🇮🇳 India's #1 AI Credit Repair Platform
Fix Your CIBIL Score
with AI Power
Wrong loans, incorrect DPDs, unresolved settlements — identify every error in your credit report and dispute them automatically with RBI-compliant letters.
50,000+
Credit reports analysed
₹12Cr+
Wrong debts disputed
+87 pts
Avg score improvement
What We Do
Everything to repair
your credit
From report upload to resolved dispute — the complete AI-powered toolkit for Indian credit repair.
📊
Smart Report Analysis
Upload your CIBIL, Experian, Equifax or CRIF report. Our AI parses every account, flags errors, and categorises issues automatically.
⚡
5 Dispute Categories
Wrong loan, incorrect DPD, settlement, written-off, KYC mismatch — we cover every error type under RBI Master Directions.
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AI Dispute Letters
Generate legally correct bank complaint and bureau dispute letters in seconds — citing CICRA 2005 and RBI guidelines. PDF + email format.
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Score Tracker
Track your score across all 4 bureaus over time. View improvement factors, set goals, and see AI-projected score in 6 months.
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Document Vault
Securely store NOCs, bank statements, receipts, and court orders. AES-256 encrypted. Link evidence directly to your disputes.
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Smart Alerts
Get notified via SMS and email when issues are resolved, subscription is expiring, or your score changes. Never miss a deadline.
The Process
How it works
Start fixing your credit in under 10 minutes.
1
Sign Up Free
Create your account with mobile OTP. No credit card needed. Takes 60 seconds.
2
Upload Your Report
Upload your credit report PDF. Our AI scans every line and flags errors instantly.
3
Raise Disputes
Select the error type, fill details, and generate your RBI-compliant dispute letters.
4
Track & Win
Monitor resolution progress. Get notified the moment your dispute is resolved.
Dispute Types
Every error covered
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KYC Mismatch
21-day SLA
Real Results
What our users say
★★★★★
"A wrong loan from some bank I never heard of was showing in my CIBIL. Indiokona generated the dispute letter in 2 minutes. Resolved in 28 days!"
RS
Rahul Sharma
Delhi · CIBIL: 738 → 778
★★★★★
"My Experian report showed 3 months DPD on a home loan I had paid on time. The AI letter cited exact RBI sections. Bureau corrected it within 3 weeks."
PM
Priya Menon
Mumbai · Score: +54 pts
★★★★★
"I was rejected for a home loan because of a 'written-off' tag from 6 years ago. Indiokona helped me raise the dispute and get it cleared. Loan approved!"
AK
Amit Kumar
Bangalore · Loan ₹65L approved
Start fixing your
credit today
Join 50,000+ Indians who've improved their credit score with Indiokona Credit Doctor AI.