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Debt Management

ICICI Bank loan restructuring happens when the bank agrees to change your loan terms, usually a longer tenure and a lower EMI, because you're facing genuine, temporary income trouble. Your account has to still be standard, not overdue. The bank decides case by case. It's relief, not loan forgiveness. The full amount still gets repaid, just on eased terms.

By Mohit Juneja | 22 July 2026

Debt Management

Loans for a 500 credit score are possible but limited. Banks mostly reject applicants below 600. NBFCs and lending apps may approve smaller amounts at high interest, often 24 to 36% a year. Secured loans against gold or FD work better. Fixing the score first is usually cheaper than borrowing around it.

By Mohit Juneja | 21 July 2026

Debt Management

A credit card minimum payment calculator estimates how long it takes to clear your balance, and how much interest you'll pay, if you only pay the Minimum Amount Due each month. For most Indian cardholders, that timeline runs into years, not months, because interest keeps compounding on what's left.

By Mohit Juneja | 21 July 2026