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Latest Blogs
CIBIL Score
What Is the Best CIBIL Score You Can Have
There is no single CIBIL score that guarantees the best loan terms. A score of 750 or above is generally considered strong, but the score that gets you the best rate or approval depends on the lender, loan product and your overall financial profile. Above it, most banks already treat you as top-tier, chasing higher than that has very little practical payoff.
By Mohit Juneja | 21 August 2026
CIBIL Score
What Is a CRIF Report and Why a Lender Might Ask for It
A CRIF report is a credit report issued by CRIF High Mark, one of four RBI-licensed credit bureaus operating in India, alongside CIBIL, Experian, and Equifax. It shows the same kind of information as a CIBIL report, your loan and card history, repayment record, and a 300-900 score, but pulled from CRIF's own database, which some lenders specifically prefer to check.
By Mohit Juneja | 21 August 2026
Personal Finance
What Happens If You Only Pay the Minimum, Every Month
Paying only the minimum due every month keeps your account technically current, but it doesn't mean your debt is shrinking the way it looks. Interest continues to accrue on the unpaid balance, while new spending can add to the amount you owe.
By Mohit Juneja | 21 August 2026
