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Plain-language guides on loans, credit cards, credit scores, savings and your rights as a borrower in India, researched from RBI, credit bureau and lender sources.
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How CIBIL and other credit scores work, how to check them free, and how to improve them.
16 articles →Personal LoansEligibility, documents, interest rates, EMIs and charges for personal loans in India.
1 articles →Business & MSME LoansBusiness loan eligibility, documents, government schemes and repayment options for small businesses.
3 articles →Latest articles
Business Loan Eligibility in India: What Lenders Actually Check
Business loan eligibility explained: vintage, turnover, banking, credit score and existing debt, plus a worked example of how much you can borrow.
9 Nov 2026 · 10 min readCredit Score & CIBILCIBIL Score for a Home Loan: What Lenders Look For
What CIBIL score you need for a home loan, how your score changes the rate you are offered, and a 6-12 month plan to prepare before you apply.
9 Nov 2026 · 9 min readCredit Score & CIBILCIBIL Score vs Credit Score: India's 4 Credit Bureaus Compared
CIBIL score vs credit score: CIBIL is one of four RBI-licensed bureaus with Experian, Equifax and CRIF. Why your scores differ and which lenders use.
9 Nov 2026 · 8 min readCredit Score & CIBILCredit Mix Explained: Does Loan Variety Help Your CIBIL Score?
Credit mix explained for Indian borrowers: secured vs unsecured and revolving vs instalment credit, how much mix matters to CIBIL, and when to leave it alone.
9 Nov 2026 · 7 min readBusiness & MSME LoansDaily Repayment Loans for Small Business: How EDI Loans Work
Daily repayment loans explained: how EDI is collected from sales or UPI, what it really costs, and how to convert a daily offer into an annual rate.
9 Nov 2026 · 9 min readCredit Score & CIBILHard vs Soft Inquiry: What Hurts Your CIBIL Score
Hard vs soft inquiry explained: lender checks on your applications can lower your CIBIL score, your own checks never do. How to shop for loans safely.
9 Nov 2026 · 8 min readCredit Score & CIBILHow a Late EMI or Card Payment Affects Your CIBIL Score
Late payment impact on CIBIL explained: how days past due are reported, why 1 day late differs from 90, and what to do right after you miss a due date.
9 Nov 2026 · 9 min readCredit Score & CIBILHow Is CIBIL Score Calculated? The Factors Explained
How CIBIL score is calculated: the factors CIBIL uses, what data goes in and stays out, and two worked profiles showing why scores differ.
9 Nov 2026 · 8 min readCredit Score & CIBILHow Long Do Negative Entries Stay on Your Credit Report?
How long negative entries stay on your CIBIL report: late payments, settlements, write-offs, enquiries, the 7-year retention rule and how impact fades.
9 Nov 2026 · 8 min readCredit Score & CIBILHow to Check Your CIBIL Score for Free (Step-by-Step)
Check your CIBIL score free once a year on cibil.com, plus free reports from the other three bureaus. Steps, documents needed and safety tips.
9 Nov 2026 · 9 min readCredit Score & CIBILHow to Fix CIBIL Report Errors: Dispute Process and RBI Timelines
Fix CIBIL report errors by raising a dispute online. RBI rules give 30 days to resolve it, with ₹100 a day compensation for delays. Step-by-step guide.
9 Nov 2026 · 8 min readCredit Score & CIBILHow to Improve Your CIBIL Score: A 90-Day and 12-Month Plan
How to improve your CIBIL score with a practical plan: fix report errors, cut card utilisation, pay on time and space out applications. No shortcuts.
9 Nov 2026 · 9 min read