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Top 7 Credit Mistakes Indians Make — and How to Fix Them Fast

In today’s world, your credit score is much more than a number — it’s your financial reputation. Whether you’re applying for a home loan, car loan, or even a credit card, lenders use your credit score to judge your reliability.Yet, many Indians unknowingly make simple mistakes that lower their scores and block access to better […]

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Top Lending Trends in 2025: How AI & Fintech Are Redefining Borrowing in India

The lending industry in India is going through a massive transformation — faster, smarter, and more digital than ever before.From instant loan approvals to AI-driven credit scoring, technology is reimagining how individuals and businesses access finance. As we step into 2025, the line between traditional banking and modern fintech lending continues to blur. Borrowers today

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Gold Loan vs Personal Loan: Which Is Better for You?

Gold Loan vs Personal Loan: Which Is Better for You?

Because many borrowers need speed and simplicity, numerous borrowers continue to use gold loans, preferring them in part due to the speed of funds being disbursed and the lower documentation requirements. Personal loans, although unsecured and requiring no collateral from the lender, offer a longer repayment route with greater flexibility in the use of the

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FASTag Balance

FASTag: Making Highway Travel Faster and Easier

Introduction FASTag is a prepaid, vehicle-specific tag that enables cashless toll payments for hassle-free travel across highways in India. Upon linking to a car and sticking to the windshield, the FASTag uses RFID technology to deduct toll charges electronically from the linked savings account/current account/prepaid wallet, with no stoppage or cash payment. Keep reading to

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House Rent Allowance

House Rent Allowance (HRA) – Meaning, Calculation & Tax Exemption Rules

Introduction HRA, or House Rent Allowance, is something that a lot of employees receive as part of their pay. It’s basically financially helping employees pay rent if they happen to be renting an apartment or home. In addition to paying rent, HRA can help employees when it comes to tax time. You could be eligible

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How Does an Inquiry Affect Your Credit Score in India

How Does an Inquiry Affect Your Credit Score in India?

Introduction Consumers, buyers, and professional undertakings are equally dependent on credit at the current time. The entire system of availability of credit and the duration of acceptance of a proposal depend on your credit score. An excellent credit score should have credit for the availability of debt and the purchase of some exclusive items. Important:

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Business credit score vs personal credit score

Business Credit Score vs. Personal Credit Score: What’s the Difference?

Introduction Every business, even the small ones, wants to grow. But getting the money needed for that growth can be tricky. Banks are usually the go-to for loans, but you often need a good business credit score to get one. Whether you’re looking to buy equipment, stock up, or move to a new place, your

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Personal Loan in India

Personal Loans in India: Everything You Need to Know Before You Borrow

Introduction: Over the last decade, individual debt has become increasingly popular in India, catering to a diverse range of financial needs. From funding dream weddings to management of unexpected medical expenses, personal debt offers a quick and flexible solution. Even if you feel financially safe today, emergencies do not declare their arrival. Whether it is

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RBI-Implements-New-CIBIL-Score-Rules

RBI Implements New CIBIL Score Rules 2025: Key Changes and Their Impact on Your Credit

The Reserve Bank of India (RBI) is rolling out the CIBIL score system under new rules in 2025, which will radically change the calculation of credit scores and impact borrowers. The new rules were created to create a more transparent, inclusive, and efficient credit system. Therefore, these changes will impact individuals, lenders, and whole financial

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