India's AI-powered financial platform for credit improvement, partner-backed loan discovery, and insurance referrals. We help you understand, monitor, and move forward with personalized guidance.
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.
📊 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.
Credit Score
742
▲ +12 this month
● All Bureaus Synced
+87This Year
850Your Goal
✓Score Updated!
CIBIL: 742 (+5)
just now
🎯 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.
Payment
History
History
Report
Errors
Errors
Utiliz.
Rate
Rate
New
Inquiries
Inquiries
Credit
Age
Age
Credit
Mix
Mix
AI
Brain
Brain
Your Plan
✓✓✓
✓✓✓
💡 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.
Utilization Before vs. After
BEFORE
Card A
78%
Card B
62%
Card C
45%
Overall:
AFTER
Card A
25%
Card B
18%
Card C
29%
Overall:
Estimated Score Impact
+45 points
in 1–2 billing cycles
🛡️ 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.
CREDIT REPORT
DISPUTE LETTER
✓ Sent to CIBIL
30 Days Later
Error Removed
+28 pts
🔔 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.
March 2025
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Card due
EMI due
Today
🔔 REMINDER
HDFC Card Due
3 days remaining
₹4,250
Min: ₹425
✓ PAID ON TIME
SBI Loan EMI
Streak: 18 months ✓
+Score protected
🔮 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.
Score Simulator — What If?
Current
690
→
Projected
748
+58 pts
Scenario: Pay down Card A to 20%
Impact: Utilization +32 pts · Dispute +18 pts · Inquiry ±0 → +58
🤝 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.
Partner Products
Loan Match
NBFCs, banks, eligibility-based
Insurance Match
Health, life, and general insurance
Consent-based referrals only
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Frelance
$19/mo
Best for new startups or businesses
with occasional in-person sales
with occasional in-person sales
Fully-furnished and serviced
Access break-out areas
Thousands of locations
Global transport hubs
24/7 Support Online
Startup
$49/mo
Best for new startups or businesses
with occasional in-person sales
with occasional in-person sales
Fully-furnished and serviced
Access break-out areas
Thousands of locations
Global transport hubs
24/7 Support Online
Frelance
$190/mo
Best for new startups or businesses
with occasional in-person sales
with occasional in-person sales
Fully-furnished and serviced
Access break-out areas
Thousands of locations
Global transport hubs
24/7 Support Online
Startup
$490/mo
Best for new startups or businesses
with occasional in-person sales
with occasional in-person sales
Fully-furnished and serviced
Access break-out areas
Thousands of locations
Global transport hubs
24/7 Support Online
Working with the most trusted brands in the industry
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 PremiumBest