Your EMI calendar
Every loan, card and instalment in due-date order, with the amount to keep aside and the day to keep it aside by.
Coming soon
The Bharat Kist app is on its way.
Everything on this website, plus the one thing a website cannot do — reach you the week before an instalment is due, while there is still time to do something about it.
Neither store listing is live yet — tapping a badge tells you what happens next rather than sending you to a page that does not exist.
- Free with any plan or session
- Android first, iPhone to follow
- No account access, ever
Good evening,
Ananya
Set aside this month
₹24,800
Home loan · ICICIDue in 4 days
ON TRACK
Car loan · HDFCDue 12 Sep
PLANNED
Score check-inMonthly review
NEW
Consulting sessionFri, 6:30 PM
BOOKED
What it does
Four things, done properly.
The app is not a second product. It is the same consulting relationship, carried in your pocket between sessions.
Reminders that arrive early
Timed to your salary date rather than the lender’s due date, so the money is reserved while it still exists.
Score literacy, built in
The same four-factor explainer as the website, kept current with what your own behaviour is doing to each factor.
Book and review sessions
Your consultant, your session history and every written plan we have given you, in one place.
Where it is
Honestly: it is not finished.
We would rather tell you that than put a fake "Download" button on this page. Here is roughly where things stand.
1
Design and build
The app shares its design system with this website, so the calendar, the score dial and the plans look and behave the same in both places.
2
Internal testing
Running against real consulting workflows, on real devices, before anyone outside sees it.
3
Store review
Google Play first. Financial-category apps get a longer review, which is exactly why we are not announcing a date.
4
Launch
Everyone who has asked to be told gets an email and an SMS on the day, with the store link.
App questions
What people ask about it.
We are not announcing a date until the build has cleared store review, because a date we miss is worse than no date at all. Leave your number on the contact page and we will tell you the day it goes live.
No. The app is included with any plan or session at no additional charge. Pricing does not change because you use a phone instead of a browser.
Android first, with the iPhone build following. The codebase is shared, so the gap between the two should be weeks rather than months.
Yes. Every service, every plan and every payment works on this website today. The app adds convenience — reminders, your calendar in your pocket — not capability.
Notifications, so we can remind you before a due date. Nothing else is required. The app will never ask for your net-banking credentials, card PIN or an OTP, and it cannot move money.
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. The app will not change that in any way.
You do not have to wait for the app.
Every service, plan and payment works on this website today. Book a session now and the app will simply show up in it later.