In today’s credit-driven economy, your CIBIL score plays a key role in determining your financial credibility. Whether you’re applying for a business loan, home loan, credit card, or even an overdraft facility, your CIBIL score is often the first thing lenders will check. Understanding the CIBIL score factors is crucial if you want to maintain...

In April 2025, Indian entrepreneurs and small business owners are presented with a plethora of business loan options, thanks to recent policy shifts, competitive interest rates, and innovative digital lending platforms. This article delves into the most current business loan offerings, highlighting key interest rates, government-backed schemes, and emerging trends to assist you in making...

Introduction When it comes to buying your dream home, choosing the right lender is just as important as choosing the property itself. In India, two of the biggest players in the housing loan segment are State Bank of India (SBI) and Housing Development Finance Corporation (HDFC). But the real question is: SBI Home Loan vs...

Introduction When you need urgent funds but don’t want to sell your long-term investments, a Loan Against Bond can be a smart financing option. Whether you hold government bonds, corporate bonds, or tax-free bonds, many banks and NBFCs in India offer loans against them, helping you unlock liquidity without losing ownership. In this guide, we’ll...

EMI Bounce is a term that refers to the failure of an Equated Monthly Installment (EMI) payment from a borrower’s bank account. When an EMI bounces, it means that the scheduled payment could not be processed due to issues such as insufficient funds or technical problems. This not only results in financial penalties but also...

How Loan Enquiries Are Secretly Damaging Your Credit Score is a concern for many borrowers who may not realize that simply asking for a loan can have a hidden negative impact on their credit profile. In today’s competitive financial environment, even minor details such as multiple loan enquiries can lower your credit score and affect...

Kolkata, a city steeped in culture and history, is also a dynamic economic hub with a rapidly expanding market. This unique combination offers aspiring entrepreneurs a wealth of opportunities, blending traditional businesses with innovative new ventures. If you’re looking to tap into Kolkata’s vibrant economy, here are 15+ profitable business ideas designed to thrive in...