Ashavmedh Singh

A CIBIL score is a three-digit number ranging from 300 to 900 that summarises your credit history, repayment behaviour, outstanding debt, and credit mix. It is calculated by CIBIL (Credit Information Bureau India Limited), one of four RBI-approved credit bureaus in India alongside Experian, Equifax, and Highmark.

Financial crises do not give prior notice. When you face an unforeseen situation that demands money on the spot, like medical emergencies or any other unplanned expense, two ways to borrow come in handy: quick loans and express loans.

Loans confuse people. That is fair enough. Walk into a bank or open an app and you will meet a dozen products with names that barely explain themselves: home loan, gold loan, top-up, line of credit, on it goes. Strip away the jargon, though, and nearly every option in India boils down to a handful of types. Learn those few, and the whole decision feels far less daunting.

Pick the wrong loan for your business need and you pay for it, literally, for years.

On the first weekend of every month, Aman opened his banking app and promised himself he would save properly this time. He wanted an emergency fund, better financial security for his family, and enough savings for his daughter’s school admission next year.

If you use digital payments every day, you already know how fast India is moving toward a cashless life. But there is one small detail that still confuses many people: what is a UPI ID, and why do apps keep asking for it...

Have you ever noticed how UPI apps never ask for your bank account number? When you set up your UPI, all you are asked for is to create something that looks like an email address, and you are all set.

You probably use online payments so often now that it feels almost automatic. A UPI address is one of the reasons that experience feels so smooth. It works as your personal digital payment identity and lets you send or receive money in seconds.

Ritika paid her home loan EMI on time every month. After one year, she opened her loan statement expecting the balance to reduce sharply. Instead, she noticed that the amount had dropped very slowly, which confused her.