Credit card distribution growth and spending in India continues to rise, reaching ₹1.84 lakh crore in January 2025, according to data provided by Asit C. Mehta Investment Intermediates. Hence, in this kind of an environment managing credit card expenses effectively is crucial to avoid financial strain later on. For the same proper education, knowledge sharing … Read more
In India, having a good credit score while borrowing loans and credit cards at reasonable interest rates is essential. That is why it is important to maintain a clean repayment history. That is why many also raise this question: Do credit scores get impacted because of delayed utility payments? This write-up is dedicated to answer … Read more
A good credit score is indispensable to raisepersonal loans and credit cards. However, building a solid credit history doesn’t happen in a short time. It needs consistency and responsible financial habits. Here, we explain how one can build and improvecredit score over a period of time. Building credit history: Steps to take 1.Use credit cards … Read more
The acquisition of ownership through home purchase stands as a fundamental life achievement for most people although it generally requires substantial monetary investment. Mortgage loans provide necessary funds that enable people to achieve their homeownership aspirations through extended repayment plans. Understanding mortgage loan Mortgage loans function as secured loans that require you to deposit real … Read more
Personal loans are generally taken in India for satisfying one’s current financial needs, but do remember a higher rate of interest can increase repayment difficulties. Now, it is interesting to note that, even when you’ve taken a loan, there are certain methods which you can adopt so as to lower your personal loan rate of … Read more
While evaluating a personal loan or any other loan application, the financial institution considers a good credit score one of the most important criteria. The decision to approve or reject the loan application will depend on a good credit score and other criteria. Hence, individuals must check their credit score and credit report regularly. At … Read more
Maintaining a healthy credit score is important for securing loans and credit cards at favourable and easy interest rates. Still, missing even a single EMI can immensely impact your credit score in a negative way. Potentially dropping it by 100 points or even more. That is why understanding how to deal with this kind of … Read more
In this article, we will understand how a joint loan application helps, and its impact on the credit score and report of both borrower and co-borrower. Also, how two individuals can apply for a loan as a co-applicants. Usually for higher amount loans like a home loan or a Loan Against Property (LAP), it is … Read more
The Indian stock market continues to remain volatile due to the ongoing geo-political issues such as: Trump’s tariff threat, Russia-Ukraine war, global inflation, high interest rates etc. All these issues have cumulatively resulted in India’s benchmark Nifty 50 index suffering a swift correction of more than 10% over the last six months. Nifty 50 has … Read more
The choice between appropriate loan options becomes vital for urgent financial situations. The freedom they both grant comes from different loan functionalities of overdrafts and personal loans. Knowledge about their fundamental variations helps you decide better and achieve ultimate savings. What is a personal loan? Personal loans function as unsecured financing which allows you to … Read more