Most missed instalments are not a money problem. They are a timing problem: the due date landed before the salary did, or it landed on a month with three other outflows and nobody had counted them together. We map all of it, then keep reviewing it.
The problem
The first cost arrives immediately — a late-payment charge, a bounce fee, and penal interest on the amount you owe. That is the part people notice.
The second cost is quieter and much larger. Your lender reports the delay to the credit bureaus, and it stays on your report for years. Every lender you approach afterwards prices you slightly worse for it: a higher interest rate, a smaller sanction, or a flat decline.
Neither cost is really about affordability. Both are about not having a single view of what is due, when, and how much needs to be sitting in the account before it is.
See it for yourself
This is the conversation we have in the first session, in miniature. The point is not the exact numbers — it is how quickly a couple of slips reprice everything you borrow after them.
Tap any month to mark that instalment as missed. Everything on the right recalculates.
Illustrative score after these 12 months
A clean twelve months. This is the record that gets you the best rate a lender offers.
Illustrative only. These figures are a teaching model, not a quote, a credit score or an offer of credit. Real scores are calculated by the credit bureaus from data your lenders report; real eligibility is decided by the lender.
Know the instalment before you sign for it — and how much of it is interest.
The deliverable
How a session runs
Sessions are conducted remotely in English or Hindi. Nothing is recorded without your consent, and you never share a password, a PIN or an OTP with us.
You send us a short list of what you are servicing — lender, instalment, due date. No documents, no logins, no credit pull.
We build the calendar with you on the call, work out where the pressure points are, and size the set-aside against how your income actually arrives.
Within two working days you receive the calendar and the set-aside schedule in writing, with the high-risk months flagged.
On a plan, we check in before each high-risk month and adjust as your commitments change. Discipline is maintenance, not a one-off fix.
One scheduled session with a consultant plus the written plan that follows it. Paid once, in advance. Not a subscription, not a deposit, and not refundable once the session has been delivered — see the refund policy.
Taking all three services? Plan 49 and Plan 99 bundle them monthly from ₹49.
Straight answers
No. We never handle your instalment money and we do not lend. You pay your lenders directly, exactly as you do now. What we sell is the planning and the consulting around it.
No, but the order in which you fix things matters. Bringing the right account current first, and then holding a clean run of payments, is what rebuilds the record. We will be honest with you about how long that takes — usually months, sometimes years.
Never. We do not ask for net-banking credentials, card details, PINs or OTPs, and we have no way to move money in or out of your accounts. Anyone claiming otherwise in our name is committing fraud.
A reminder tells you a payment is due today. The problem is usually a fortnight earlier, when the money that should have been reserved was spent. Our plan works backwards from the due date to the day you get paid.
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.
Also available
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.
One call, a clear picture of where you stand, and a written plan you can actually follow.