to Indian banks), keep old credit accounts open to maintain a longer credit history (especially your first credit card), ensure your Aadhaar and PAN details are correctly linked to all financial accounts, and regularly check your CIBIL report for errors or fraud. As per RBI guidelines, cleared loans remain on your report for 7 years, so maintaining good repayment history is crucial. Our platform provides personalized recommendations based on your specific Indian credit profile and monitors your progress over time with alerts for any changes.
Our credit card recommendations are uniquely tailored for the Indian market, considering factors like your spending in rupees across Indian categories (groceries, dining, fuel, e-commerce), specific Indian merchant tie-ups (like BigBasket, Swiggy, or IRCTC), domestic and international travel benefits relevant to Indian travelers, and festival/seasonal offers from Indian banks. We analyze rewards programs (cashback vs reward points), annual fees (including GST), interest rates, joining/renewal benefits, and card features to match you with options that maximize value for your lifestyle. Our platform shows Indian-specific benefits like airport lounge access in Indian airports, fuel surcharge waivers at Indian petrol pumps, EMI conversion options, and Zomato/Swiggy privileges. Unlike generic comparison sites, we show your approval probability for each card based on your CIBIL score and income, helping you apply with confidence while minimizing rejection risks that could impact your credit score.
