Personal finance blog for India

At Paisa247 you'll find articles and guides on personal loans, credit cards and credit scores in India. Read explanations, comparisons, eligibility criteria, interest rates, APR, fees and repayment terms to make financial decisions with more context.

September 28, 2026Credit Card Offers for Diwali 2026: How to Save More Without Falling Into DebtDiwali falls on 8 November 2026, and the big festive sales begin weeks before it. It is also the time of year when credit card offers for Diwali are at their best: instant bank discounts, extra cashback, bonus reward points and no-cost EMI on almost everything from phones to fridges. Used well, a credit card can save you thousands of rupees this festive season. Used carelessly, it can leave you paying 36-45% interest into the new year. What decides which one happens is simple: only spend what you can repay in full by the due date. This guide explains how the offers work, whether no-cost EMI is really free, and how to use your card wisely during the festive season.

Credit Card

September 25, 2026How to get a personal loan in India without costly mistakesA personal loan in India is usually unsecured credit, but "no collateral" does not mean easy approval. Lenders assess income, credit score, existing EMIs, KYC and repayment capacity before sanction — use this guide as a pre-application check before you share PAN details, upload bank statements or accept a digital loan offer.

Personal Loan

September 25, 2026How to increase your CIBIL score: a realistic, score-band repair planThe TransUnion CIBIL score in India ranges from 300 to 900, and if your score is low, the right first step is to read your report — not to submit another loan application. The repair plan depends on what's actually pulling the score down: an overdue EMI, a high card balance, a wrong DPD, a settlement, too many enquiries, or too little credit history. Indian consumers can access one free CIBIL score and report every calendar year under the RBI-backed free annual credit report framework — use it to see the data behind the number, not just the score shown on an app. For most low-score borrowers, the working order is: clear live overdues, correct wrong negative entries, lower utilisation before the next statement, pause fresh applications, then let clean repayments build.

Personal Loan

September 25, 2026How to check your CIBIL score online: PAN, OTP and your free reportYou can check your CIBIL score online through TransUnion CIBIL, or through a bank, NBFC or financial platform that seeks your consent before accessing bureau data. TransUnion CIBIL says users are entitled to one free CIBIL Score and Report every calendar year, and checking your own score is a soft enquiry that does not lower it. For borrowers, checking your score matters because it lets you catch errors, missed payments or unfamiliar enquiries before a lender reviews your application. You'll typically need PAN, mobile number, date of birth and OTP verification — see the exact steps and what to check in your report below.

Personal Loan