Kaapi
Your credit score, sorted over a kaapi.
Connect your credit report in seconds and Kaapi shows you what’s really driving your score. Then Sara, your credit saathi, helps you lift it, one step at a time.
One app that actually understands your credit report.
Connect your credit report and Kaapi turns it into a clear, honest picture of your score, what’s helping it, what’s holding it back, and exactly what to do next.
Your score, explained
See exactly what drives your score, payment history, card utilisation, credit age, mix, enquiries, in plain language, not jargon.
Your report, as a 60-second film
An animated, narrated walkthrough of your own report, score, accounts, payment history, that finally makes it all make sense.
Fix credit-report errors
Wrong details, duplicate accounts, incorrect late marks or balances, Kaapi detects them and drafts the dispute emails for you to review and send.
Sara, your credit saathi
A warm, plain-speaking AI coach who reads your actual report and answers in your language, Hinglish included, right inside the app.
Trends over time
Refresh your report any time and watch your score, debt and payment record move, progress you can see, not just a snapshot.
A human when you need one
Thinking about a loan, savings or insurance? Sara can set up a free callback from our expert team, no forms, no spam.
Not a chatbot. A saathi who reads your actual report.
Every number Sara says comes straight from your credit report, never made up. Ask a question in your own words, in your own language, and she gets to work.
Sara in the app
Finds exactly what’s holding your score back, an overdue, a maxed card, a wrong late mark, and walks you through the fix, one step at a time. She’ll even draft the dispute emails to the bureau and your bank, ready for you to send.
Three steps. Five minutes.
Give consent
Enter your PAN and approve the check. Kaapi fetches your report from the bureau in seconds. It is a soft enquiry, so it never lowers your score.
See what’s really going on
Your score, your accounts, your payment history, explained in plain language. Kaapi flags likely errors on the report too.
Lift it with Sara
Follow Sara’s plan one step at a time. Where there is an error, she drafts the dispute email for you to send from your own inbox.
Your credit report is personal. We treat it that way.
Kaapi only ever pulls your report with your permission, and your data is never sold.
- We fetch your report only after you say yes, every time
- Checking through Kaapi is a soft enquiry, so it never lowers your score
- Your data powers your experience, never sold
- Dispute emails go out from YOUR email, not ours
Frequently asked
What is Kaapi? +
Kaapi is a credit score app for India. Kaapi explains your score and what drives it in plain language, spots likely errors on the report, drafts the dispute emails to fix them, and gives you Sara, an AI credit saathi you can chat with in the app.
How does Kaapi get my credit report? +
Enter your PAN and give consent in the app. Kaapi fetches your report directly from the credit bureau, usually in under a minute. We ask for your permission every time, and we never pull anything without it.
Does checking my score lower it? +
No. Reading your own credit report is a soft enquiry, it never reduces your score. Only hard enquiries from lenders processing credit applications can affect it.
Can Kaapi help fix errors on my credit report? +
Yes. Kaapi detects likely errors, wrong personal details, duplicate accounts, incorrect late marks or balances, and drafts the dispute emails to the credit bureau and lender for you to review and send from your own email.
Who is Sara? +
Sara is Kaapi’s AI credit saathi, a warm, plain-speaking coach who reads your actual report, explains what’s holding your score back, walks you through fixes one step at a time, and can set up a free expert callback when you want a human. She speaks your language, Hinglish included.
Is my financial data safe? +
We only fetch your report when you give consent, and we ask every time. Your data is stored on servers in India, it powers your own experience, and it is never sold. You can ask us to delete your account and data at any time.
Is Kaapi free? +
Yes, Kaapi is free during early access, on iOS and Android.
Get Kaapi before everyone else.
Launching this week on iOS and Android. Join the waitlist and we’ll send you the links the moment they’re live.