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First Salary, First Loan: What Gen Z Should Know Before Borrowing Getting your first salary feels like a big milestone. You finally have your own income, more financial independence, and the freedom to make bigger purchases. But for many young professionals, the next step can also mean considering their first personal loan, whether it is […]

How to Improve Your CIBIL Score in 90 Days Your CIBIL Score is an important part of your credit profile. It is a three-digit score ranging from 300 to 900 and is based on information in your credit history, including your payment behaviour, credit utilisation, credit accounts and enquiries. Lenders may consider your CIBIL Score

How Existing Credit Card Dues Affect Personal Loan Eligibility When you apply for a personal loan, lenders generally look at more than just your monthly income. Your existing financial commitments, repayment history, credit profile and ability to manage another EMI can all influence your eligibility. One important factor is your existing credit card dues. If

Can I Take a Personal Loan to Pay Off Credit Card Debt? Credit cards can be a convenient way to manage everyday expenses, but carrying a large outstanding balance can become expensive over time. If you are struggling to manage high-interest credit card dues, you may wonder, “Can I take a personal loan to pay

10 Red Flags of a Fake Personal Loan Offer: How to Stay Safe In today’s digital world, getting a personal loan can be quick and convenient. But the same convenience has also created opportunities for fraudsters to target borrowers with fake personal loan offers, fraudulent loan apps, impersonation scams, and misleading messages. A loan offer

Applying for a personal loan can be a convenient way to manage planned expenses such as medical emergencies, education, home renovation, weddings, travel, debt consolidation, or other financial requirements. Since a personal loan is generally an unsecured loan, lenders may evaluate factors such as your income, credit history, CIBIL score, existing financial obligations, repayment capacity,

Applying for a personal loan has become easier than ever with digital lending and instant approvals. However, many applicants are surprised when their loan application gets rejected despite meeting basic eligibility criteria. Understanding why lenders reject personal loan applications can help you improve your chances of approval and avoid unnecessary delays. In this article, we’ll

What Is the 3-6-9 Rule in Finance? Proper management of money has become an essential life skill in modern times. Regardless of your earnings, financial stability requires prudent saving, spending, and future planning. While many people concentrate on earning more money, few think about their savings and financial stability in case of any unforeseen circumstances.

The “5 Cs” of Credit: How Lenders Judge Your Personal Loan Application While taking a personal loan may now look easy, what happens in the background during each approval and rejection is not as easy as it looks. The 5 Cs of Credit is one such method used by financial institutions and banks to analyze