Three services, each a scheduled session with a consultant followed by a written plan you keep. We take no commission from any lender, we hold none of your money, and there is nothing to sign beyond the session itself.
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.
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.
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.
Side by side
| Never Miss an EMI | Credit Score Consulting | Loan Readiness | |
|---|---|---|---|
| Best for | Anyone servicing more than one instalment | Anyone whose score is lower than expected | Anyone borrowing in the next 1–3 years |
| Session length | 45–60 minutes | 45–60 minutes | 45–60 minutes |
| Written deliverable | EMI calendar + set-aside schedule | Six-month score roadmap | Readiness checklist + document list |
| Follow-up review | Before each high-risk month | At each roadmap checkpoint | Before you actually apply |
| One-off price | ₹199 | ₹299 | ₹499 |
| Included in Plan 49 | Yes | Basics only | No |
| Included in Plan 99 | Yes | Yes, in full | Yes |
Not sure? Start with Never Miss an EMI — it is the one that changes the most, the fastest.
What we are not
Being explicit about this is the whole basis of the relationship, so it is worth stating plainly rather than burying it in the terms.
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.
Everything on this site is coming to the Bharat Kist app — your EMI calendar, your session history, your written plans, and a reminder before every due date.
Not published yet — tap a badge and we will tell you what happens next. The website is fully usable in the meantime.
Tell us what you are servicing and what you are planning. We will tell you which session is worth your money — including if the answer is none of them yet.