01
信用报告查询 | Credit Report Check
完整信用报告一键获取，附带人话版解读。
Pull your full report and actually make sense of it.
Built for India · Free Credit Insights
MeraCash — Know your credit score, know your power.
中文：MeraCash —— 免费查印度信用分，财务状况自己说了算。
English: MeraCash gives you the clearest picture of your financial health. Check your credit report, understand your borrowing power, and calculate EMIs — no fees, no fluff, just facts.
Credit report
查完整信用报告，还能看懂重点。
Borrowing power
收入、负债、可贷额度一眼清楚。
EMI clarity
不同贷款方案直接横向对比。
App Intro
See your financial reality clearly — then make smarter moves.
中文：MeraCash 是一款专门为印度用户做的免费信用报告工具。查分、看报告、测还款能力、算月供，一个App全搞定。帮你把财务底细看清楚，借钱花钱不踩坑。
English: MeraCash gives you the clearest picture of your financial health. Check your credit report, understand your borrowing power, and calculate EMIs — no fees, no fluff, just facts.
Product Features
Three tools. One app. Zero guesswork.
从查信用，到看财务能力，再到算贷款月供，MeraCash 把最关键的事放在一个清楚、直接、免费可用的体验里。
02
财务能力分析 | Financial Capacity Analysis
收入多少、负债多少、还能贷多少，算得明明白白。
See what you earn, what you owe, and what you can safely borrow.
03
贷款月供计算 | Loan EMI Calculator
不同贷款方案，月供直接比，选最划算的那个。
Run different loan scenarios and pick the one that fits your pocket.
Why MeraCash
Fast, free, and built to earn trust.
金融工具不该复杂，也不该躲着藏着收费。这个方向我做成了更像转化型官网该有的节奏：先建立信任，再讲能力，再讲安全。
₹
完全免费 | Completely Free
查报告不要钱，也没有任何隐藏费用。
Zero rupees. Zero surprises. Just free access.
⚡
快速准确 | Fast & Accurate
几分钟出结果，不等不拖，靠谱好用。
Fast enough for real life. Accurate enough to trust.
🔒
安全加密 | Secure Encryption
你的信息，全程加密，除了你谁也看不到。
Your data stays yours — locked down tight from the moment you sign in.
Simple 3-Step Flow
📲 简单三步，获取信用报告
没有绕路，没有复杂表单。就是一个清楚、快速、适合转化的 onboarding 逻辑。
1
下载应用 | Download the app
下载应用，准备开始你的免费信用查看。
Install MeraCash and start your free credit check in minutes.
2
填基本信息 | Tell us a little about yourself
填写基础资料，用来生成更准确的财务分析结果。
Share a few basic details so we can build a clearer picture of your credit profile.
3
看信用报告 | See your credit report instantly
报告、能力分析、EMI 对比，一次看全。
View your report, financial capacity insights, and EMI options instantly.
About Us
Built by a fintech team that hates confusion.
关于公司和愿景这部分，我做成更可信的“品牌说明区”，不只是堆文案。
公司介绍 | Company Introduction
MeraCash 由 KALAVRITI PRIVATE LIMITED 运营。我们是一帮做金融科技的人，只想给印度用户做一件简单的事：让信用管理和财务分析，不再麻烦、不再贵、不再看不懂。
MeraCash is built by KALAVRITI PRIVATE LIMITED. We’re a fintech team on a simple mission — make credit management and financial analysis effortless, affordable, and actually useful.
公司愿景 | Our Vision
我们想让每个普通人都能看懂自己的信用，用好自己的信用。信用不该是少数人的特权。
We believe good credit shouldn’t be a mystery or a privilege. Our vision is to put financial power back where it belongs — in your hands.
什么是良好的印度信用评分 | Good Credit in India
印度信用分通常从300到900。750分以上算“优秀选手”，贷款时更容易拿到低利率和好条件。
In India, 750+ is the magic number. Hit that, and lenders are more likely to offer you lower interest rates and better terms.
Q&A
Questions people actually ask before they trust a credit app.
我把这块保留成清晰 FAQ 区，兼顾用户信任和 Google Play 审核常见关注点。
如何提高我的信用评分？ | How can I improve my credit score?
账单别拖、月供别晚；信用卡别刷太狠；别隔三差五就申请贷款或信用卡。
Pay on time, keep your credit card balance low, and don’t go on an application spree. Small habits, big changes.
查询信用报告会影响我的信用分吗？ | Will checking my credit report affect my score?
一点都不会。你自己查属于“软查询”，就像照镜子，镜子不会改变你的样子。
Nope. Self-checks are soft inquiries. They’re like looking at your own report card — it doesn’t change the grade.
信用评分的正常范围是多少？ | What is the normal range for a credit score?
300–900之间，越高越好。600多分算一般，700以上算不错，750以上就稳了。
300 to 900. Think of it this way: below 600 needs work, 700+ is solid, and 750+ is where lenders smile.
信用报告多久更新一次？ | How often is my credit report updated?
大约一个月更新一次。常回来看看，别错过变化。
Roughly once a month. Check in regularly so you’re never out of the loop.
贷款申请被拒的常见原因有哪些？ | What are common reasons for loan rejection?
分太低、债太多、收入证明不够硬、或者申请表填得有问题。
Low score, high debt, weak income proof, or even small mistakes on your application — these trip people up all the time.
MeraCash 安全可靠吗？ | Is MeraCash safe and trustworthy?
安全。银行级别的加密，不是随便说说的那种。
100% secure. We use bank-grade encryption — not a marketing line, but real protection.
Privacy Policy
Privacy Policy
完整隐私协议已放入页面，方便直接交付或继续拆成独立页面。
MeraCash (hereinafter referred to as "the App", "we" or "our company") highly values your privacy and information security. This Privacy Policy explains how we collect, use, store, protect, and share your information when you use our App. Please read this policy carefully before using the App.
1. Introduction
MeraCash is a credit reporting and assessment app designed for users in India to help you understand your credit status and financial health. We are committed to respecting your privacy and strictly complying with relevant laws and regulations and Google Play policies.
This Privacy Policy applies to all information we collect during your use of MeraCash, including but not limited to device information, SMS data, installed app list, camera data, and location information. By using the App, you agree to all the terms set forth in this Privacy Policy.
We recommend that you review this policy periodically to stay informed about how we protect your information. If you have any questions about this policy, please feel free to contact us.
2. Information We Collect
SMS Permission: When you use the credit assessment or income analysis functions, we will request to read SMS messages related to financial transactions (including sender, time, and content). We will analyze this information using intelligent algorithms to improve the accuracy of credit assessment and repayment ability judgment. This information will be encrypted and uploaded to https://data.kalavritipri.com, deleted immediately after the assessment, and will not be stored or retained in any way, nor will it be disclosed to any third party. This permission is not mandatory; you can choose to refuse, and it will not affect the use of other functions.
Call Record Permission: If you choose to complete the registration or login process via voice verification, we will temporarily access and upload some of your recent call records to a secure server (https://data.kalavritipri.com) to ensure your SIM card can receive voice verification codes normally and to prevent potential fraud risks. Please rest assured that we will not collect all your call records and will do our best to protect your privacy and security.
Installed App List Permission: To further analyze your spending patterns and improve the accuracy of credit assessment, we will collect information on the financial applications installed on your device. This data will be encrypted and uploaded to our secure server (https://data.kalavritipri.com), and deleted immediately after analysis. We are committed to protecting your privacy; denying this permission will not affect the normal operation of the application, and you can decide whether to grant it.
Camera Permission: To facilitate your uploading of your personal bank credit report, we will request access to your device's camera. The uploaded files will be used to assess your income and credit status. These files will be encrypted and uploaded to our secure server (https://data.kalavritipri.com), and deleted immediately after the assessment. We are committed to always protecting your privacy and information security. This permission is not mandatory.
Location Permission: To better provide you with personalized services and enhance account security, we will collect your approximate location data. This information is mainly used for regional analysis and fraud prevention, and will be encrypted and uploaded to our secure server (https://data.kalavritipri.com). It will be deleted immediately after analysis. We fully respect your privacy; denying this permission will not affect the normal use of the application. You are free to choose whether to grant it.
Device Information Permission: To ensure the security and legality of our product use, we collect device-specific information, including SAID, IMEI, hardware model, and Android system version. This data is used for device identification and fraud prevention and will be encrypted and uploaded to our secure server (https://data.kalavritipri.com). We will never share your data with any third party without your explicit consent. Denying this permission will not affect the normal use of the application.
3. Use and Processing of Information
The information we collect will be used for the following purposes: credit assessment and income analysis; providing more accurate credit scores and financial analysis results; completing account security verification and fraud prevention; optimizing application functionality and user experience; and complying with relevant legal and regulatory requirements.
In addition, we may use aggregated anonymized data for internal research and service improvement, but this data cannot identify you personally. We will never use your personal information for advertising, sell it to third parties, or share it with unauthorized third parties.
If we need to use your information for any other purpose not specified in this policy, we will obtain your explicit consent in advance.
4. Information Storage and Protection
We are committed to taking reasonable measures to protect your information security, including: encrypting data during transmission (using HTTPS/TLS protocol); storing data on secure servers with strict access control; encrypting sensitive information; regularly reviewing and updating security measures; and establishing a dedicated data security team to oversee privacy protection related work.
We will not retain information for longer than necessary to achieve the purpose for which it was collected. For information collected based on permissions (such as SMS messages, call logs, etc.), we will delete it immediately after evaluation. For account-related information, we will delete it within a certain period after you cancel your account, unless laws and regulations require us to retain it for a longer period.
While we strive to protect your information, no network environment can be absolutely secure. We will continue to take all reasonable precautions to ensure the security of your data. In the event of a data security incident, we will promptly notify you and take appropriate remedial measures in accordance with laws and regulations.
5. Your Rights
Regarding your personal information, you have the following rights: Right of Access, Right of Correction, Right to Erasure, Right to Refuse Authorization, Right to Withdraw Consent, and Right to Complain. To exercise the above rights, please contact us using the contact information below. We will respond within 15 business days of receiving your request.
6. Sharing and Disclosure of Information
We will only share or disclose your information in the following limited circumstances: with your explicit consent; as required by laws and regulations; or to protect legitimate rights and interests, public safety, and the rights of MeraCash users.
We will not sell your personal information to any third party, nor will we use it for any commercial purpose other than those stipulated in this policy.
7. Children's Privacy
MeraCash does not provide services to minors under the age of 18. We do not knowingly collect personal information from minors. If we discover that we have unintentionally collected information from a minor, we will delete the relevant data as soon as possible.
8. Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in service content or laws and regulations. For significant changes, we will notify users through in-app notifications, pop-up prompts, or other appropriate means. We will indicate the most recent update date of this policy at the top of this page. Your continued use of this application indicates your acceptance of the updated Privacy Policy.
If you do not agree to the updated policy, you should stop using MeraCash and contact us to delete your relevant information.
9. Contact Us
If you have any questions about this Privacy Policy or how we handle your information, or if you wish to exercise your privacy rights, please contact us through the following methods:
Email: help@kalavritipri.com
Business Hours: Monday to Friday, 9:00 AM – 6:00 PM
We are committed to taking every feedback seriously and answering your questions as soon as possible.