Kaapi
Your credit score, sorted over a kaapi.
Upload your credit report 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.
Upload your credit report PDF 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. In the app and on WhatsApp.
Trends over time
Upload a fresh 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.
Sara on WhatsApp
Message Sara on WhatsApp, send your credit report PDF right in the chat, voice notes work too, and get the same plain-language insights, fixes and dispute drafts. She asks your permission before reading anything.
Three steps. Five minutes.
Get your free report
Download your free credit report from your bureau’s website, it arrives as a PDF. Checking it yourself never lowers your score.
Upload it to Kaapi
Upload the PDF in the app, or send it to Sara on WhatsApp. Password-protected PDFs are handled. Kaapi reads it once and turns it into clear insights.
Lift it with Sara
See what’s helping and hurting your score, fix report errors with drafted disputes, and follow Sara’s plan, one step at a time.
Your credit report is personal. We treat it that way.
Kaapi reads only what you give it, and your data is never sold.
- You upload the report, nothing is pulled without you
- The PDF is read once and not kept
- 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. Upload your credit report and 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 or on WhatsApp.
How do I get my credit report into Kaapi? +
Download your free credit report from your bureau’s website, it arrives as a PDF. Upload it in the app’s Credit tab, or simply send the PDF to Sara on WhatsApp. Password-protected PDFs are handled too.
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? +
Your report is read once to build your insights; the PDF itself isn’t kept. Your data powers your own experience and is never sold. On WhatsApp, Sara asks for your explicit consent before reading anything.
Is Kaapi free? +
Yes, Kaapi is free during early access, on iOS, Android, and WhatsApp.
Get Kaapi before everyone else.
Launching this week on iOS and Android, with Sara on WhatsApp. Join the waitlist and we’ll send you the links the moment they’re live.