2019-06-08 07:42
The credit score plays a significant role in your financial life, which makes it an important parameter that you can’t afford to ignore. It will determine the rate of interest that you… Read More
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Credit Sudhaar Blog - Tips To Improve Your Credit Blog
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Read everything about your credit score, credit health, bureaus in India and many more to improve and maintain your credit report.
2019-06-01 11:17
If you want a safe and secure financial life, then it’s really important that you check your credit report from time to time. It’s one of the most important documents that you ne… Read More
2019-05-24 11:56
To determine how long it will take to get your credit score up to 750 all depends on what the score is to begin with.
If it is low because you haven’t availed of credit before, it may… Read More
2019-05-17 05:21
Most people take home loans when they wish to get a place of their own. This is because real estate can be quite expensive, especially in metro cities like Mumbai, New Delhi, Pune, etc. Howe… Read More
2019-05-07 12:15
People take loans for various reasons viz. marriages, medical expenses, foreign trips, higher education, etc. However, the problem is that traditional lenders don’t sanction personal l… Read More
2019-04-19 09:12
If you are planning to take a personal loan to bridge the gap in monetary need for a house, or to meet certain other expense like a marriage, education or on account of some exigency, you mu… Read More
2019-04-16 12:11
If you were to ask anyone with old school of thought, he would only ask you to refrain from overspending. For ages, the Indians have been prudent in both their borrowing and spending. While… Read More
2019-04-15 13:19
And people thought that the myth were only related to history. There are umpteen on financial front. While one may think that a home loan may be a simple product, which indeed it is, but sti… Read More
2019-04-12 12:27
A personal loan is one of the most common types of loans that are taken by both individuals and businesses. If you have taken one yourself, then the following are some of the important thing… Read More
2019-04-09 12:52
All of us want to be financially successful. While this success may have a different yardstick for different people, but the fact remains is that the definition remains the same. Broadly it… Read More
2019-04-08 12:27
As a parent, it’s your responsibility to take care of your children and teach them some of the most valuable lessons that can help them live comfortable lives. These include lessons ab… Read More
2019-04-05 12:10
We are all surrounded with various types of debts and the market s designed in such a way that you will be bound to apply for a loan or a credit card in some way or the other. It can be on t… Read More
2019-04-02 08:09
DIY or do it yourself is the buzz word. Many individuals like to file the returns themselves through various online portals. Not only are these convenient but quite reasonable in comparison… Read More
2019-04-01 12:36
This is the time of the year when a lot of individuals invest in various instruments to save taxes. Also come April, every single tax payer will plan for the instruments that will help him i… Read More
2019-03-30 12:13
Friends are for life! This is what we have heard and felt in many ways during our life quest. But there is one friend with whom you share your joys, sorrows and secrets. This can be your chi… Read More
2019-03-29 11:22
Sick of the old style kitchen and wish to have a modern, more spacious and well lit kitchen for yourself. Has your family grown and you need to create additional room. Do you wish to redo th… Read More
2019-03-19 12:26
Finances are indisputably as important as the physical wellbeing of an individual. The care that one takes on physical front during his youth helps him throughout his life. Similarly, being… Read More
2019-03-18 12:24
Buying a property for investment is a big decision. One can find innumerable examples around him who would have made big money by investing into real estate. While such instances testify one… Read More
2019-03-15 13:06
If you have applied for a loan or intend to apply for one in the foreseeable future you would know that all lenders have a set of guidelines that must be followed for any loan approval (here… Read More
2019-03-14 13:18
When one’s credit card application gets approved, the implied meaning that he carries good credibility is a reason to cheer. But when the same application gets declined, the applicant… Read More
2019-03-12 13:00
Gone are the days when success was deemed to be linked to the age of an individual. Earlier it was assumed that life progressed in a linear way and one could achieve financial success or bec… Read More
2019-03-08 12:52
Gone are the days when it used to be only men’s task to think about finances and investments. Women today are strong, independent and can think for the future better! However, women in… Read More
2019-03-07 13:02
Personal loan is a great product that helps one meet the requirements of a limited funds for a short duration. However, being an unsecured loan, the lending institutions are not very optimis… Read More
2019-03-06 12:42
Owning a home is desired by one and all. However, given that this desire can only be fulfilled with large amount of funds, it continues to remain a desire for a lot of people. And when the t… Read More
2019-03-04 12:26
Credit card companies are churning out variants of cards at a very fast paced. There are so many product variations that at times it can be confusing for one to decide which card to apply fo… Read More
2019-02-28 12:35
Personal loan is a popular credit product in India. And for valid reasons this form of loan has gained so much popularity. Increasingly people are opting for personal loan to meet various fu… Read More
2019-02-26 13:07
Education loans give the wings to youth and help them in access to higher and specialized education. There is no doubt that the education loan is facilitator of improvement of skill set, how… Read More
2019-02-25 12:03
Summer is just round the corner and the new financial year is also just weeks away. Some of you may be planning to buy the new car. You shall be able to get a good deal with little research… Read More
2019-02-23 12:39
Planning is everything. We plan doing on a lot of things in life and try our best to achieve them. But many a time things do not go according the plan and you will have to make a plan B and… Read More
2019-02-22 11:32
Car loans are taken by someone who wants to buy a car for their personal use. Commercial vehicle loans are loans that are taken for buying commercial vehicles like buses, trucks, heavy mixer… Read More
2019-02-05 13:06
When two or more applicants apply for a home loan together, it is known as a joint home loan. Joint loans offer many advantages; enhanced loan eligibility, better tax planning, increased cha… Read More
2019-02-04 13:10
Buying a home of your own is easily one of the best financial decisions that you will make in your life. After all, it makes sense to pay home loan EMIs rather than rent that won’t amo… Read More
2019-01-31 12:59
Every coin has two sides to it. Same stands true to internet as well. On one hand the internet has given us the convenience of accomplishing host of activities just at the click of the mouse… Read More
2019-01-29 13:26
Obtaining personal loans is hard, and it’s even harder when you don’t have stable employment. After all, a lender wants to ensure that you have the financial capacity to repay th… Read More
2019-01-28 13:33
Good education is important but it rarely comes cheap. This is why a large number of meritorious students in India take education loans. If you are planning to take one yourself, then this b… Read More
2019-01-24 12:50
A house is easily one of the most expensive things that you buy in your life. Since most people take a loan to finance that investment, it pays to learn how the system works, and most import… Read More
2019-01-23 12:40
We live in a consumerism driven society and a big percentage of individuals have exposure to credit. In such a scenario, falling short on the funds towards the month end or on account of som… Read More
2019-01-22 06:43
Credit card is a great instrument that provides both convenience and credit facility on the go. However, it comes with its own risks. Stories about card holders getting duped by fraudsters… Read More
2019-01-19 12:09
The credit card is the most popular credit instrument for all good reasons. But as the saying goes that everything has a darker side as well, stands true to this otherwise fantastic product… Read More
2019-01-18 12:24
Most of us are not fond of paying taxes even though we are aware that the tax that we pay is ploughed back by the government to provide its citizens basic infrastructure and amenities. Any o… Read More
2019-01-17 13:17
We live in a time where innovation is leading the fintech industry. As we are inching towards a complete “cashless” society, there has been a considerable rise in flexible finan… Read More
2019-01-14 12:57
Is Pay day loans the right product for you? Or even if you are considering it what factors should you be evaluating the loan on before applying for same? At this nascent stage, when people a… Read More
2019-01-10 13:32
Buying a house is indeed one of the most important decision in one’s life. A lot goes into planning before one is able to arrive at this significant decision. Choosing the area to live… Read More
2019-01-08 10:13
PPF is a great saving instrument that helps in having a high interest earned over the invested amount apart from making the amount completely non taxable as and when it gets withdrawn. Apart… Read More
2019-01-07 09:49
Nothing is more liberating and empowering than buying your own home. It gives you a sense of accomplishment and safety that you can’t get when you live in a rented home or apartment. B… Read More
2019-01-03 12:06
As we near the end of the year 2018, it is that time of the year when there is nip in the air and it’s also the time to take stock of the year gone by. Yes it’s time to take revi… Read More
2019-01-02 12:17
Money is one of the most important elements of anyone’s life. A stress on financial front can be highly stressful and even devastating at times. So one needs to plan well to be able to… Read More
2018-12-28 11:58
As per the landmark judgement of The Supreme Court of India, the world’s largest biometric system, Adhaar, cannot be mandated by the lending companies to be used as the KYC document. B… Read More
2018-12-27 10:25
We tend to make huge purchases in our lifetime like expensive phones, a big home entertainment system for your house, etc. But buying a house has a different kick to it. There is nothing mor… Read More
2018-12-24 08:13
We are approaching another year end and this time of the year is a good time to utilize your unused holidays and take a vacation. It is also a good time to celebrate Christmas or ring in the… Read More
2018-12-21 12:53
Gold loans are extremely popular in India mainly because of the popularity of gold jewelry in Indian culture. Most households have a decent amount of jewelry at home which they can use to ge… Read More
2018-12-20 13:05
There are many types of loan available in the market. Each loan is designed to fulfill one need or the other. What is gaining popularity lately is one type of a loan which is called personal… Read More
2018-12-18 12:13
Credit cards are integral part of urban lives today. While for some, a credit card may still be the convenient way of purchasing and paying later; there are those who derive greater benefits… Read More
2018-12-17 12:32
Pre-approved loans are more common than you think. If you have a good credit score and high income, then you may have received a call or SMS from your bank yourself saying that you are quali… Read More
2018-12-14 12:18
Whether you are a college student or a salaried professional, everyone can benefit from a credit card. However, if it’s your first time picking one for yourself, then you might find th… Read More
2018-12-12 13:04
Access to credit is quite easy these days. From an inexpensive mobile phone to a house, the loans are available to meet all kinds of needs. And thus, it is quite possible for one to opt for… Read More
2018-12-11 11:26
A roof over one’s head is a cherished dream that most middle class salaried individuals dream of. However, despite the presence of many financial institutions who are willing to dole o… Read More
2018-12-10 13:08
Annual Percentage Rate or APR as it is called is the most effective way to calculate the cost of borrowing. One may assume that the interest that gets charged is the cost that one has to pay… Read More
2018-12-06 10:54
So you are all gung ho about starting off a new venture that you have conceptualised for years. In your preparation for bootstrapping your start up, you may have even kept some funds aside… Read More
2018-12-04 12:26
Credit cards make our lives easier in many ways. They make purchasing expensive items like two-wheelers, air conditioners, etc. more affordable with EMI structure, offer discounts and cash b… Read More
2018-12-03 12:03
When an individual is on the hunt for a good property at a cheap price, a property under auction may come across as a lucrative option. Properties which owners are unable to repay for after… Read More
2018-11-29 12:57
Disha and Bharat. A very dedicated couple in their late 20s and married for almost 5 years after an affair of 8 long years. Both are working, staying in a metro city – Mumbai. They bot… Read More
2018-11-27 12:29
Ramesh Sarin works with a leading company. Earning a modest 50 thousand per month, he has been living within the means. However, he was in need of immediate funds and applied for a personal… Read More
2018-11-26 10:53
A loan is an obligation that needs to be paid over a long term. In case of a home loan the term can well be up to 30 years. This is a very long period. And any loan where the repayment is to… Read More
2018-11-23 12:42
Credit cards are easily one of the most profitable products of the banks and other financial institutions. They help to create a habit of purchasing which is beneficial to the card issuer as… Read More
2018-11-22 13:21
Repaying a home loan is certainly a herculean task. While car loans and personal loans usually have a term of less than 5-10 years, home loans are set for a term of at least 15 years. So, it… Read More
2018-11-20 12:52
A medical emergency can come unannounced for just about anyone at any time. With the health of a loved one at stake, you are ready to take all chances. However with medical costs soaring, fi… Read More
2018-11-19 13:08
Most people don’t buy more than one house in their lifetime. With the housing prices already reaching new highs, it’s safe to say you will make one of your biggest investments in… Read More
2018-11-16 12:15
When you know that you have overspent your credit card, your first instinct is to relieve yourself of your guilt by paying the minimum amount due on your card. Making minimum payments on cre… Read More
2018-11-15 12:38
A personal loan is a blessing in times of financial crunch, but it is also a responsibility till the loan is repaid in full. Many unexpected situations in life like loss of a job, accident o… Read More
2018-11-13 12:48
Today, the fintech industry is spearheading the digital evolution in the financial domain. As more and more people have started using the online services including payment of bills, investme… Read More
2018-11-12 12:55
Home loan co-applicant is a common phenomenon these days. Banks and other housing finance companies insist for a co-applicant in most of the cases. But the question of who can be the co-appl… Read More
2018-11-05 12:57
A roof that you can call your own is a cherished dream for most of us, and as salaried individual a home loan is the best option. Most potential borrowers however stumble at the very first s… Read More
2018-11-02 11:33
Repaying a home loan can be a huge challenge for many people. This is because home loans tend to have long tenures (15-30 years) which means you under a constant financial strain for decades… Read More
2018-11-01 12:51
One of the most popular festivals in India i.e. Diwali is just around the corner. Naturally, every small and large business, shopping complex, and ecommerce store is busy is rolling out attr… Read More
2018-10-30 12:51
There are a lot of things which you plan for your retirement. A retirement is a stage where, you think of having no financial burdens on your head and try to live a happy life.
As we all kn… Read More
2018-10-29 11:34
“Money is needed to make more money” as the saying goes, actually stands true to investment in coins. Numismatics is fast gaining attraction as an alternate investment and an ass… Read More
2018-10-25 11:48
Having your own car has a number of advantages. For starters, you don’t have to depend on public transportation which can be unpredictable at times. You can also enjoy family road trip… Read More
2018-10-23 12:37
Being financially independent is important as it gives the individual the confidence to live life in a dignified manner and make choices independently without having to rely on the whims of… Read More
2018-10-22 13:08
Money is an important aspect of life. Our whole survival depends upon how we manage money. But still there is little focus on teaching money management to the next generation. While the pare… Read More
2018-10-19 12:55
Everyone harbours the dream of buying a house of one’s own. Finalizing the location, size, layout and other such parameters is a daunting task. Several factors like accessibility, pric… Read More
2018-10-16 12:49
There are lots of understanding gaps on what a personal line of credit is, how does it work and how to get maximum advantage of the product. Let us look at correcting the perceptions, ideas… Read More
2018-10-15 13:26
Do you plan to give a car to your parents? That is quite a good thought. But read on to know what all you should be taking into consideration before deciding on this.
New or used car
This is… Read More
2018-10-11 13:17
Credit card is a great instrument which if used correctly can help in many ways. From building good credit profile to acting as a funds back up in time of an exigency, the plastic in one&rsq&hell…Read More
2018-10-09 11:41
Planning to purchase a car this festive season? It can actually be a daunting task give that all family members have a preference and choice. Moreover, if one is a first time buyer, the purc… Read More
2018-10-08 13:06
Life expectancy has increased in current times, which means people are living longer than before. So unlike before the life span after retirement is not restricted to 10-15 years but may go… Read More
2018-10-04 11:40
Travel can be expensive. Especially when you are planning to take an overseas trip. The travel cost itself is quite substantial and then there are all other costs like hotel, local travel, t… Read More
2018-10-01 13:14
Given the large amount of money required to buy the house, most aspiring home owners will go with the option of picking up a loan to be able to fulfil their dream. Following is the list of a… Read More
2018-09-27 13:27
If you were to lend money to someone on personal front, the repayment would be the foremost factor that would get considered. This would be despite you having to know the borrower personally… Read More
2018-09-25 10:36
A common perception is that commerce and retail are same thing since both are related to sale of goods. While both are actually related to sale, there is a big difference in both of them. Wh… Read More
2018-09-24 07:43
With the retail inflation in India touching the 5% mark in June, the Reserve Bank of India increased its short term lending rate or repo rate by 25 bps or 0.25% per cent for the first time i… Read More
2018-09-20 07:09
Banks and non-banking finance companies (NBFCs) play a similar role in the financial world. Both provide loans to customers with varied profiles and leave no stone unturned in reaching out t… Read More
2018-09-18 11:21
You should never settle for anything in your life. So, there is no reason why it should be any different when it comes to buying a new car. The question is- how do you arrange money for an e… Read More
2018-09-17 13:21
The use of credit is omnipresent in this modern age. You are unlikely to find any individual around you who does not use a credit card or two. While millennials have embraced the use of cred… Read More
2018-09-14 08:59
So you have zeroed down on the property and are not looking at getting that loan that will help you get into that property as quickly as possible. While the sentiment to start staying into o… Read More
2018-09-11 12:59
Life without that shiny piece of plastic called your credit card is almost impossible to imagine today! In the modern day we use these cards to purchase everything from groceries to gadgets… Read More
2018-09-10 12:37
One of the best ways to buy an expensive car is to get a car loan which is also one of the most popular options for the young professionals in India. However, what are you to do when the mon… Read More
2018-09-06 11:58
If you are applying for a home loan, then you are likely to come across the term “Loan to Value Ratio” which is also called the LTV ratio. But what is it?
Simply put, the LTV rat… Read More
2018-09-05 12:30
One would want to have money to address all his needs. Regular ones and the ones that arise out of blue without any earlier indication. However, that may not be true at all times. One may be… Read More
2018-09-04 12:45
Just about five years back, the borrower had to go through the long process of applying loan, submitting income and KYC documents and then wait for the decision to be communicated on the lo… Read More
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