B Credit-Credit Score & Health

B Credit is your all-in-one credit score monitoring, financial wellness, and utility application designed to help you track credit health, compare financial products, and plan your financial journey. IMPORTANT REGULATORY DISCLAIMER - NOT A LENDER: - B Credit is an educational credit health, score analytics, and financial calculator utility platform. - B Credit is NOT a bank, direct lender, or Non-Banking Financial Company (NBFC) and DOES NOT disburse loans or make credit decisions directly. - Zero Loan Guarantees: All loan evaluations, approvals, sanctions, and disbursals are at the sole discretion of RBI-licensed partner banks and NBFCs. - 100% Free Marketplace: B Credit never charges users any fees or commissions for checking eligibility or viewing loan offers. KEY FEATURES AND IN-APP FUNCTIONALITY: 1. Credit Score Tracking & Health Insights - Monitor your credit score and track changes over time. - View key factors affecting your credit score: payment history, credit utilization, credit age, active accounts, and credit inquiries. - Download and view your detailed credit health summary. 2. Credit Education & Dispute Guidance - Understand your credit report with clear explanations of bureau terms. - Step-by-step assistance and guidance on raising disputes with credit bureaus for incorrect or outdated report entries. - Actionable tips to improve credit habits and build a 750+ credit score. 3. Partner Loan & Credit Card Marketplace - Browse and compare personal, business, home, and vehicle loan offers from RBI-licensed banks and NBFC partners. - Check pre-qualified eligibility with zero impact on your credit score. - Compare interest rates, processing fees, and flexible repayment tenures across multiple lenders. 4. Smart Financial Planning Calculators - Loan EMI Calculator: Calculate accurate monthly installments, interest breakdown, and amortization schedules. - Loan Eligibility Calculator: Estimate your maximum borrowing capacity based on monthly income and current obligations. - Balance Transfer Calculator: Calculate total interest savings when transferring existing high-interest loans. - Debt-to-Income (DTI) Calculator: Measure your monthly debt burden to maintain a healthy financial balance. - Credit Score Simulator: Model how new inquiries, timely payments, or debt settlements could affect your credit score. - SIP & Wealth Calculator: Plan mutual fund investments and project long-term compound wealth growth. - IFSC & Bank Branch Finder: Instant search for Indian bank branches, IFSC codes, and MICR details. 5. AI Financial Assistant & Live Support - In-app AI advisor to help answer queries regarding credit factors, dispute procedures, and calculator usage. - In-app support desk with ticketing, direct calls, and live assistance. 6. Bank-Grade Security & Privacy - 256-bit TLS encryption protects all data transmitted between your device and our servers. - Your personal information is kept strictly confidential and is never sold to third-party telemarketers. REGULATORY LOAN DETAILS & TRANSPARENCY: For loan products facilitated through RBI-licensed partner banks and NBFCs: - Repayment Tenure: Minimum 3 months (90 days) to Maximum 60 months (5 years). - Annual Percentage Rate (APR): Ranges from 10.5% to 24% per annum depending on individual credit profile and lender terms. - Processing Fee: Ranges from 1% to 3% of the loan amount plus applicable GST. - Representative Example: For a loan of INR 1,00,000 borrowed for 12 months at an interest rate of 14% APR with a processing fee of INR 1,000 (1%): - Monthly EMI: INR 8,979 - Total Interest Payable: INR 7,745 - Total Processing Fee: INR 1,000 - Total Amount Repayable: INR 1,08,745 - Total Cost of Loan: INR 8,745 Note: Actual terms, interest rates, and loan disbursal are subject to the lender's credit policy and approval.