Loans

If your CIBIL score is stuck around 600, you already know what it costs you: higher interest, smaller loan amounts, and lenders who hesitate before hearing your full story. Getting to 750 won’t fix everything on its own, but it does open up more choices. Lenders also look at your income and existing debt, so … 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

A personal loan with a low CIBIL score isn’t automatically off the table; it’s just harder to get approved, and the terms usually cost more. Approval comes down to a mix of things: income, existing EMIs, repayment history, how stable your job is, and the specific lender’s own rules, which vary more than most people … 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

If you’ve taken a home loan recently, there’s a decent chance you’ve seen a small, unexplained charge on your loan papers labelled “CERSAI.” CERSAI stands for the Central Registry of Securitisation, Asset Reconstruction and Security Interest of India; that’s the full form of CERSAI. In practical terms, it’s a government-run online record that tracks which … Read more