Blogs.

There's no fixed minimum CIBIL score for a personal loan in India, whatever the ads might have you believe. Most lenders want to see 725 or above. But that's only part of the story, before anyone actually decides anything, they're reading your income, your job stability and the EMIs you're already paying.

For the longest time, a big car and a small fuel bill just didn't happen together. You paid for the extra seats once at the showroom, then kept paying for them at every petrol pump after that. That's shifted, though. I sat down and went through the mileage numbers for every 7-seater on sale in India right now, and honestly, one or two of them caught me off guard.

You might have seen article headlines about the RBI "cutting" or "keeping" the repo rate, with such articles often describing loans becoming cheaper or more expensive. What does this mean in terms of your finances?

Start by deciding what you want to check. A new applicant may need to know whether a document is pending. An existing borrower may only need to confirm the next EMI date or see whether a payment has been posted. The same loan account can answer both questions, but the useful screen is different.

A lower salary does not automatically rule out a personal loan. The real question is whether the monthly EMI will sit comfortably alongside your regular expenses and existing repayments. Before you apply, understand the lender’s criteria, choose an amount you can genuinely repay, and make sure your records tell a consistent story.

The phrase "NBFCs" may seem a little technical to those who are first introduced to it. These are not full-fledged banks. They are financial firms that offer loans and other credit services. They now play a significant role in lending in India, particularly for those who require more flexible qualifying requirements and faster access to loans.

QR codes are everywhere today, from shop counters and café tables to fuel stations and even on utility bills. What began as a small digital convenience has become one of India’s most trusted ways to pay.

Akash decides to apply for his first loan or credit card. Everything goes smoothly until the lender asks him for his CIBIL score. He checked online, but instead of a score, he saw that no credit history was available.

In India, KTM has achieved a respected status as a leading motorcycle company among fellow enthusiasts seeking outstanding performance and reliability from their bikes.