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Each credit bureau has their own way of computing a credit score. The algorithm of how the credit score is calculated will differ and thus the credit score that all three bureaus calculate will not be the same. Banks report your credit activities to the credit bureaus who have different mechanism to arrive at the credit score.

Personal loans are unsecured loans and can also be secured loans sometimes that can be availed for meeting your immediate financial needs. If you are planning to go on a trip and are in need of funds, then you can go for a personal loan.

Getting into a saving investment scheme will always help in the long run. Saving up money for future needs is always a necessity because when you are facing off with a financial emergency, it will help you a lot. One such investment scheme is the Post Office Monthly Income Scheme (POMIS) which was introduced by the Indian Postal Service.

ELSS (Equity Linked Savings Scheme) funds are a kind of mutual funds that qualifies for tax deductions under Section 80C of the Income Tax Act. Investing in ELSS brings you better returns compared to other investment schemes in terms of having a minimum period of 3 years of a lock-in period as the returns that are generated are just partially taxable. ELSS is also subject to long-term capital gain tax at 10%.

ICICI Bank offers some of the best credit cards in the market. These cards come with a number of benefits and advantages for the users. 

You can check your HDFC Bank credit card balance by following six different ways

A credit score has a direct impact on your financial health. Not all financial products are offered to everyone, banks or any other lending institutes will look at your credit score before making any lending decisions. Your credit score describes the risk associated with your credit profile. If you have a low credit score, banks will be hesitant to sanction your credit application as they would feel you are too risky to take a loan.

Yes, it is possible to make your credit card payments through paytm wallet.

A credit score is a three digit number that ranges between 300 – 900 and reflects your credit worthiness. Lenders look at your credit score before making any lending decision. A credit score of above 750 is considered as a good score.

You will have to physically visit a bank and fill in the required form to request for a change in your registered mobile number. Once the bank receives your request, it will verify all your credentials and other information to initiate the process. This process usually will take 5 to 7 working days for your new mobile number to get updated. 

For any business to kick start and function smoothly, you will have to pump in money. Sometimes it is not very easy to arrange funds immediately to finance your business. This is when small business loans can come to your rescue. Now a days there are many options that a start up owner can approach for funds, Short-term Loans, Lines of credit, Equipment Loans, startup business loans.

There are a lot of public and private banks that provide business loans to varied individuals. Getting the best loan depends on a lot of factors, and the best bank would be the one that provides the loan at lesser interest rates. To put it simply, if a bank agrees to give you a business loan at a lower interest rate than all other lenders, then that is the best bank for you to get the loan. However, it is not possible to say that would be the best bank for someone else.

Following are some of the popular tax saving options under various sections: Section 80C: This is the most popular option, and following investments can be used for tax deduction for up to Rs.1.5 Lakhs.

To pay your Axis Bank credit card bills through Paytm, follow these steps: Open Paytm App.  A screen will appear with different icons to Recharge or Pay for.    

Bad credit can be burdensome especially when you need a fresh credit from a bank, and you are denied. It can be stressful to have bad credit in such pressing situations. To be honest there are no shortcuts to improving your bad credit score. But there is certainly a way to get relief if you follow responsible credit behaviour.

The purpose of consolidation loans is to repair your credit score. It is considered as one of the best ways to improve your credit score. When you have multiple credits and are unable to repay them on time, you can take out a debt consolidation loan and repay all of them. By repaying all the other loans, your multiple credits are closed positively with 100% repayment record. You will now have a single loan i.e. debt consolidation loan

It’s hard to determine the best credit card available. It all depends on your income, credit score and eligibility. The greater is your credit health and income, you are guaranteed to become eligible for awesome credit cards with numerous benefits. Moreover, it also depends on the type of credit card you choose based on your spending habits.

The overdue amount on any personal loan would fall under the unpaid EMI for the specific month. The borrower has failed to pay the EMI on or before the due date. Failure to pay the EMI on-time may result in a penalty that would be a certain percentage of the EMI.

Personal loans are unsecured loans. Due to this, lenders want to be doubly sure that you are able to repay the loan.  Personal loans are not bound by salary slips. But, most lenders will ask you to submit proof of income. Personal loans are offered to both salaried and self-employed individuals.

Both HDFC Bank and ICICI Bank are the leading private banks in the country, offering a wide range of credit cards to their customers. The minimum income requirement for credit cards of both the banks differ based on the type of credit card. Targeting different levels of customers based on their incomes, the credit cards are designed accordingly and provide different features

Personal loans from Tata Capital are flexible. Interest rates are fair and tenure periods are longer. Eligibility while considering an individual’s salary is less. The fees and charges are not too much either. You can decide the quantum of the loan according to your needs and pick the EMI that you are comfortable with. There is no need of collateral or any kind of security.