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  • Why you must have a credit score Apr 21, 2017 11:11 AM IST

    Why you must have a credit score

    If your credit score is zero, it means you do not have a credit history. With no credit history, banks have no data to assess your repayment behaviour and you will be profiled as a ‘risky’ prospect.

  • Want to maintain a high credit score? Here is how to do it? Apr 12, 2017 02:19 PM IST

    Want to maintain a high credit score? Here is how to do it?

    There are various factors that influence a credit score, major being - payment history, credit utilization ratio, length of credit history, type of credits (secured v/s unsecured) and number of inquiries.

  • About 92% of Indian credit card users pay their bills on time: Cibil Survey Apr 11, 2017 05:31 PM IST

    About 92% of Indian credit card users pay their bills on time: Cibil Survey

  • Need a loan? Cibil can now help you find the best suited product Mar 31, 2017 04:16 PM IST

    Need a loan? Cibil can now help you find the best suited product

    About 20-35 percent of the near 40,000 consumers of Cibil have paid off any balance dues after checking their score.

  • Seven credit card mistakes to avoid Mar 21, 2017 02:48 PM IST

    Seven credit card mistakes to avoid

  • Thinking of taking a home loan? Here is how to go about it Mar 07, 2017 10:29 AM IST

    Thinking of taking a home loan? Here is how to go about it

    Banks have their reservations as well. With housing prices going up constantly and banks having a good deal of NPAs, lenders also evaluate the property and the borrower‘s profile before handing out loans.

  • Here's why your home loan application may be rejected Mar 03, 2017 03:45 PM IST

    Here's why your home loan application may be rejected

    Banks assess an applicant‘s potential to pay back a loan in terms of various parameters including his credit score, age, source of income.

  • A mother's struggle for edu loan inspired this fintech startup Feb 25, 2017 04:58 PM IST

    A mother's struggle for edu loan inspired this fintech startup

    Bad credit scores can often be the reason why a bank will reject your loan application. CreditSeva is among the startups trying to remedy this problem.

  • MCLR, margin and reduction in home loan rates: A Saga Feb 23, 2017 03:46 PM IST

    MCLR, margin and reduction in home loan rates: A Saga

    It is better to do the home work before signing above the dotted line. Home loans being large and long term liability it makes all the more important to understand what matters.

  • Five myths about business loans you must steer clear of Feb 15, 2017 02:07 PM IST

    Five myths about business loans you must steer clear of

    It is not difficult to fund your business with borrowed money, but do not fall victim to myths.

  • These are the factors that decide whether you get a home loan or not Feb 06, 2017 08:00 AM IST

    These are the factors that decide whether you get a home loan or not

    There are various factors that determine whether you will get a home loan or not. Consequently, it is advisable to know your home loan eligibility in advance, so that you can plan the purchase &#82

  • Home loans based on credit rating finally arrive in India Jan 20, 2017 08:00 AM IST

    Home loans based on credit rating finally arrive in India

    Your credit history and credit score used to play a decisive role in determining whether you would get a home loan or not and it would stop there. You would get a home loan, &#82

  • Six reasons why you should check your credit report Jan 19, 2017 01:24 PM IST

    Six reasons why you should check your credit report

    It is better to know about credit score in detail before applying for a loan or a credit card.

  • Why you should opt for pre-approved home loan? Jan 16, 2017 04:50 PM IST

    Why you should opt for pre-approved home loan?

    An important advantage of a pre-approved loan is that you know your spending limit. It also helps in striking a better deal with the developer.

  • Taking a loan? Here's why knowing your credit score helps Jan 12, 2017 04:15 PM IST

    Taking a loan? Here's why knowing your credit score helps

    Customers with a good loan repayment track record and strong financials may get loans which are at least 50-75 basis points cheaper than a customer with a bad credit score.

  • 'Good Behaviour' helps you get your loan sanctioned- Here‘s how Dec 28, 2016 03:30 PM IST

    'Good Behaviour' helps you get your loan sanctioned- Here‘s how

    A few right steps can help you appear creditworthy in the eyes of bank.

  • Should you prepay your personal loan early? Nov 24, 2016 04:53 PM IST

    Should you prepay your personal loan early?

    While trying to pay off your debts is a good move, it is not always financially advantageous.

  • Five reasons why personal overdraft is better than payday loans Nov 15, 2016 08:15 AM IST

    Five reasons why personal overdraft is better than payday loans

    Payday loans can turn out to be extremely expensive for you due to the high-interest rates and a lot of other hidden reasons. Instead, a personal overdraft is a better choice to make where a borrower can get credit on-the-go without any tedious formalities and paperwork.

  • Use multiple credit cards to reduce credit utilization ratio Nov 07, 2016 11:04 AM IST

    Use multiple credit cards to reduce credit utilization ratio

    Keeping your credit utilization ratio low is a smart thing to do, as most financial institutions and lenders use this as a parameter to assess a person‘s credit-managing abilities.

  • What to do when lending money to friends Nov 01, 2016 06:13 PM IST

    What to do when lending money to friends

    Before you make a decision about lending to a friend, it‘s important to know and to understand why he needs money from you.

  • EMI schemes for white goods: Here's how they work Oct 19, 2016 04:23 PM IST

    EMI schemes for white goods: Here's how they work

    It allows purchasing what we cannot afford in the immediate present and converting our 'wants' into 'needs'.

  • Reasons why banks reject your home loan application Oct 10, 2016 12:05 PM IST

    Reasons why banks reject your home loan application

    With the increasing aspirations of the young generation, along with astronomical prices of houses, most home buyers today, seek to avail of home loans to fund their property purchase. However, there are various factors, &#82

  • EMI-free loans: Best means to repay credit card debt Sep 27, 2016 04:34 PM IST

    EMI-free loans: Best means to repay credit card debt

    Also known as credit card takeover loan, this can help you get rid of credit card debt.

  • Home loan not approved? Don‘t worry, you can still get it! Jul 19, 2016 01:00 PM IST

    Home loan not approved? Don‘t worry, you can still get it!

    A home loan is one of the best options, to arrange the funds needed for buying a home. Generally, it is easy to avail of a home loan, if the applicant has all the R

  • How to improve your credit score before applying for a home loan Jul 01, 2016 06:07 PM IST

    How to improve your credit score before applying for a home loan

    It is advisable for home loan seekers to obtain a credit report, before applying for a large loan, such as a home loan. This report, which provides a person‘s credit score, can be obtained &#82

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