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Pricing

One fixed price. Stated once. Kept.

Every price on this page is the whole price — stated in writing after analysis, never revised mid-engagement.

Fixed & public pricingAnalysis first, payment afterMoney-back promise
The prices
Personal · one bureau₹9,999 +GST
Personal · all four₹14,999 +GST
Business · one bureau₹34,999 +GST
Business · all four₹59,999 +GST
Complex casesPriced in writing
If we can't deliverMoney back

04 · Pricing

One fixed price. Stated once. Kept.

Your price is stated in writing after we've reviewed your report and set expectations — and it never changes mid-engagement. No variables, no surprises.

Essential
₹9,999 + GST
When only one bureau is reporting negative or incorrect data.

Our fee covers the analysis, disputes and follow-up. The credit reports themselves are bought directly by you from the bureaus, in your name. We tell you exactly which reports to buy before you pay anything.

  • One bureau — CIBIL or any one of your choice
  • Full analysis and rectification of that report
  • Dispute-to-closure tracking with documentary proof
Start with a call
Most chosen
Premium
₹14,999 + GST
When banks check multiple bureaus, or issues span more than one report.

Our fee covers the analysis, disputes and follow-up. The credit reports themselves are bought directly by you from the bureaus, in your name. We tell you exactly which reports to buy before you pay anything.

  • All four bureaus — CIBIL, Experian, CRIF, Equifax
  • Corrections matched and verified across every report
  • Dispute-to-closure tracking with documentary proof
Start with a call
Custom
Priced after assessment
For complex cases that need specialist handling beyond standard rectification.

Our fee covers the analysis, disputes and follow-up. The credit reports themselves are bought directly by you from the bureaus, in your name. We tell you exactly which reports to buy before you pay anything.

  • Hunter list resolution
  • Director report cleanup — de-linking accounts of companies you've exited
  • Debt negotiations for waivers & settlements
  • Other multi-entity or long-history cases
Request an assessment

All prices exclusive of 18% GST. Your exact scope, timeline and price are stated in writing after the analysis, before you pay — and covered by our refund policy.

Annual plans

Ongoing monitoring, priced the same way.

A professional fee for the year, stated once. The toggle above applies here too.

Single bureau — CIBIL
₹13,999 + GST
Billed annually
Ongoing credit monitoring with regular reviews and proactive issue resolution.

Our fee covers the analysis, disputes and follow-up. The credit reports themselves are bought directly by you from the bureaus, in your name. We tell you exactly which reports to buy before you pay anything.

  • Requires an active bureau subscription in your name; we'll tell you exactly which one to buy.
Start with a call
All four bureaus
₹19,999 + GST
Billed annually
Only ₹6,000 more for all four bureaus.
Ongoing credit monitoring with regular reviews and proactive issue resolution, across CIBIL, Experian, CRIF and Equifax.

Our fee covers the analysis, disputes and follow-up. The credit reports themselves are bought directly by you from the bureaus, in your name. We tell you exactly which reports to buy before you pay anything.

  • Requires an active bureau subscription in your name; we'll tell you exactly which one to buy.
Start with a call

Annual plan prices are the professional fee only, exclusive of 18% GST, billed annually. The bureaus' subscription prices apply and are paid to them as each report or subscription is taken.

The Custom tier, explained

Specialist work, priced after we've seen the file.

Hunter list resolution

A listing in the fraud-indicator database can silently kill every application you make — often without anyone telling you why. Resolution is slow, documented work with the reporting institution. We've done it before; it can be done.

Director report de-linking

Exited a company years ago, but its facilities still shadow your personal report? De-linking involves the lender, the bureau and corporate records — specialist, document-heavy, and precisely what this tier exists for.

Debt negotiations — waivers & settlements

Where genuine dues exist, we negotiate structured settlements and waivers with lenders — honestly, in writing, and with the credit-report consequences explained before you sign anything.

Long & multi-entity histories

Decade-old records, multiple entities, mixed personal-and-company trails — cases that don't fit a standard plan get scoped individually, with the price fixed in writing after assessment.

Every Custom engagement begins the same way as every other: your report analyzed and our review shared, before any payment. Request an assessment →

Quick answers

Pricing, answered first.

How much does credit repair cost in India?

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At Kenstone Credit: personal credit repair is ₹9,999 + GST for a single bureau or ₹14,999 + GST when issues span multiple bureaus. Business credit repair is ₹34,999 + GST for one bureau and ₹59,999 + GST across all four; genuinely complex cases are quoted in writing after assessment. Every price is fixed and told to you before you pay anything. Our fee covers the analysis, disputes and follow-up. The credit reports themselves are bought directly by you from the bureaus, in your name. We tell you exactly which reports to buy before you pay anything.

Do I pay before or after the report analysis?

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After. Your report is analysed and our written review shared first, which entries are disputable, which are accurate, the realistic timeline, and your fixed price. Payment happens only once you have read that and decided to proceed.

Are there any hidden charges, per-dispute fees, or percentage fees?

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No. One fixed price plus GST covers the engagement across the committed bureaus, however many disputes it takes. There are no per-dispute charges, no success percentages, and no upsells mid-case, if the scope genuinely changes, you get a revised quote in writing before anything more is billed.

What if you cannot deliver what you committed?

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You get your money back. If the corrections we committed to are not reflected within the committed 30 to 45 working-day window and your case file is complete on your side, our refund policy applies. The commitment is given in writing before payment, not implied afterwards.

Why does business credit repair cost more than personal?

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Commercial cases run on paid bureau reports, span multiple credit facilities and lender relationships, and usually involve CMR rank work plus promoter-level cross-links between company and personal reports. The volume of documentation and lender-side follow-up is simply larger, and the pricing reflects that honestly rather than hiding it in variables.

Are credit bureau report charges included in your fee?

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No. Your fee to Kenstone Credit is for our professional work. Credit reports are bought directly from the bureaus in your name, and the bureaus bill you for them. For a one-time case, the reports typically cost ₹120–₹500 for individuals, and for businesses ₹600–₹4,000 for a single bureau or around ₹7,500 for all four; individuals also get one free full report from each bureau every year. For annual plans you take out the bureau subscription we point you to and pay the bureau for it directly, not upfront — for a business that is roughly ₹15,000 a year for CIBIL alone or ₹27,000 across all four bureaus. We confirm exactly what you need before you pay us anything.
“They said it would be fixed in thirty-five to forty-five days — everything was fine in thirty.”Francis XavierHDB written-off remark corrected · documented case
“I didn't have to go through any hassle — from desperately looking for help, to now that it has been done.”Sivaramakrishnan & Vidya BalajiSBI Card case, Bengaluru · documented case
4.9★ · 500+ Google reviewsAnalysis before paymentOne fixed price — see pricingMoney-back promise in writing
Registered & verifiable: Kenstone Credit Solutions LLP · LLPIN ACE-1800 · GSTIN 29ABBFK3106H1ZK · Udyam UDYAM-KR-03-0349099 · DPIIT DIPP157465
Our group company Kenstone Capital is empanelled with 27 lenders for SARFAESI enforcement and recovery.
State Bank of IndiaICICI BankAxis BankKotak Mahindra BankPunjab National BankCanara BankBank of BarodaUnion Bank of India+19 more — full list
Under RBI norms, banks publish their empanelled agencies on their own websites, so every name is verifiable at the source. That inside view of how lenders read a credit file is what we bring to yours.

Your price, fixed after our review of your report.

Call — or leave your number and a consultant calls you. And when the analysis says nothing needs repair, we say so and charge nothing — the cases we turned away are published.

080 6824 8827 or WhatsApp us — replies in minutes
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