Questions, answered plainly.
If something here is still unclear, write to us. We would rather answer it before you pay than after.
About the service
A consulting service that helps borrowers in India keep every EMI on time, understand their credit score, and build the repayment record that gets them better loan terms.
No. We do not lend money, we do not arrange or broker loans, we do not accept deposits, and we are not a bank, an NBFC or a credit bureau. We sell consulting time.
Bharat Kist is a brand operated by LAST FLIGHT SOLUTION LIMITED, a Public Limited Company incorporated in India on 14 February 2026 with CIN U96090UT2026PLC020874 and GSTIN 05AAGCL7359E1ZF. The registered address and all statutory identifiers are in the footer of every page and on the Contact page.
An independent verified Expert. Bharat Kist is a marketplace: we set the standards, verify and list the Experts, take your payment, schedule the session, handle support and complaints, and pay the Expert afterwards. The advice itself comes from a consultant with real experience in retail lending, credit or financial counselling — and we tell you their name, qualification and experience before you book.
In India. Sessions are conducted remotely in English or Hindi, over a scheduled phone or video call.
Sessions and plans
Consulting sessions and the written plans that come out of them. A one-off consultation is a single scheduled session on one service. Plan 49 and Plan 99 bundle sessions monthly along with the supporting material.
Between 45 and 60 minutes. The written plan follows within two working days.
Yes. Tell us at least 24 hours before the scheduled time and we will move it at no charge.
No. Unused sessions in a month do not roll into the next one. If a month is going to be difficult, tell us in advance and we will reschedule rather than let it lapse.
Write to our support email. Cancellation stops the next renewal; you keep access for the remainder of the period already paid for. See the Refund & Cancellation page for the full terms.
Money and payments
UPI, debit cards, credit cards, net banking and popular wallets, through a PCI-DSS compliant payment gateway. We never see or store your full card details.
Yes. Every price shown is in Indian Rupees and inclusive of applicable taxes, itemised on the invoice you receive after payment.
No. Nothing you pay us is a deposit or a balance. Fees are consideration for a consulting service and are used the moment the service is delivered.
No. We receive no commission, referral fee or revenue share from any bank, NBFC or financial product provider. Our only income is the fees you pay us.
A session cancelled at least 24 hours in advance is refunded in full. A delivered session is not refundable. Approved refunds are returned to the original payment method within 5–7 business days. Full terms are on the Refund & Cancellation page.
Credit scores and outcomes
No, and be wary of anyone who does. Your score is calculated by the bureaus from data your lenders report. We explain the mechanism and help you build the habits that support a better score. The outcome depends on your own behaviour over time.
No. Accurate information cannot be removed by anyone. If an entry is genuinely wrong you can dispute it with the bureau yourself at no cost, and we will show you exactly how.
No. Hard enquiries are recorded when a lender checks your file for a credit application. We are not a lender and we make no enquiry of any kind.
No. Approval is the lender’s decision, on criteria we neither control nor see. What we can do is make sure nothing avoidable is working against you when you apply.
Experts and the marketplace
Every Expert has their mobile number, PAN and identity verified, and a penny-drop confirms the bank account they are paid into is theirs. Those checks run on Cashfree’s regulated verification suite. A person at Bharat Kist then reviews their qualification and experience by hand before they are listed. You see their name, qualification and experience before you book.
No, and they are contractually forbidden from being. An Expert must never recommend a specific lender or financial product, and must never accept a commission, referral fee or incentive from one. That rule is in the Expert Partner Terms and it is the one we enforce hardest — breaching it means immediate removal.
You get a full refund or a free re-booking, whichever you prefer. Raise it with us — you never have to chase an Expert for money. How it is settled between us and the Expert is our problem, not yours.
No, and you should refuse if asked. Every legitimate payment goes through the payment gateway on this website or in our app. An Expert asking to be paid directly, in cash, or to a personal account is breaching their agreement — please report it to us.
Yes, if you have at least three years of relevant experience and a verifiable qualification. You keep 75% of every session fee and are paid every Tuesday to a verified bank account, with no minimum and nothing carried forward. There is no joining fee, no listing fee and no exclusivity. Start on the "Register as an Expert" page.
Never. No registration fee, listing fee, training fee, subscription or payout charge. Anyone asking you to pay to join Bharat Kist is committing fraud — report it to us immediately.
Privacy and safety
Never. No one from Bharat Kist will ever ask for your net-banking password, card PIN, CVV or any OTP. If someone claiming to represent us asks for these, it is a fraud attempt — report it to us immediately.
From clients: your name, mobile number and email so we can contact you, and whatever you choose to tell us about your commitments during a session. Nothing more is required — buying a session does not need Aadhaar, PAN or bank verification. From Experts we collect more, because we have to verify and pay them. The Privacy Policy sets out both, separately.
No. We do not sell, rent or trade personal information, and we do not pass your details to lenders or any other third party for marketing.
Write to our support email from the address on your account and ask. We will confirm and act on it, subject only to records we are legally required to retain.
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.
Fraud warning. Nobody from Bharat Kist will ever ask you for a password, a card PIN, a CVV or an OTP, or ask you to install a screen-sharing app. We will never ask you to transfer money to an individual's account, and never charge a fee to join as an Expert. If you are contacted by someone doing any of this in our name, do not engage — report it to support@bharatkist.com.
Still not sure?
Ask us directly. A straight answer costs you nothing, and we would rather turn away a booking than take one that will not help you.