What Credit Sudhaar does

Credit Sudhaar is a Mumbai-based credit health management company founded in 2010 by Arun Ramamurthy and Gaurav Wadhwani — both management graduates and banking professionals — to help Indian consumers restore, enhance, and protect their creditworthiness. The company operates a self-serve online platform (creditsudhaar.com) integrated with all four Indian credit bureaus (CIBIL, Equifax, Experian, Crif Highmark) where users can access free credit reports, run a Credit Score Simulator, and receive personalized loan and credit card offers matched to their credit profile through a proprietary decision engine. Human-certified credit counselors provide the higher-value layer, conducting credit health analyses, dispute resolution, and improvement planning via subscription tiers (Platinum Rs 12,500, Titanium Rs 16,500, Premium Rs 22,500, Exquisite Rs 30,000, plus an Online plan at Rs 4,999) running 7–12 months.

The business model blends subscription recurring revenue from credit improvement plans with transaction-based loan facilitation fees from partner banks, affiliate commissions from insurance and tax products (Tax Rider via Soleil Efilings partnership), and interest income from Credit Sudhaar Finance — an RBI-registered NBFC (formerly Dipran Finance) that lends directly to credit-stressed borrowers through its Credit Enhancer program. The platform has engaged with approximately 1,130,798 clients across 253 cities in India, distributed through digital channels (Free Score India SEO property, content marketing, social media, Refer & Win program) and phone-based sales support. The company maintains offices in Mumbai (HQ), Bangalore, and Kolkata, with 51–100 employees.

The group is structured under Credit Sudhaar Finance Pvt Ltd (Clever Wizard group), with Credit Sudhaar Services Pvt Ltd as a wholly-owned operating subsidiary. Beyond credit advisory, the platform has expanded into insurance (life, term, health, car, travel, home contents), tax filing, identity theft protection (CS Identity Shield), and credit monitoring (CS Credit Monitor). A 2017 funding round of $25 million from Earlsfield Capital represents the only disclosed external capital event.

Name

Credit Sudhaar

Legal name

Credit Sudhaar Services Pvt Ltd

Website

https://creditsudhaar.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

Credit Sudhaar is a Mumbai-based credit health management company founded in 2010 that helps individual consumers across 253 cities in India improve their credit scores through subscription counseling plans, bank loan facilitation, and an RBI-registered NBFC lending to credit-stressed borrowers.

Ownership category

akta.pro rank

Product category

Credit Advisory & Financial Services

NAICS

Activities Related to Credit Intermediation (5223), Consumer Lending (522291)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro primary industry

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

akta.pro secondary industries

Credit Repair & Credit Score Advisory (FSAEAFAD), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD), Prime Unsecured Personal Loans (Installment) (FSAKAAAA)

Keywords

• Credit advisory services
• Credit score improvement
• Loan facilitation
• Credit health management
• NBFC lending

Headquarters

HQ city

Mumbai

HQ country

India

HQ region

Asia

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. Credit Health Improvement Plans: Subscription-based credit improvement packages (Platinum, Titanium, Premium, Exquisite) ranging from Rs 12,500 to Rs 30,000 providing credit counseling, score improvement modules, and loan assistance over 7-12 month periods
2. Online Credit Score Improvement Plan: Online-only credit counseling package for Rs 4,999 including email support, online access, CIBIL dispute resolution, and loan assistance
3. Loan Facilitation: Assistance in obtaining loans from partnered banks and lenders; company earns referral/transaction fees from lenders for successful loan disbursals
4. Insurance Products: Referral and facilitation of insurance products including life, term, health, car, travel, and home content insurance through partnered providers
5. Tax Rider Services: Tax filing and advisory services for salaried (Rs 2,000) and self-employed (Rs 5,000) individuals through partnership with Soleil Efilings India
6. Credit Sudhaar Finance Loans: NBFC lending through Credit Sudhaar Finance providing loans to individuals with low credit scores via Credit Enhancer program

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Credit Sudhaar is an online credit health management platform that reviews, monitors, and improves the credit scores and creditworthiness of individual consumers. It sells tiered subscription Credit Health Plans (Platinum, Titanium, Premium, Exquisite) that include credit counseling, dispute resolution, score improvement modules, and loan assistance, and operates as a referral channel for loans, insurance, and tax filing services through partner banks and providers. It also operates an RBI-registered NBFC subsidiary (Credit Sudhaar Finance) that lends directly to credit-stressed borrowers through its Credit Enhancer program.

Product overview

Credit Sudhaar is a credit health management platform offering a suite of credit improvement products and financial services. The core offerings include four tiers of Credit Health Plans (Platinum at ₹12,500, Titanium at ₹16,500, Premium at ₹22,500, and Exquisite at ₹30,000) providing credit counseling, score improvement, and identity protection. The platform also offers an Online Credit Score Improvement Plan (₹4,999) for digital access. Financial products include various loans (Personal, Home, Car, Education, Loan Against Gold/Property, Balance Transfer, Loan Against Security) with personalized offers based on credit profiles. Additional services include CS Identity Shield for identity theft protection, CS Credit Monitor for ongoing credit surveillance, Tax Rider for tax filing assistance, and a range of insurance products (Life, Term, Health, Car, Travel, Home Contents). The platform provides free credit score access and an EMI Calculator tool, positioning itself as a comprehensive credit advisory and financial services marketplace operating across 253 cities in India.

Differentiator

Problem solved

Functional benefit

Brands

• Plus Loan: Loan product for individuals with low credit score offered by Credit Sudhaar Finance
• Free Score India
• CS Identity Shield
• CS Credit Monitor

Products and services

• Platinum Credit Health Plan Base-level 7-month credit health improvement plan at Rs 12,500 providing credit health check-up, issue resolution, score improvement module, and credit counseling for individuals seeking to improve their CIBIL score.
• Titanium Credit Health Plan Popular 7-month credit health plan at Rs 16,500 providing free loan assistance and access to PLUS Loans from Credit Sudhaar Finance, in addition to standard credit counseling and score improvement modules.
• Premium Credit Health Plan Comprehensive 9-month plan at Rs 22,500 offering debt consolidation, extended legal assistance, senior counselor access, ATM assault and robbery protection, and identity theft protection on top of credit counseling and loan assistance.
• Exquisite Credit Health Plan Top-tier 12-month premium plan at Rs 30,000 providing access to top-rated dedicated counselor, a free family counseling session, loan and credit card assistance, debt consolidation, credit monitoring, lost wallet protection, and credit card protection for up to 3 cards.
• Online Credit Score Improvement Plan Digital-only 3-month credit improvement plan at Rs 4,999 providing online and email credit counseling, CIBIL score improvement advice, online quotations for defaulted accounts, loan assistance, and CIBIL updation/dispute resolution.
• Corporate Credit Improvement Plans Credit health improvement solutions tailored for corporate clients and business entities for managing employee credit health and corporate credit portfolios.
• CS Identity Shield Identity theft protection product safeguarding users against identity theft and fraud, including monitoring and resolution support.
• CS Credit Monitor Annual subscription service for ongoing credit monitoring and alerts on changes to a user's credit report.
• Tax Rider Tax filing assistance for salaried individuals (Rs 2,000) and self-employed individuals (Rs 5,000), provided in partnership with Soleil Efilings India Pvt Ltd.
• Personal Loan Unsecured personal loans distributed through partner banks and Credit Sudhaar Finance, with customized terms based on the borrower's credit profile.
• Home Loan Housing loans for purchasing or refinancing residential properties, facilitated through partner banks with personalized loan offers based on credit profile.
• Car Loan Auto loans for vehicle purchase facilitated through partner banks with terms based on creditworthiness.
• Education Loan Loans for higher education in India and abroad covering tuition and living expenses, with deferred repayment options and co-borrower credit counseling.
• Loan Against Gold Secured loans against gold ornaments and assets with competitive interest rates, facilitated through partner lenders.
• Loan Against Property Loans secured against residential or commercial property assets, facilitated through partner lenders.
• Balance Transfer Transfer of existing loan or credit card balances to a new lender for lower interest rates and better terms.
• Loan Against Security Secured borrowing against various financial instruments and securities, facilitated through partner lenders.
• Credit Sudhaar Finance Loans (Credit Enhancer Program) Direct lending by Credit Sudhaar Finance (RBI-registered NBFC) to individuals with low or stressed credit scores who are typically ineligible for regular bank loans, requiring minimum net income of Rs 40,000/month, debt burden ratio under 40%, collateral or 3 guarantors.
• Credit Cards Advisory Expert advisory services helping users select optimal credit cards from hundreds of options based on individual financial needs and credit profile.
• Free Credit Score Free credit score and report access initiative through freescoreindia.com, enabling consumers to view their credit bureau information.
• Life Insurance Life insurance products offered through partner insurance providers on the Credit Sudhaar platform.
• Term Insurance Term life insurance products for financial protection distributed through partner insurance providers.
• Health Insurance Health insurance products for medical coverage distributed through partner insurance providers.
• Car Insurance Motor vehicle insurance products distributed through partner insurance providers.
• Travel Insurance Travel insurance policies covering medical emergencies, trip cancellation, baggage loss, and travel document loss for domestic and international travel.
• Home Contents Insurance Insurance coverage for home contents and belongings distributed through partner insurance providers.

Quantifiable outcome

• 40% of customers who followed advice saw credit score improvement
• +2 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Major Banks (Unnamed)coreChannel Partner/ Reseller/ DistributorTie-ups with major banks for loan disbursals. The company assists customers in obtaining loans through partnered banks and lenders, leveraging their credit improvement programs.
• Soleil Efilings India Private LimitedminorStrategic or Co-development PartnerPartnership for providing tax rider services - comprehensive tax filing and expert guidance for both salaried and self-employed individuals.
• Insurance Companies (Unnamed)minorChannel Partner/ Reseller/ DistributorPartnership with insurance providers for offering life, term, health, car, travel, and home content insurance products through referral model.
• Clever Wizard GroupcoreOthersCredit Sudhaar Finance is part of the Clever Wizard group. The group structure includes Credit Sudhaar Finance (NBFC), Credit Sudhaar Services (wholly owned subsidiary), and Credit Sudhaar brand.
• Credit Sudhaar Finance Private LimitedcoreOthersRegistered NBFC with RBI (erstwhile Dipran Finance Pvt Ltd). Lends to individuals with stressed credit history through Credit Enhancer program. 14-year-old company providing loan products to customers ineligible for regular bank loans.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Others

• CRIF High Mark: One of India's four credit information companies whose bureau data and score products Credit Sudhaar uses directly. Upstream data and infrastructure provider for the credit advisory category.
• Perfios: India-based financial data aggregation and analytics provider whose credit-bureau style APIs and decisioning tools serve lenders. Adjacent technology enabler for credit advisory and underwriting workflows.
• CIBIL (TransUnion CIBIL): India's largest consumer credit bureau. As the dominant bureau whose scores Credit Sudhaar's plans target, it is the foundational data provider and a key ecosystem dependency rather than a competitor.

Direct peers

• CreditMantri: India-headquartered credit health management platform offering CIBIL score tracking, credit improvement advisory and personal loan facilitation to consumers with weak or thin credit profiles. Closest direct competitor to Credit Sudhaar across target customer, products and distribution model.
• Paisabazaar: Leading Indian online credit marketplace comparing credit cards and loans across banks, with growing credit advisory and score-monitoring features. Highly comparable consumer-facing loan facilitation plus credit insight play.
• BankBazaar: Indian fintech marketplace for credit cards, loans and other financial products with credit insight tools. Competes with Credit Sudhaar on loan lead generation and increasingly on credit-health education.

Emerging players

• CRED: Premium Indian credit-card bill payment and rewards app that has expanded into credit-score tracking, lending and personal loans. Comparable credit-health and consumer-lending proposition aimed at more affluent borrowers.
• IndiaLends: Digital lending platform offering personal loans, credit cards and credit-health insights to Indian consumers. Overlaps with Credit Sudhaar's lending and advisory proposition, though with stronger emphasis on origination.
• MoneyTap: Indian consumer credit line provider with credit-score and advisory features. Comparable target segment of salaried and self-employed borrowers seeking credit access and improvement.
• CASHe: Digital lending platform serving young salaried professionals in India with personal loans and credit-building products. Adjacent to Credit Sudhaar's subprime-to-prime consumer lending focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/CreditSudhaar
• Facebookfacebook.com/CreditSudhaar
• LinkedInlinkedin.com/company/credit-sudhaar
• Pinterestpinterest.com/CreditSudhaar
• Xx.com/credit_sudhaar

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Sudhaar