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India, 18th March 2026: Payinstacard, today announced a strategic partnership with Experian India, the Indian arm of global data and technology leader Experian, to provide users with real-time free credit reports, credit monitoring, dispute management and structured financial awareness programs.
Through this collaboration, Payinstacard users will gain seamless access to reliable credit insights powered by Experian’s trusted data infrastructure. The initiative is designed to help individuals better understand their credit scores, track loan and credit activity and take proactive steps toward strengthening their financial health.
As part of the partnership, users can access their credit reports free of cost, an offering that typically ranges between ₹600 to ₹2,000 annually in the market. The platform will enable customers to Check real-time credit reports at no charge, Monitor loans and credit history, Identify and raise disputes against unauthorized loans or credit facilities and Stay vigilant against surprise or fraudulent credit products.
In addition, users with low or affected credit scores will have access to affordable paid services that include smart alerts, credit score improvement tools and guided credit management support within the Payinstacard platform.
Beyond access to credit data, a key focus of the partnership is education and awareness. The collaboration will introduce financial literacy initiatives aimed at helping users understand how credit scores are calculated, what factors influence them and how responsible credit behavior can unlock better financial opportunities.
By combining Experian’s global expertise in credit data and analytics with Payinstacard’s mission to simplify and democratize financial access, the partnership seeks to promote transparency, inclusion and long-term financial well-being across India’s growing digital economy.
Commenting on the partnership, Manish Jain, Country Managing Director, Experian India: "At Experian, we are committed to building a credit ecosystem where every individual has access to accurate information and the tools needed to make confident financial decisions. Our partnership with Payinstacard strengthens this mission by extending real-time credit access and financial education to consumers across India. Together, we aim to empower people with greater transparency, protection and control over their financial journeys”
Sai Krishna Musunuru, Director & CEO, Payinstacard, added: "At Payinstacard, we believe that access to credit information should be simple, transparent and affordable. Partnering with Experian India enables us to provide real-time free credit reports, monitoring tools and dispute management capabilities to our users. More importantly, we are focused on educating individuals so they can take control of their credit health and build stronger financial futures."
This collaboration underscores both organizations’ long-term commitment to enhancing financial awareness and access. This partnership marks an important step toward building a more inclusive and secure financial ecosystem where individuals are empowered not just with data, but with actionable insights to make smarter financial decisions.
