Loan defaults are more common today than most people realise. With rising delinquencies in small-ticket loans, personal loans, and credit cards, thousands of borrowers are struggling to recover their financial credibility. A single default can feel overwhelming—your score drops instantly,…
When you need additional funds while already repaying an existing loan, you face a critical choice: should you opt for a top-up loan on your current borrowing or apply for a fresh personal loan? This decision isn’t always straightforward. Each…
Your Credit Utilization Ratio (CUR) is a key factor in your CIBIL score, measuring how much of your available credit you are using. Understanding and managing this percentage is crucial for your financial health, as a high ratio can lower…
When a lender rejects your loan application, it can feel discouraging — especially when you need funds urgently. The big question most borrowers ask next is: Does loan rejection affect credit score? The short answer is no, a loan rejection…
For decades, taking a loan meant preparing for a long struggle. Borrowers had to gather several documents, visit banks multiple times, and still face uncertainty. Manual verification and approvals stretched across days or even months, making the process stressful and…
Unified Payment Interphase (UPI) is a payment system that revolutionized digital transactions in India by enabling instant and seamless money transfers. The UPI PIN is a four or 6-digit password that allows you to make payments directly from your bank…
Keeping track of your home loan balance is essential for efficient money management. Knowing your ongoing loan balance helps you keep in charge, whether you’re using it to plan your EMIs, interest management, save money on taxes, or decide whether…
Keeping track of your HDFC credit card balance is essential for effective financial management. By checking it regularly, you can avoid late payment charges, control overspending, and quickly spot any fraudulent activity. The most common and convenient way to check…
In today’s world, banks and other financial institutions offer a variety of payment methods, including debit or Credit cards, cash, bank transfers, cheques, and demand drafts. Each payment method has a unique feature, and each has its advantages and disadvantages. …