Best Personal finance apps in India
6 ranked. Personal finance apps in India, covering credit scores, expense tracking, digital gold savings, fixed deposits and loan marketplaces, ranked by GoCredible Score across the public app store ratings, with the full star split published rather than the average alone.
Last updated 2026-10-09.
Ranked by: GoCredible Score, highest first
How we ranked this
- Rating average across every public source we cover
- Number of ratings behind that average
- How recent those ratings are
No company paid for a position in this ranking. Read the full method
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1
Jar
GoCredible Score 4.7 out of 5, from 2,147,814 ratings across 2 public sources.
The app averages 4.7 on Google Play from 2,034,652 ratings and 4.7 on the App Store from 113,162. On Google Play, 87.3% of ratings are five stars and 4.8% are one star.
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2
Gullak
GoCredible Score 4.6 out of 5, from 52,592 ratings across 2 public sources.
The app averages 4.6 on Google Play from 48,587 ratings and 4.7 on the App Store from 4,005. On Google Play, 78.6% of ratings are five stars and 3.2% are one star.
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3
Paisabazaar
GoCredible Score 4.6 out of 5, from 1,673,782 ratings across 2 public sources.
The app averages 4.6 on Google Play from 1,658,762 ratings and 4.4 on the App Store from 15,020. On Google Play, 80.6% of ratings are five stars and 4.8% are one star.
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4
Stable Money
GoCredible Score 4.6 out of 5, from 48,811 ratings across 2 public sources.
The app averages 4.6 on Google Play from 44,624 ratings and 4.7 on the App Store from 4,187. On Google Play, 84.5% of ratings are five stars and 5.6% are one star.
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5
Bajaj Markets
GoCredible Score 4.4 out of 5, from 249,463 ratings across 2 public sources.
The app averages 4.4 on Google Play from 225,821 ratings and 4.7 on the App Store from 23,642. On Google Play, 74.9% of ratings are five stars and 9.7% are one star.
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6
CIBIL
GoCredible Score 3.7 out of 5, from 25,894 ratings across 2 public sources.
Google Play's 3.7 from 23,790 ratings contrasts with the App Store's 4.3 from 2,104, and 24.7% of Google Play ratings are one star.
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Side by side
| # | Company | Score | Ratings | City |
|---|---|---|---|---|
| 1 | Jar | 4.7 | 2,147,814 | Bengaluru |
| 2 | Gullak | 4.6 | 52,592 | Bengaluru |
| 3 | Paisabazaar | 4.6 | 1,673,782 | Gurugram |
| 4 | Stable Money | 4.6 | 48,811 | Bengaluru |
| 5 | Bajaj Markets | 4.4 | 249,463 | Pune |
| 6 | CIBIL | 3.7 | 25,894 | Mumbai |
What to look at before you choose
A free app is often selling something else
Many credit score and savings apps are free because they earn from loans, cards or products offered inside the app. Ratings often reflect how pushy those offers feel as much as the core feature.
The category is broad on purpose
A credit score app and a digital gold app do different jobs. Compare apps that do the same job, and use the star split to see whether complaints are rare or common.
A three step check
Check the volume
A 4.8 from 30 ratings is a weaker signal than a 4.3 from 900.
Check the date
A business changes hands, a manager leaves, and the rating takes a year to catch up. Look at what people wrote this quarter.
Check whether anyone replied
A company that answers its worst reviews is telling you what happens when something goes wrong for you.
Questions
Does checking my score through one of these apps lower it?
Checking your own credit score is generally a soft enquiry and does not lower it. The ratings here do not measure that; they measure what users wrote about the app.
How often is this ranking updated?
Whenever a source's rating average is refreshed. Each entry carries its own as of date.
Can a company pay to rank higher here?
No. Placement is the GoCredible Score and nothing else. If that ever changes, the paid entries are labelled inline.
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