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Personal Finance
Mental Harassment by a Bank: What Counts, What You Can Do
Mental harassment is not simply a label for an unpleasant recovery call. Depending on the conduct and the forum involved, borrowers may be able to seek redress for harassment, mental anguish or loss caused by improper recovery practices. It covers a pattern of conduct, repeated abusive calls, threats, or contact with your family, designed to cause psychological distress beyond the legitimate purpose of collecting a debt. It comes with a real compensation remedy, not just a complaint.
By Mohit Juneja | 21 August 2026
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
