Loans

If your CIBIL score is sitting around 600, you already know what it costs you: higher interest rates, smaller loan amounts, and lenders who say no before they even hear your full story. In this guide, learn how to increase your CIBIL score from 600 to 750, what CIBIL actually is, and why your score … Read more

You missed an EMI. Maybe the auto-debit failed, maybe you genuinely forgot, maybe the money just wasn’t there this month. Right now you want one straight answer: is your score already hurt, or is there still time? Here’s the honest version: a missed EMI impact on your CIBIL score is never a flat, fixed penalty. … Read more

In this guide, we will learn the difference between loan settlement vs loan closure and their impact on your CIBIL score. Imagine a borrower who has paid personal loan EMIs regularly for more than a year but then faces a serious financial problem and can no longer repay the full amount. The borrower approaches the … Read more

You apply for a personal loan, the lender checks your credit report, and a few days later your CIBIL score has moved. It’s easy to assume that a hard inquiry affects your CIBIL score, especially when you haven’t missed a payment or changed anything else about how you manage credit. That assumption is right, but … Read more

Many people expect their CIBIL score to go up after they finish paying off a loan. So when the score actually falls instead, it feels confusing, even unfair, especially if every EMI was paid on time. A credit score drop after paying off a loan is more common than most people realise. It’s not a … Read more

If your CIBIL score is low and you need a personal loan, getting approved can be difficult, but it is not always impossible. A low CIBIL score personal loan may still be available depending on your income, existing EMIs, repayment history, employment stability, and the lender’s own eligibility criteria. There is no single CIBIL score … Read more

India’s banking system is changing. From April 1, 2027, a new rule called the Expected Credit Loss (ECL) framework will change the way banks decide who gets a loan, at what interest rate, and with how much scrutiny. If you have a home loan, personal loan, or credit card, or you are planning to apply … Read more

Quick Overview of CERSAI CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest of India) is a government-run database that records every loan taken against a property in India. Here is what you need to know at a glance: CERSAI full form: Central Registry of Securitisation, Asset Reconstruction and Security Interest of India CERSAI … Read more