We say what we cannot do
No promised scores, no guaranteed approvals, no "credit repair". If a thing is not possible, we will tell you it is not possible before you pay us.
About us
Kist means instalment. Getting it right is the whole company.
Bharat Kist exists because the most damaging financial mistake ordinary borrowers in India make is also the most avoidable one: an instalment missed not for want of money, but for want of a plan.
Why we exist
The gap nobody was filling.
There is no shortage of people in India willing to give you credit. There is a serious shortage of anyone willing to sit down and explain what servicing it well actually requires — before it goes wrong rather than after.
Banks are not incentivised to. Loan aggregators are paid when you borrow, not when you repay well. And the "credit repair" industry that fills the vacuum sells a fix that does not exist, to people who can least afford to buy it.
So we built the boring version: consulting that is paid for by the person receiving it, gives them a plan they can hold in their hand, and refuses to promise anything it cannot deliver.
The name
Bharat Kist
Kist — क़िस्त — is the word for an instalment, used across most of India long before "EMI" was. It is the unit our whole service is built around: one instalment, paid on time, repeated until it becomes a record worth having.
Operated by LAST FLIGHT SOLUTION LIMITED,
a Public Limited Company incorporated in India on 14 February 2026.
CIN U96090UT2026PLC020874 · GSTIN 05AAGCL7359E1ZF.
Full statutory details are on the
Contact page.
How we work
Four commitments we would rather be held to than admired for.
We never touch your money or your logins
We hold no client funds and we have no access to any account of yours. Nobody here will ever ask you for a password, a PIN or an OTP.
We take nothing from lenders
No commissions, no referral fees, no revenue share. Our only income is the fee you pay, which is the only way our advice can be worth anything.
We leave you able to do it yourself
Every session ends in something written down. The aim is that you eventually need us for review rather than for rescue.
Who we are for
- Salaried borrowers servicing more than one instalment
- Self-employed people whose income arrives unevenly
- First-time borrowers who have never seen a credit report
- Anyone who has already slipped and wants an honest recovery plan
- Families who want one shared view of what the household owes
Who we are not for
- Anyone looking for a loan — we do not provide or arrange them
- Anyone wanting negative entries deleted from a credit report
- Anyone who wants a guaranteed score or a guaranteed approval
The services
Three services, and a deliberately short list.
We would rather do three things properly than list twelve. Each is a scheduled session plus a written plan, priced up front.
- Never Miss an EMI — A structured consulting programme that maps every EMI you owe, tells you exactly how much to keep aside and by when, and reviews your due-date calendar with you month after month. Read more →
- Credit Score Consulting — A guided session on what a credit score actually is, which of your habits move it, how the four scoring factors are weighted, and what a realistic improvement path looks like for your situation. Read more →
- Loan Readiness — Consulting on how a clean, on-time repayment record compounds into better borrowing outcomes — and how to present that record when you next approach a lender. Read more →
The network
We do not give the advice. We are accountable for it.
Bharat Kist is a marketplace. The sessions are delivered by independent Experts — consultants with real experience in retail lending, credit and financial counselling — and our job is to make sure the person on the other end of that call has earned the right to be there.
What we take responsibility for
- Verifying every Expert’s identity, PAN and bank account before they are listed
- Reviewing their qualification and experience by hand — not by algorithm
- Telling you who you are booked with, and what they are qualified in, before you pay
- Forbidding lender commissions, and removing anyone who takes one
- Handling every complaint ourselves, so you never chase an Expert for anything
Our board
- Saurabh Chaudhary
Managing Director · Uttarakhand - Ishaq Ali
Director · Uttar Pradesh - Deepak Kumar
Director · Uttarakhand
As recorded with the Ministry of Corporate Affairs and on our GST registration. Saurabh Chaudhary is also our Grievance Officer & Managing Director.
In their words
What clients say.
I had four loans running and no single place that told me what was due when. The calendar we built in the first session is the reason I have not missed one since.
R
Rakesh M.
Nobody had ever explained to me why my score was stuck. Turned out it was card utilisation, not my EMIs at all. Obvious once it was pointed out.
S
Sneha K.
They were straight with me: no promises about the score, just what to do for the next six months. The bank approved my top-up in the seventh.
I
Imran S.
Client experiences shared with permission; names shortened at their request. Individual outcomes vary — we do not promise a score or an approval.
Bharat Kist is a consulting and financial-literacy service. We are not a bank, an NBFC, a lending platform or a credit bureau. We do not lend money, accept deposits, broker loans, or alter anyone's credit report. What we provide is guidance, planning and education.
Talk to us before you decide.
Tell us what you are servicing. If we are not the right thing for you, we will say so — that conversation is free.