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Indian man reviewing IDFC loan restructuring documents at home

Debt Management

IDFC Loan Restructuring: How It Works

IDFC Loan Restructuring is when IDFC FIRST Bank agrees to revise the repayment terms of an existing loan for a borrower facing genuine financial hardship. This may include changes to the EMI, loan tenure, or repayment schedule. The full amount owed is still repaid under the revised terms.

By Mohit Juneja | 22 July 2026

Portrait of a man representing borrower rights and protections in case of loan default

Debt Management

Understanding Your Rights as a Borrower – Even if You Default

Understand your rights during loan recovery as per RBI guidelines. Learn what lenders can and cannot do, and how borrowers can protect themselves from harassment.

By FREED India | 22 July 2026

Indian man checking CIBIL score on phone after paying credit card minimum due

Debt Management

Does Paying Only the Minimum Due Affect Your CIBIL Score?

Paying only the minimum due means clearing just the smallest required amount on your credit card bill, usually around 5% of the total. It does not directly damage your CIBIL score, but carrying the remaining balance forward every month increases your credit utilisation, which may influence how future lenders assess your credit profile over time.

By Mohit Juneja | 22 July 2026