Smarter money decisions, all in one place.
Check your credit health, compare loan and card offers from trusted partners, and plan with calculators built for India.
- Direct links to lenders
- Your score check never leaves your device
- Clear partner disclosure
What do you need?
Pick a category to see partner offers or get matched for free.
Compare offers
Partner offers. Final approval, rate and terms are decided by the lender.
Credit health check
Answer 5 quick questions for an indicative view of where your credit stands. Nothing is stored or sent anywhere.
This is an estimate for guidance only, not your real credit score. Real scores are calculated by credit bureaus.
Get your official report
Under RBI rules you can get one free full credit report every year from each credit bureau. Checking your own score does not lower it.
Official bureau websites. These are not affiliate links.Finance calculators
Instant results, charts and no sign-up.
Results are estimates based on the numbers you enter. Actual figures depend on your lender or bank.
Money basics, explained simply
Short answers to the questions we hear most.
What is a good credit (CIBIL) score in India?
Scores range from 300 to 900. 750 or above is excellent and gets the best loan and card terms. 650–749 is good, 550–649 is fair and below 550 needs work. Most lenders prefer 700+.
How can I improve my credit score?
Pay every EMI and card bill on time, keep card usage below 30% of the limit, avoid applying for many loans at once, keep old accounts open and check your report for errors. Improvement usually shows in 3–6 months.
Do loan enquiries reduce my credit score?
When a lender checks your report for a loan application (a hard enquiry) your score can dip slightly for a few months. Checking your own score is a soft enquiry and does not reduce it.
How is EMI calculated?
EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is the loan amount, r is the monthly rate (annual rate ÷ 12 ÷ 100) and n is the number of months. Try it in the EMI calculator above.
What is the difference between FD and RD?
An FD is a one-time deposit for a fixed period. An RD lets you deposit a fixed amount every month. Both earn a fixed interest rate, so RD suits regular savers and FD suits lump sums.
SIP or lump sum: which is better?
A SIP invests a fixed amount monthly and averages your cost over time, which suits regular income. A lump sum suits money you already have and can leave invested for years. Market-linked returns are never guaranteed.
Is Toolzbox a bank or a lender?
No. Toolzbox is an information and comparison platform. We do not lend money or sell insurance. When you click an offer you go to the partner's own website, and the partner decides approval, rate and terms.
Does Toolzbox earn money from offers?
Yes. We may earn a commission when you apply through a link marked as a partner offer. It costs you nothing extra, and our calculators and guides are never changed by it.
Disclosure & grievance
Toolzbox is an information and comparison platform. It is not a bank, NBFC, insurance company or registered investment adviser. Offers marked as partner offers are provided by third parties, and Toolzbox may earn a commission if you apply through them, at no extra cost to you. Interest rates, fees and eligibility are indicative and set by the lender; please read the loan agreement and Key Fact Statement before you accept. Mutual fund investments are subject to market risks. Insurance is the subject matter of solicitation.