The XCIBIL app is an easy-to-use app, which is the most convenient way to access and record transactions. You can keep track of your credit score, and get alerts on your phone, whenever there is any change in your credit report.

This app is not only a loan application but also a credit application. It will let you know the credit score of the person you are lending money to. You can check their history and see how they have performed in the past. The app will also let you know the amount of the loan, the interest rate, and the repayment period.

You can also check the status of the loan, and find out when the loan needs to be paid back. The app will send you an SMS message, alerting you to the fact that the loan is due.