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A small, structured loan designed to help you build — or rebuild — your CIBIL score, with every on-time payment reported straight to the bureau.
If you've never taken a loan or credit card, you likely have no CIBIL score at all — not a bad one, just an absent one. Score Builder gives bureaus their first real data point on you, so future lenders have something to say yes to.
Missed a payment or two in the past and watching your score sit low? Score Builder adds a fresh, fully on-time repayment history that can help gradually offset the damage and move your score back up.
The process
Step 1
Tell us a little about your income and current credit situation — NTC or existing low score, either works.
Step 2
The amount is set aside against a fixed six-month schedule, so the repayment history it produces is predictable from day one.
Step 3
Each instalment is small and on a fixed date, with reminders before every one — the whole point is a run of payments you can actually keep.
Step 4
Each cycle is reported to the bureau, so the record builds while you repay rather than only at the end.
A good score isn't just a number — it's easier access, everywhere.
A healthier score means lenders trust you with less friction — quicker approvals, fewer rejections, less back-and-forth.
Higher scores typically qualify for lower rates on future loans, saving you money over the life of any loan you take next.
Once built, your credit history keeps working for you — for home loans, car loans, and beyond.
Credit cards and personal loans often come with better limits once your repayment history looks solid.
Score Builder is unsecured — you don't need to pledge any asset to start building your score.
Answers to the most common questions about our Infiney services, process and how we work with Customers.
Infiney's AI engine scans 50+ partners in real-time, matching your credit profile against thousands of offers. We negotiate the best rates on your behalf — often lower than what you'd get walking into a branch.
Yes. Your data is encrypted in transit and at rest, used only to fetch and compare offers with your consent, and never sold to third parties. You can withdraw consent and request deletion at any time.
Yes. Loan Switch compares your current rate against live partner offers, shows the exact EMI and lifetime savings, and handles the balance-transfer paperwork digitally end to end.
PAN, Aadhaar-based KYC, and recent bank statements or salary slips cover most applications. The exact checklist appears in-app once you pick a product — everything is uploaded and e-signed online.
No. Eligibility checks use a soft bureau pull, which is never reported to lenders and has no effect on your credit score. A hard enquiry happens only if you go ahead with an application.
