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What Is a CIBIL Score and How Is It Calculated?
A CIBIL score is a three-digit number from 300 to 900 that summarises your credit behaviour. Learn what affects it and what counts as a good score.
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Credit Card Utilization: Why 30% Matters and How to Lower It
Credit utilization is the share of your limit that you use. Understand the 30% guideline, how to calculate it and quick ways to lower it.
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Emergency Fund: How Much You Need and Where to Keep It
An emergency fund keeps you from borrowing in a crisis. Learn how big it should be, how to build it step by step and where to park the money.
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ATM Cash Not Dispensed but Account Debited? What to Do
If an ATM debits your account without giving cash, act quickly. Learn the steps, the refund timeline and the compensation you can claim.
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How to Spot Fake Loan Apps and Phishing Messages
Fraudulent loan apps and fake messages are growing. Learn the warning signs, how to verify a lender and what to do if you have been targeted.
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Gold Loan: How It Works, LTV Limits and What to Check Before You Borrow
A gold loan gives quick cash against your jewellery. Learn how much you can borrow under RBI LTV limits, how interest is charged and the risks to avoid.
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MUDRA Loan Guide: Shishu, Kishor and Tarun Categories Explained
MUDRA loans support micro and small businesses without collateral. Understand the Shishu, Kishor and Tarun categories, who can apply and how to get one.
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Home Loan Eligibility: How Banks Calculate How Much You Can Borrow
Banks check income, existing EMIs, age, credit score and property value. See a worked example of how a loan amount is worked out from your income.
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How Is EMI Calculated? The Formula, an Example and How to Lower It
EMI depends on the loan amount, interest rate and tenure. See the formula, a worked example with the interest and principal split, and ways to reduce your EMI.