Credit Score & CIBIL News India
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CIBIL score updates, credit report improvement, bureau news and dispute resolution.
📰 Latest Credit Score & CIBIL News
Credit Card vs Loan: Which Debt Costs You More?
Carrying both credit card dues and a personal loan? Experts say always attack the credit card first — its 36–48% interest rate can double your debt faster than you realise, while a personal loan sits at a comparatively manageable 12–20%.
mint - money74% First-Time Borrowers Pick NBFCs: Why?
A new FIDC-CIBIL report shows 74% of people getting their first-ever loan in India go to NBFCs, not banks. If you have no credit history, here is why NBFCs are often your only real option — and what to watch out for.
mint - moneyClosed Card Still Active on CIBIL? Fix It Now
Closed your credit card but CIBIL still shows it as active? This error can hurt your credit score and block loan approvals. Here's exactly how to spot it and get it corrected fast.
The Financial ExpressLoan Repaid but CIBIL Still Red? Fix It in 3 Steps
Even after fully repaying a loan, your CIBIL report may still show it as outstanding. This error can tank your credit score and hurt future loan approvals. Here's how to spot and fix it fast.
Zee BusinessIndia's ₹142L Cr Loan Boom: Is Your Debt Safe?
Indians owe ₹142 lakh crore in retail loans — up 18% in one year. Most of this growth is in unsecured personal loans. Here's what that means for your EMIs, credit score, and borrowing power.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsPaytm-Visa: ₹600/Year You're Leaving on the Table?
Paytm and Visa have teamed up to offer discounts on metro travel, mobile recharges, and utility bills for eligible Visa cardholders through December 2026. Most users don't know they qualify — here's how to claim it without hurting your credit score.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsHigh Credit Limit, Low Use: Your CIBIL Wins?
Having a high credit card limit but spending little of it lowers your credit utilisation ratio, which is one of the biggest factors in your CIBIL score. Here's exactly how it works and what you should do.
The Economic Times5 CIBIL Tricks: Get Loans at Lower Rates Fast
Your CIBIL score decides if you get a loan and at what interest rate. These 5 simple habits can push your score above 750 and help you borrow cheaper and faster.
mint - moneyPaid Off Your Loan? CIBIL Takes 45 Days to Update
Clearing your personal loan doesn't instantly boost your credit score. Lenders report repayment data to credit bureaus like CIBIL only once a month, and bureaus take extra time to update records — so your score may lag by up to 30–45 days after you pay off that final EMI.
Livemint800 CIBIL Score? 5 Reasons You Still Get Rejected
Having an 800+ credit score feels like a golden ticket, but lenders check 5 other factors too. Your income, existing EMIs, employer type, and loan purpose can all get your application rejected even with a perfect score.
Livemint7 Car Loan Mistakes That Cost You ₹2L+ — Sep 2026
Taking a car loan in 2026? Seven common mistakes — like skipping loan comparisons, paying too little down, or ignoring processing fees — can quietly add lakhs to your total repayment. Here's how to dodge them.
India Car News780 CIBIL Score, Loan Rejected: What You're Missing?
A high credit score alone does not guarantee home loan approval. Lenders also check your income stability, existing EMIs, property value, and documents before saying yes to your application.
mint - moneyPaying ₹1,200/month for CIBIL Help? Free Tools Exist
Apps like BankBazaar, GoodScore, and OneScore now sell paid credit-health plans. Before you subscribe, know what's free, what's genuinely useful, and what's just upselling your own data back to you.
mint - moneyHigh Salary, Low CIBIL? 5 Habits That Cost You
Your income and CIBIL score are not connected. Banks judge your creditworthiness based on repayment history, credit utilisation, and loan mix — not your salary. Even high earners can get loan rejections with a poor credit score.
mint - moneyMissed 6 EMIs? Here's What Banks Can Do to You
Defaulting on a bank loan is serious but you won't go to jail for it in most cases. Banks can take your assets, wreck your CIBIL score, and sue you — but the law protects you too. Here's what actually happens.
mint - moneyCredit Limit Hike Offer: 6 Ways It Helps Your CIBIL
Your bank just offered to raise your credit card limit. Before you say yes or no, here's what it actually does to your CIBIL score, your borrowing power, and your spending habits — in plain English.
mint - moneyAI Payments: How 4B Deals Change Your Loans?
Fintech companies are building AI models trained on billions of payment transactions. This could soon decide your loan eligibility, flag fraud instantly, and personalise your credit limits — all without a human looking at your file.
Latest Money & Banking, Financial News Today - news | The HinduBusinessLineIndia's Credit Boom: Who Gets Left Out?
India's loan market is growing fast, thanks to digital lending and fintech. But millions of salaried workers, farmers, and small business owners still can't get a bank loan. Here's why — and what you can do if you're credit-invisible.
mint - moneySmall Loans Under ₹2L: Are You Borrowing Smart?
More lenders are entering the small personal loan space targeting middle-class borrowers with loans of ₹1–2 lakh. Before you take one, here's what you must know about costs, traps, and smarter alternatives.
Latest Money & Banking, Financial News Today - news | The HinduBusinessLineClosing a Credit Card? Your EMIs Don't Disappear
Cancelling a credit card with ongoing EMIs doesn't erase what you owe. Banks charge foreclosure fees, may accelerate full repayment, and your credit score can take a hit. Here's what to check before you close.
mint - moneyWrong ITR Schedule? Your Gratuity Deduction at Risk
Filing your ITR under the wrong schedule can get your gratuity tax deduction rejected. But a Chennai tax tribunal ruled that a genuine deduction cannot be denied just because it was reported in the wrong part of the form.
Wealth-Economic Times0% EMI Apps: 6 Hidden Costs You're Missing?
Super.money, backed by Flipkart, now lets you buy Apple and Nike products in interest-free instalments inside its app. Sounds great — but 0% EMI deals often hide fees, lock you into specific sellers, and can quietly hurt your credit score if you miss a payment.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsEPFO Shifts UAN Activation: Do This on Umang Now
EPFO has shut down UAN activation on its main portal. Now, all employees must activate their Universal Account Number only through the Umang app. If you haven't done this yet, you can't access your PF balance, file claims, or transfer funds.
mint - moneyNPS Cut-Off Now 1:30 pm: Does Your SIP Qualify?
PFRDA has moved the NPS same-day investment deadline from 11 am to 1:30 pm. If you contribute before 1:30 pm on any working day, your money gets invested that same day — no more waiting until the next business day.
mint - moneyREITs Pay 90%: Is Your 'Safe' Income Actually Risky?
REITs look like FDs because they pay regular income, but they are stock-market-linked investments. Prices can fall, payouts can shrink, and your capital is at risk — just like any equity fund.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsSpouse Has Govt Quarter? Your HRA Claim Is ₹0
The Finance Ministry has clarified that if one spouse in a central government employee couple is allotted government accommodation at the same posting station, the other spouse cannot claim House Rent Allowance — even if they are paying rent separately.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsGrey Market Buys: Only 10% Taxed — Know Your Risk
If your business buys goods without proper bills, tax authorities can add only the estimated profit portion — around 10% — to your income, not the full purchase value. But other risks like cash payment disallowances still apply.
taxguruinPost Office MIS: Earn ₹9,250/Month as a Couple?
The Post Office Monthly Income Scheme lets couples pool money into a joint account and earn guaranteed monthly interest for 5 years. At 7.4% per year, two people can invest up to ₹15 lakh together and pocket over ₹9,000 every month — no market risk.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsEmergency Fund Earning 3%? You're Losing ₹9,000/Year
Keeping your emergency fund in a basic savings account is costing you real money. Sweep-in FDs and liquid funds both beat savings rates — but each works better in different situations. Here's how to choose.
Wealth-Economic TimesAI at Your Bank: Is Your Account Data Safe?
Indian banks are adopting AI agents to automate tasks like fixing transactions and detecting fraud. But these AI systems can quietly access sensitive systems on their own — putting your bank account data and money at real risk.
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