Platform Features

Powerful Tools for Credit, Loans & Insurance

Whether you're rebuilding your credit, searching for the right loan, or exploring insurance options, Capora has the right tools and partner network to help.

6 Core Features

4 Bureaus Integrated

24/7 Real-Time Updates

📊 Monitoring

Real-Time Score Monitoring

Know the moment anything changes on your credit report. Capora keeps a watchful eye on your score across all four major Indian bureaus around the clock, so you're always the first to know about changes — good or bad.

Live score tracking from CIBIL, Experian, Equifax & CRIF High Mark

Instant push, email, and SMS alerts for any report changes

Historical score chart showing your improvement journey

Identity theft alerts — new accounts, hard inquiries detected immediately

Weekly digest email summarizing your credit health status

Best for: Anyone who wants to protect and grow their credit score proactively.

🎯 Analysis

AI-Powered Action Plans

Our machine learning model has been trained on millions of credit profiles to understand exactly what actions produce the biggest score improvements for your specific situation. No two plans are the same — yours is built around your unique data.

Fully personalized recommendations based on your unique credit profile

Every action ranked by expected score impact (pts gained per effort)

Timeline projections showing expected score at 1, 3, 6, and 12 months

Plan auto-updates as your score changes and actions are completed

Explained in plain language — no jargon, no confusion

Best for: Anyone who wants maximum results with minimum trial and error.

💡 Optimization

Credit Utilization Optimizer

Credit utilization accounts for 30% of your score — and it's one of the fastest factors to change. Our optimizer tells you exactly how much to pay, on which card, and in what order to drop your utilization into the optimal range as quickly as possible.

Card-by-card utilization breakdown with optimization targets

Exact payoff amounts per card to reach 30%, 20%, and 10% utilization

Credit limit increase recommendations to reduce utilization instantly

Best statement balance timing tips to report lower utilization

Expected score improvement for each paydown milestone

Best for: People who carry credit card balances or have multiple cards.

🛡️ Disputes

Credit Report Error Disputes

Research shows that 1 in 5 Indian credit reports contains at least one material error. These errors could be costing you tens of points. Capora automatically detects them and manages the entire dispute process on your behalf.

AI-powered error detection across all accounts and payment history

Automated, legally formatted dispute letters submitted on your behalf

Real-time tracking of all open disputes with timeline updates

Escalation support if a bureau fails to respond within 30 days

Types covered: wrong account status, incorrect late payments, duplicates, fraudulent accounts

Best for: Anyone who suspects errors on their report or has been unfairly penalized.

🔔 Reminders

Smart Payment Reminders

Payment history is 35% of your credit score — the single most important factor. One missed payment can drop your score by 60–110 points and stay on your report for 7 years. Capora's intelligent reminder system makes sure that never happens to you.

Multi-channel alerts: push notification, email, and SMS

Smart timing — alerts sent 7 days, 3 days, and 1 day before due date

Calendar integration — sync with Google Calendar or Apple Calendar

All loans, credit cards, and EMIs consolidated in one payment dashboard

Autopay setup guidance for banks where available

Best for: Busy professionals who want to protect their payment history on autopilot.

🔮 Simulator

Credit Score Simulator

Make smarter financial decisions before you make them. The Capora Score Simulator lets you test different scenarios and see exactly how they'd affect your score — before you commit to any action in real life.

"What if I pay off Card A?" — simulate debt paydowns

"What if I apply for a new card?" — test inquiry impact

"What if I close my oldest card?" — understand the real risk

Combine multiple scenarios to find your optimal path forward

Timeline view showing projected score month by month

Best for: Anyone making a major financial decision — loan application, new card, closing accounts.

🤝 Partner Network

Loan and Insurance Discovery

Capora can help you discover relevant loan and insurance products from regulated NBFC, bank, and insurance partners once you give consent. We focus on matching, while the partner handles underwriting, pricing, and issuance.

Product discovery based on your profile, consent, and eligibility signals

Loan options through partner NBFCs and banks

Insurance discovery across life, health, and general insurance partners

Transparent referrals so you can review the partner's terms before proceeding

No hidden underwriting by Capora; approval remains with the regulated partner

Best for: Users who want to compare partner-backed financial products in one place.

Platform Comparison

Capora vs. Doing It Yourself

See why people use Capora to manage credit improvement and discover partner-backed financial products in one place.

Feature	DIY	Capora Free	Capora Premium
Credit Score Access	✗ Manual request	✓ Instant	✓✓ All 4 bureaus
Error Detection	✗ Manual review	✓ AI scan	✓✓ Continuous AI
Dispute Filing	✗ Self-managed	✓ 2 disputes/mo	✓✓ Unlimited
Action Recommendations	✗ None	✓ Top 3 actions	✓✓ Full roadmap
Progress Tracking	✗ Manual	✓ Basic	✓✓ Advanced analytics
Expert Support	✗ None	✗ Community	✓✓ Priority support
Multi-Bureau Monitoring	✗	✗	✓✓ 4 bureaus
Score Simulator	✗	✗	✓✓ Unlimited