Your go-to resource for financial wellbeing

Debt Management

Your credit report can contain errors, fraud, or outdated information you don't know about. Here's why checking it regularly protects your CIBIL score and your access to future credit.

By FREED India | 12 August 2026

Balance Transfer

RBL credit card balance transfer, called Transfer 'n' Pay, moves the outstanding dues on another bank's credit card onto your RBL Bank credit card. You usually get a lower rate, sometimes 0% for a short period. Instead of two due dates and two interest rates, you repay one card through fixed EMIs. It's pre-approved for most eligible RBL cardholders, so applying takes minutes.

By Mohit Juneja | 12 August 2026

CIBIL Score

Net NPA is what's left of a bank's bad loans (NPAs, loans overdue 90+ days) once you subtract the provisions it has set aside for losses. It's the number that tells you a bank's real exposure, not the headline figure. For a borrower, though, an NPA tag on your own account means something more immediate: an NPA tag on your own account may significantly affect your credit profile, lead to recovery activity, and make future borrowing more difficult.

By Mohit Juneja | 12 August 2026