Complain to the lender in writing first, then to the RBI within 90 days if it is not fixed in 30. Which door for which problem, the 2026 Ombudsman rules, and how to file.
A Diwali bonus can fix what a monthly salary never quite does. The five smartest uses, in order, starting with clearing costly loan-app debt, with the maths.
How to use unrealised losses to reduce capital-gains tax in India: current STCG and LTCG rates, set-off and carry-forward rules, a worked example, and five traps that can cancel the benefit.
Personal loans for shares, margin funding, loans against your portfolio and F&O all magnify losses in a flat market. The leverage maths, SEBI’s F&O loss studies, and what to do if you have already borrowed.
Need money while your mutual funds are down? The honest maths of selling at a loss versus taking a loan, the break-even return a loan demands, and when each option makes sense.
How many months of expenses to keep before investing, a worked example for a salaried professional, where to park the money (savings, sweep-in deposits, liquid funds) and why the fund matters most in a flat market.
A red SIP is not by itself a reason to stop. Here is the maths of rupee cost averaging in a flat market, what AMFI data show other investors doing, and five questions to ask before you pause, stop or continue.
How “guaranteed return” WhatsApp groups, fake trading apps, pump-and-dump tips and fake recovery agents work, the red flags, how to verify a broker or UPI ID with SEBI tools, and what to do in the first hours if you have paid.
The Nifty 50 has gone roughly nowhere since September 2024. Here is what a time correction is, what India’s 1994, 1999 and 2007 flat phases looked like, and what investors who came through them tended to do.
Have you ever wondered how to Save Tax on Personal Loans 2024 in India? Whether you hold a managerial position, work as a Software Engineer,
Setting a financial resolution for 2024 is like drawing up a blueprint for a more secure and prosperousfuture. It involves a commitment to intentional and
In short: Raising a credit score takes months; keeping it high takes habits. Six do most of the work: automate every due date, keep card
In the ever-evolving landscape of India’s financial sector, personal loans have become a staple for individuals seeking quick and hassle-free financial assistance. As of November
In short: Paying on time protects the biggest part of your score, but it is not the only part. The most common reasons a score
In short: The fastest way to improve your CIBIL score is not to try all nine popular “hacks” at once, but to find the one
In short: Below 600, the right next step depends on why your score is there, and that is exactly what a good credit counselling session
In short: If you are salaried and your CIBIL score is below 600, the most reliable remedy is a routine tied to your pay cycle:
In short: Only what lenders report to the credit bureaus can move your CIBIL score: repayment history, how much of your card limits you use,
As a 25-year-old IT analyst working at a software start-up in Bangalore, I found myself in a difficult financial situation. My salary was being consumed
In short: Sometimes, yes. “CIBIL defaulter” is not one status: late payments that are now paid up, a loan that is still overdue, a loan
In short: Yes, a CIBIL score of 620 can get a ₹1 lakh personal loan in India, though usually not from a big bank. NBFCs
In short: Yes, a 50-point rise in three months is possible, but only for some reports. It is realistic when your score is held down
In short: A poor CIBIL score does more than get loans rejected. When you are approved, you usually pay a higher rate, get a smaller
In short: A CIBIL report has four parts that matter: your identity details, your accounts (each loan and card with its balance, overdue and month-by-month
In short: This is an illustrative case, not a real customer. It walks through how an Omozing credit officer might read the file of a
In short: After a write-off, the lender still wants its money, which gives you room to negotiate. Ask for a written statement of dues, aim
Kamala was a mother of three children, Suresh, Sowmya and Srinivas. She knew that giving her children an allowance would be a great way to
Ritu was a mother of two young children, Rohan and Rhea. She knew that it was important to teach them about money management and financial
The following are the Top 20 unique money tips for millennials in India: