- No money from anyone we write about: no ads, no affiliate commissions, no sponsorships, no referral fees. If that ever changes, this page will say so.
- We never name a "best" card or lender, and no product mentioned here pays to be mentioned.
- No login, no account, no data selling. Questions you ask the chat helper are used to answer you, not to profile you.
- The site is open about what it is: an education project, not a business.
About this site
Who runs NewToCredit.in — and why it is free
NewToCredit.in is built and maintained voluntarily by Saradhi, who has spent 20+ years working in India's banking and financial services (BFSI) sector, on personal time and at personal cost. It earns nothing: there are no ads, no affiliate links, no sponsored placements, and no partnerships with any lender.
It exists for one reason — most of what a first-time borrower in India reads about credit is written by someone trying to sell them something. After two decades inside the industry, watching how first-timers get sold to instead of taught, this site is the version with nothing to sell.
Why this site exists
If you are opening your first credit card or taking your first loan, your information usually comes from a lender's marketing page, a commission-driven comparison site, or a loan app of unknown legitimacy. In English. For crores of people, none of that is neutral, and much of it is not even in their language.
This site tries to be the neutral first stop: what credit is, how scores actually work under RBI's rules, which first products are safe, and how to spot the ones that are not — in English, Hindi, and Hinglish.
How it stays honest
Where the information comes from
- RBI's published rules and circulars — for example the digital-lending guidelines, the Key Fact Statement requirement for loans, and the free-annual-report obligation on credit bureaus.
- The four RBI-licensed credit bureaus' own documentation (TransUnion CIBIL, Experian, Equifax, CRIF High Mark).
- Helpline numbers are verified before they are listed, and pages are corrected whenever a rule or number changes.
- Plain-language simplification is ours; the underlying facts are always checkable at the source.
What this site is not
- Not an RBI-regulated entity, bank, NBFC, lender, or DSA.
- Not a financial adviser — nothing here is advice for your specific situation.
- Not a marketplace: we do not process applications, share your details with lenders, or earn from anything you apply for.
- Always verify final terms with the provider before applying anywhere.
Corrections and contact
Found a mistake, an outdated rule, or a dead helpline number? Please write to contact@newtocredit.in — corrections are taken seriously and fixed fast. For privacy questions, use privacy@newtocredit.in.
Credit Help
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Guide
Ask in English, Hindi, or Hinglish about credit, EMI, CIBIL, cards, loans, or the safest next step.
Tip: ask about your goal, such as buying a car, building a score, or checking whether an EMI is safe.