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Your credit score is calculated and generated by credit bureaus who receive your credit information from the lenders. The computation of credit score varies from bureau to bureau due to the difference in the weightage given to the parameters. However, the variations may not be hugely different. Following is the range of weightage given to each parameter in credit score calculation.

Canara Bank offers attractive interest rates to a wide range of agriculture loan products. Below is the table that lists out the different rate of interests for different loan amount: 

Google Pay is one of the top payment facilitators through which you can send payments to people, service providers, users, merchants, and third parties using your BHIM UPI account. It lets you link your bank account or credit card through which you can effect payments. Similarly, you can also receive payments through the same channels.

Being a long-term saving scheme, an individual can open a PPF account through a post office of any public and private banks recognised by the Government of India. You can open the account with a minimum of Rs. 100. However, you need to deposit a minimum of Rs. 500 in a year and maximum of up to Rs. 1.5 Lakhs.

Canara Bank, one of India's largest and oldest public sector banks, offers a wide range of agriculture loans to assist the farmers and other agricultural employees. To assist farmers and others involved in agricultural and related sectors, the bank offers many agriculture credit packages.

Personal loan is a popular loan that can be availed easily from any bank without security. HDFC Bank provides pre-approved personal loans to both existing and non-HDFC Bank customers. You just need to check the eligibility by visiting their official website.

To check whether you are eligible for the loan, you need to visit the official website of the bank and check out loan section. You need to enter your personal and contact details. You will instantly know if you have a pre-approved offer. If you are a customer of ICICI Bank, you can just login to the net banking and see the eligible offers.

A term insurance policy is a form of life cover that provides financial protection to the nominees in the event of death of the policyholder within the policy term. If the insured survives the policy term, no benefits shall be payable to the beneficiaries. For this reason, the premium in a term insurance is lower than the whole life insurance plan which provides maturity benefits.

Yes, you can do a balance transfer from one credit card to another. This is much similar to a loan balance transfer, wherein borrowers switch to another lender for a low interest rate. When you have greater credit card debt and want to reduce the burden of higher interest rate, you may transfer the outstanding balance on your credit card to another card for a lower interest rate or no interest rate which could be available for a few months.

Public Provident Fund (PPF) is a saving schemes offered by the Government of India. It can be opened through any bank in India. The interest rate on the PPF account is revised every quarter. Generally, the interest rate ranges between 7% to 8%. It has a fixed tenure of 15 years up to which you cannot make any withdrawals. However, there is one exception that partial withdrawal can be made after 7 years of tenure.

A term insurance is a pure life insurance that provides no cash value and pure financial protection the beneficiaries. Term plans are cheaper when compared to the whole life insurance plans. The best term insurance plans depend on various factors and your requirement. You can choose the right term insurance plan that is best for you by comparing multiple plans, their features and benefits. Before buying a term insurance plan, look for the following features.

Yes, you can! But it can cost you a lot. Primarily, a credit card comes with a loaded credit limit up to which you can do any transactions. If you need immediate cash and don’t have money in your bank account, you can use your credit card at any ATM and withdraw cash. The withdrawal is allowed only up to a certain limit of your overall credit limit. Withdrawal will incur a fee of up to 3% of amount withdrawn. Moreover, interest is charged from the day you withdraw the amount.

A secured credit card can be easily availed against your fixed deposit, and it’s one of the best tools to increase your credit score if used smartly. Following are some of the good credit card habits that can help you get magnificent credit score.

A secured credit card can be easily availed against your fixed deposit, and it’s one of the best tools to increase your credit score if used smartly. Following are some of the good credit card habits that can help you get magnificent credit score.

An unsecured business loan is one of the ways to secure funds for your small business. It is easy to apply from banks, NBFCs and online lenders and get the amount disbursed in a few days. An unsecured loan helps you manage all type of needs for your small business. It could be for purchase of inventory, managing the working capital or all other small-time needs.

As a home loan is a secured loan, the chances are high to get easily approved for one. However, it is essential you fulfil certain general eligibility criteria. Following are the criteria that all lenders generally look for in a borrower.

Yes, it is possible to have multiple personal loans from banks as long as you meet their eligibility criteria. Also, the number of loans you have are dependent on your debt to income ratio and your credit score.

Equifax is a global information solutions company. It uses special data, new analytics, technology and industry experience to power organizations and individuals all over the world by aiding them to make informed business and personal decisions. They have a wide range of special products and services that include credit reports, data management, analytics, alerts and much more.

If you make your EMI payments for your personal loan on time and in full, your credit score will improve as you will be considered a responsible and creditworthy customer. This is very useful as a good credit score can get you better credit offers in the future.

As credit score is an important factor in determining your loan eligibility, you need to maintain a good score. There are three types of individuals: (i) those who have a good credit score (ii) poor credit score and (iii) no credit score.