A ‘Written Off’ status on your CIBIL report makes it tough for an individual to secure loans or credit in the future. But what does ‘written off’ really mean, and more importantly, is it possible to remove it from your credit report? In this guide, we’ll break down what a ‘Written Off’ status is, its impact on your credit score, and the steps you can take to recover from it.
A bad credit score is usually a score within the range of 300 to 599 on the CIBIL scale. It implies that the individual has a very low CIBIL score due to bad credit decisions like late payments, missed EMIs or other credit defaults.
Looking for a budget-friendly 5G smartphone that doesn’t compromise on performance? In 2025, the ₹20,000 segment in India offers a variety of feature-packed options, from powerful processors to vibrant displays and advanced cameras. Read along our list of top 10 5G smartphones under ₹20,000 that deliver excellent value for money.
Advance EMI or Equated Monthly Installment paid in advance, refers to the practice of making EMI payments in advance. Unlike regular EMIs that start after the loan amount is disbursed monthly, advance EMIs are paid upfront often before the loan amount is credited to your account
Pre-EMI stands for Pre-Equated Monthly Instalment and is primarily associated with loans for under-construction properties. Full EMI stands for Equated Monthly Instalments. It is the fixed monthly payment that the borrower is required to make after the personal loan is fully disbursed.
Investing in mutual funds is a great way to grow your money over time, but it’s important to weigh the risks and rewards. Finding the right balance between the two is key to making the best choice for your financial future. To help you out, here’s a simple guide that will walk you through mutual funds, so you can make informed decisions and pick the best options to meet your goals. Let’s dive in!
A CRIF (Centre for Research in International Finance) Credit Report is an overview report of your credit history. It is created by CRIF High Mark, a credit bureau in India. This report shows your financial behaviour which includes borrowing habits, loan and credit card details, repayment history. It also includes a credit score—a three-digit number (ranging from 300 to 900) that represents how good you are at managing credit. A higher score means you are financially responsible and have better chances of getting a personal loan or credit card approved.
Personal loans and business loans each serve a different financial purpose. Depending upon your financial requirement, you can opt for the type of loan that best suits you. Understanding the key differences between both will help you to make the best choice.
When we compare Dell and HP, Dell is often viewed as a more premium brand. Dell focuses on high-performance models like XPS and Alienware, known for durability, performance, and technology. HP on the other hand, is recognized for its stylish consumer laptops, especially in the Spectre and Pavilion ranges, and its leadership in printing technology.
Both personal loans and car loans come with their own set of benefits, depending on your needs. Car loans are perfect if you’re looking to finance a vehicle, offering lower interest rates and longer repayment terms.
Personal loans are a convenient option to access funds for varied expenses from weddings to home renovation. We have stated a few common reasons to choose a personal loan.This blog explores the top 8 reasons to get a personal loan.
A non-performing loan (NPL) is one where the borrower has not made any repayments of scheduled principal or interest for at least 90 days. To align with global standards, the Reserve Bank of India (RBI) has implemented the 90-day loan overdue norm (applicable since March 2004). NPLs are further categorized depending on the duration of the default.
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