Search results for "CIBIL score"

CIBIL is one of four credit bureaus licensed by RBI to compile Indian credit histories. Your 'CIBIL score' is a single number between 300 and 900 that summarises your repayment behaviour across all loans and cards.

/credit-score/what-is-cibil-score

You are legally entitled to one free full credit report every calendar year from each of the four RBI-licensed bureaus - CIBIL, Experian, Equifax and CRIF. Here's exactly how to pull yours in under 10 minutes.

/credit-score/how-to-check

Your credit score is a single number between 300 and 900 that summarises how reliably you repay debt. Every bank in India checks it before approving a loan or credit card. This hub explains what moves it and how to improve it.

/credit-score

Credit-score misinformation is everywhere, from WhatsApp forwards to well-meaning relatives. Here are the biggest myths that lead people to make the wrong decisions, and what the actual bureau practice is.

/credit-score/myths-about-credit-score

If your score is below 750 and you're planning a loan application in the next year, the good news is that most people can add 50-150 points with disciplined action over 6-12 months. Here's what actually works.

/credit-score/how-to-improve

For a home loan of ₹50 lakh or more, your credit score can swing the interest rate by 40-80 basis points. Over a 20-year tenure, that's lakhs of rupees. Here's the score you need for each major bank and how to hit it.

/credit-score/for-home-loan

Bureau scoring models are proprietary, but the five ingredient buckets and their approximate weightings are widely disclosed. Understanding them lets you focus improvement effort where it actually matters.

/credit-score/factors-affecting-score

Card issuers use a compact set of criteria to decide who gets which product. Meet the entry bar and you're approved for entry-level cards; meet higher bars and you're invited into premium tiers.

/credit-cards/eligibility

Every MSME lender in India uses a version of the same underwriting logic: how long has the business been running, how consistent is the turnover, how clean is the promoter's credit, and how healthy is the bank statement.

/business-loan/eligibility

Rohan writes on credit cards, credit scores, and consumer credit. He focuses on turning banks’ fine print into reader-first guidance.

/authors/rohan-desai

A personal loan is an unsecured borrowing option you can use for weddings, medical bills, travel, home repairs, or debt consolidation. On this hub you'll find plain-English guides, eligibility checklists, real bank rates, and calculators to help you plan repayment.

/personal-loan

Banks look at four things: your age, your monthly income, your employment stability, and your credit history. Meet the thresholds on all four and approval is usually smooth. Miss one and rates go up or the application is declined.

/personal-loan/eligibility

A credit card is one of the most useful financial tools available if you use it disciplined. This hub covers the different card categories, how to pick the right one, and detailed pages on the biggest issuers in India.

/credit-cards

Home loan eligibility depends on two things: your ability to repay (income, existing EMIs, credit score) and the property's ability to serve as collateral (title clarity, approvals, valuation).

/home-loan/eligibility

The "best" personal loan bank is really the one whose rate, fee, and part-payment rules match your specific profile. Below is a ranked shortlist of the five banks that come up most often as the shortest path to a good deal for salaried Indian borrowers.

/personal-loan/best-banks

Home loan rates in India today start around 8.35% p.a. and go up to 10% for higher-risk profiles. Public-sector banks tend to publish the lowest starting rates; private banks compete on speed and service. Here's the current rate map.

/home-loan/interest-rates

Converting a large credit card outstanding into an EMI plan is one of the cheapest ways to avoid finance charges of 36-48% per annum. Card issuers typically offer EMI at 12-18% p.a. Use this calculator to see the monthly cost and total interest before you convert.

/calculators/credit-card-emi

Personal loan interest rates in India today range from about 10.5% to 24% p.a. Your actual rate depends on your credit score, employer, and existing banking relationship. Below is the rate table across major banks as published on their official product pages.

/personal-loan/interest-rates

Kotak Mahindra Bank has aggressively rebuilt its personal-loan product around a paperless mobile journey. For applicants with a 750+ score and stable salaried income, Kotak is a strong contender in the ₹10-25 lakh loan band.

/personal-loan/kotak

Personal loans for self-employed applicants use business income as the anchor, not salary slips. Underwriting is stricter and rates are typically 100-200 bps higher than for salaried applicants at the same score. Here's how the process actually works.

/personal-loan/for-self-employed