भारत के लिए पर्सनल फाइनेंस ब्लॉग

Paisa247 पर आपको भारत में पर्सनल लोन, क्रेडिट कार्ड और क्रेडिट स्कोर पर लेख और गाइड मिलेंगे। सोच-समझकर वित्तीय फैसले लेने के लिए जानकारी, तुलना, पात्रता मानदंड, ब्याज दरें, APR, फीस और चुकाने की शर्तें देखें।

5 अक्टूबर 2026Instant Loan on Credit Card in India: How It Works, Costs & When to Use ItAn instant loan on a credit card is a pre-approved loan your card issuer pays into your bank account, which you repay in fixed monthly EMIs. Published rates run from 11% to 25% a year, far below the 45% a year a cash withdrawal on the same card can cost. Some banks pay out within seconds; others take 3 to 5 working days.

क्रेडिट कार्डपर्सनल लोन

28 सितम्बर 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.

क्रेडिट कार्ड

25 सितम्बर 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.

पर्सनल लोन

25 सितम्बर 2026RBI new CIBIL score rules: what changed in 2025 and what to do in 2026The Reserve Bank of India regulates India's credit information reporting framework — it does not calculate a borrower's CIBIL score. The "RBI new CIBIL score rules" discussed in 2026 are about faster credit information reporting following 2025 implementation, not a new RBI-made scoring formula. The regulatory anchor is RBI's circular dated August 8, 2024 on reporting credit information to credit information companies, which required fortnightly submission (or shorter intervals where applicable), implemented no later than January 1, 2025. For borrowers, this means a paid EMI, closed loan, overdue card bill or default may appear sooner once the lender reports it and the bureau processes it. TransUnion CIBIL, Experian India, Equifax India and CRIF High Mark all generate credit reports and scores from this lender-reported data.

पर्सनल लोनक्रेडिट कार्ड

25 सितम्बर 2026Credit report in India: how to check, read and fix itIn India, a credit report is maintained by credit information companies such as TransUnion CIBIL, Experian India, Equifax India and CRIF High Mark — it is a lender-reported record of your loans, credit cards, repayments, outstanding dues and credit enquiries. The Reserve Bank of India's credit information companies framework is the official starting point for understanding how these bureaus are regulated. For borrowers, the useful part is the account-level detail: what is active, what is overdue, who checked your report and whether any entry needs correction before you apply. Check your report before a home loan, personal loan, credit card or business loan application, after a loan closure, settlement or foreclosure, and after any suspected fraud.

25 सितम्बर 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.

पर्सनल लोन

25 सितम्बर 2026CIBIL dispute guide: what you can correct and how to raise one onlineA CIBIL dispute fixes wrong details on your credit report, like an incorrect overdue amount or a closed loan shown as active, not genuine late payments. Most account-level fixes still need the lender's confirmation. Here's how to check, file, and follow up.

पर्सनल लोन

25 सितम्बर 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.

पर्सनल लोन

25 सितम्बर 2026What is CIBIL score? Meaning, range and lender view in IndiaA CIBIL score is a three-digit credit score, usually ranging from 300 to 900, generated by TransUnion CIBIL using credit information reported by lenders. It summarises how you have handled reported credit accounts, such as loans and credit cards, in the past. For borrowers, the score matters because lenders may use it while assessing loan eligibility, credit card approval, interest rate offers, credit limits, tenure and pre-approved offers. These outcomes still depend on income, documents, existing obligations and lender policy. The number is useful only when you read it in context: what 750 means, why "no score" is not the same as a bad score, why a good score can still lead to rejection, and what to check before applying for credit.

पर्सनल लोन