Have a question after seeing your CIBIL report? AI Credit Chat in the True Balance app can help you understand why a loan was rejected, how much you may be eligible for, or what to do next.
Answers based on your own CIBIL report, not generic tips
Why rejected, how much, and what to do next
For credit and loan questions only
First open Credit Insights so the app can read your report. Checking your report is a soft check. As per TransUnion CIBIL, soft enquiries are not used to calculate your score. You can also check your CIBIL score in the app.
Ask AI Credit Chat
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Users love us - Rated 4.6 on Google PlayAI Credit Chat turns your credit report into clear answers. Ask why you were rejected, how much you may be eligible for, whether you can apply again, or what is pulling your score down. It uses the details in your report to help you decide what to do next.
See what may be available based on your report today.
Understand what in your report may have affected the decision.
See whether you should repay, wait, or consider a smaller product. It cannot promise an approval date.
Check whether another loan may be available.
See which parts of your report may be affecting it. It cannot promise a future score.
For example: “Why was my loan rejected?” or “If I clear this EMI, can I get a loan?”
Generic tips can tell everyone to pay on time. AI Credit Chat starts with the credit report in your app, so its answers are about your own file.
Explain what in your report may have affected a loan decision
Show how much you may be eligible for right now
Tell you whether applying again may make sense
Point out which report details may be pulling your score up or down
Recommend a lender as a comparison service
File a CIBIL dispute for you
Promise a future score
Replace customer support for repayment, NOC, or app account issues
If the loan screen and chat show different rates or limits, trust the loan screen and contact support.
To see your score, go to CIBIL Score. To see the details behind it, go to Credit Insights.
You have seen your score or report and have a specific question.
You want to understand a loan decision, not read general credit tips.
You are looking for help with credit or loans, not investments or insurance.
AI Credit Chat answers questions about the report. These show the report, the score, and the loans.
Indicative loan ranges by lender type, plus your approval chance for an amount you choose.
Know MoreSee your score on the 300–900 scale. Soft check, with no score impact as per TransUnion CIBIL.
Know MoreReady to apply? A personal loan from True Credits or a lending partner, fully digital.
Know MoreA smaller starter loan. Repaying on time can unlock higher amounts over time.
Know MoreThis page is general information about a True Balance app feature. It is not a credit facility, not investment or insurance advice, and not a registered advisory service. CIBIL® is a registered trademark of TransUnion CIBIL Limited. True Balance is a platform; loans are from True Credits Private Limited or other RBI-registered partners. RBI does not approve apps or guarantee marketing claims.