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Credit Card

Credit card settlement time is how long it takes from your first request to a settlement letter from the bank. There is no fixed period. It depends on the bank’s policy, your savings and how quickly the bank agrees. Each bank sets its own pace.

By Mohit Juneja | 22 October 2026

Personal Finance

पैसे की वसूली के लिए लीगल नोटिस फॉर्मेट एक लिखित मांग-पत्र का ढांचा है। इसमें पैसा देने वाला कर्ज़दार से बकाया रकम, कारण और भुगतान की आख़िरी तारीख़ माँगता है। यह कोर्ट का आदेश नहीं है। नोटिस हमेशा वकील से तैयार या जाँच करवाकर भेजें।

By Mohit Juneja | 22 October 2026

Debt Management

Kotak Bank EMI bounce charges may apply when a personal loan EMI cannot be collected on its due date. Depending on the applicable loan terms and fee schedule, the borrower may also owe penal charges or overdue interest. The exact amount depends on the lender’s current terms and the period for which the payment remains overdue.

By Mohit Juneja | 22 October 2026