# XCIBIL — Secured Credit Transactions

> App for tracking credit transactions, improving credit score, and monitoring GST compliance. (iPhone/iPad app by MINSYST CONSULTING PRIVATE LIMITED.)

- Source: https://appshunter.io/ios/app/xcibil/id1594064507 (this page in markdown: same URL + `.md`)
- Developer: [MINSYST CONSULTING PRIVATE LIMITED](https://appshunter.io/developer/1594064509)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 13.0 · 77 MB
- Languages: American English
- Released: 2021-11-27
- Data updated: 2026-08-05
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/xcibil/id1594064507/reviews.md

## What is XCIBIL?

XCIBIL – Track Transactions, Improve Credit Score & Monitor GST Compliance

Are you worried about delayed payments or defaults from borrowers? With XCIBIL, you can safeguard your business by tracking and managing all your credit transactions—whether they involve goods, cash, or services—while ensuring financial security. XCIBIL helps you hold borrowers accountable, ensures timely payments, and allows you to verify GST compliance of businesses you deal with. Take control of your financial interactions and make informed decisions before extending credit.


Key Features

- Credit Report
Check the creditworthiness of your borrowers or trading partners before entering into a transaction. Assess their financial reliability and make smart business decisions.

- GST Compliance Check
Verify if a company is paying GST on time and review their GST payment history before extending credit. Ensure you're dealing with compliant and reliable businesses.

- Record Transactions
Easily log cash payments, goods, and service transactions in one place. Keep a clear and accessible digital record of all your dealings.

- Settlement Service
Encourage timely payments by linking borrower payments to their XCIBIL credit score. Missed or delayed payments can be marked as defaults, impacting their credit rating.


Why Choose XCIBIL?

- Build Trust
XCIBIL fosters trust in business relationships by providing transparency in transactions and GST compliance, ensuring accountability on both sides.

- Ensure Timely Payments
With every transaction linked to a credit score, borrowers are motivated to settle debts on time, reducing financial risk.

- Monitor GST Compliance
Check if businesses you work with fulfill their GST obligations and assess their financial reliability before engaging in business.


How It Works

1. Check Creditworthiness & GST Compliance
Before conducting a transaction, review the business’s GST compliance status or an individual’s credit report to ensure financial responsibility.

2. Record All Transactions
Log your credit, cash, goods, or service transactions into the app to stay organized and maintain a secure financial record.

3. Settle Payments on Time
Borrowers can pay on time to maintain or improve their credit score. Missed payments can be marked as defaults, affecting their financial credibility.


Who Can Benefit from XCIBIL?

1. For Lenders:
- Check the creditworthiness and GST compliance of borrowers or business partners.
- Reduce risk and ensure timely payments.

2. For Borrowers:
- Maintain a good credit score and GST payment record to build trust and secure future financial opportunities.

3. For Everyone:
- A transparent system to track financial transactions, monitor GST payments, and ensure accountability in business dealings.

Download XCIBIL today to manage your finances, track GST compliance, and build a stronger financial future!

## Key features

- Credit report for borrowers
- GST compliance verification
- Record financial transactions
- Settlement service for timely payments
- Monitor borrower accountability

## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/xcibil/id1594064507/reviews.md

### 1/5 — Not

*2024-10-26, version 2.8.0*

Not working properly

### 5/5 — XCIBIL

*2022-05-27, version 2.6.0*

Best app to record credit related transactions

### 5/5 — 1 Number app he paisa vasool

*2022-04-04, version 2.5.1*

Mera sab atka hua paisa ab thoda thoda karke aane lag gaya ge

### 5/5 — Avadhesh

*2022-03-04, version 2.3*

Awesome app .. must say best way to get your defaulted funds

## Frequently asked questions about XCIBIL

### What is XCIBIL used for?

XCIBIL is used to track credit transactions, improve credit scores, and monitor GST compliance. It helps businesses assess borrower creditworthiness and ensure timely payments.

### How does XCIBIL help with GST compliance?

XCIBIL allows users to verify if businesses they deal with are paying GST on time and review their GST payment history. This ensures you are engaging with compliant and reliable partners.

### Can I record all types of transactions in XCIBIL?

Yes, XCIBIL allows you to easily log cash payments, goods, and service transactions in one place, creating a clear digital record of all your dealings.

### How does XCIBIL encourage timely payments?

By linking borrower payments to their XCIBIL credit score, the app motivates borrowers to settle debts on time. Missed or delayed payments can be marked as defaults, impacting their credit rating.

### Is XCIBIL available on multiple devices?

XCIBIL is supported on iPhone, iPad, and iPod devices, making it accessible for users across the Apple ecosystem.

### What is the age rating for XCIBIL?

XCIBIL has an age rating of 4+, indicating it is suitable for a wide range of users.

### How often is XCIBIL updated?

The latest version of XCIBIL is 3.2.0, and it was last updated on June 17, 2026. Updates ensure the app remains functional and secure.

### Does XCIBIL have ads?

XCIBIL is ad-free, meaning you can use its features without interruptions from advertisements.

## Version history (last 5 releases)

### 3.3.0 — 2026-08-04

Minor bug fixes and improvements to enhance your experience.

### 3.2.0 — 2026-06-17

Minor bug fixes and improvements to enhance your experience.

### 3.1.0 — 2026-01-30

Performance improvement and bug fixes.

### 3.0.0 — 2026-01-22

- Bug fixes
- UI/UX enhancement
- Performance improvement makes the app faster smoother.

### 2.8.6 — 2025-08-05

Bug fix and improvement

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## Related topics

[cibil score](https://appshunter.io/ios/topics/cibil-score)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-05.*