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Credit Score
Mobile on EMI Without CIBIL Score: Which Retailers and Finance Companies Actually Offer It
Getting a mobile on EMI without a CIBIL score is possible in India. Several finance companies, including Bajaj Finserv, Home Credit, and BNPL platforms, approve consumer durable loans based on income, documents, and internal scoring rather than a bureau score. Most large retailers, from Croma to Reliance Digital, partner with at least one such NBFC. The conditions and interest rates differ significantly from standard credit-card EMI.
By Mohit Juneja | 31 August 2026
Credit Score
Does a Bounced Cheque Reduce Your CIBIL Score?
A bounced cheque will reduce your CIBIL score, but only under certain conditions. If the cheque was for an EMI or loan payment and the bank reports the missed payment to the credit bureau, your score drops. If it was a casual personal cheque with no loan linked to it, your score isn't touched. The damage depends entirely on what the cheque was for and what the lender does next.
By Mohit Juneja | 31 August 2026
Personal Finance
Small Loan Without CIBIL: Options for Salaried Borrowers
A small loan without a CIBIL history means borrowing money when you have little or no credit history for lenders to score, common for first-jobbers or anyone who's never taken a loan or used a credit card before. Salaried borrowers in this position still have real, lender-backed options, alongside a fast-growing set of instant-loan apps that look easy but often lead straight into a debt trap.
By Mohit Juneja | 31 August 2026
