The introduction of the RuPay credit card by NPCI (National Payments Corporation of India) marks a significant step forward for India’s digital payments infrastructure. Issued by several Indian banks as co-branded cards, RuPay credit cards provide a secure, cost-effective and locally focused alternative to international payment networks. These cards are popular for cashless transactions because … Read more

Stress has become a major problem for many millennials, who are juggling demanding careers with little time to enjoy life. They spend long hours on projects, reports and targets, and when they’re off the clock they often worry about debt, savings and daily expenses. In recent years India’s economy has been volatile, with companies scaling … Read more

Applying for a new Aadhaar card begins with an online enrollment appointment. Whether you need a first-time Aadhaar or want to update existing information, the Unique Identification Authority of India (UIDAI) provides a straightforward online process. Your Aadhaar is a 12-digit identity number that links key personal details—name, date of birth, and permanent address—and is … Read more

Highlight: A productive work culture is essential. Discover how investing in a positive and productive work culture increases productivity and health. The work culture of a company is its personality distilled into everyday practices. It is formed by the values, expectations, behaviours, and systems that shape how people interact and perform. A healthy work culture … Read more

Credit scores strongly influence how quickly you can obtain credit and under what terms. Responsible use of a personal loan can help you build a solid credit history, making you eligible for faster approvals and lower interest rates in the future. Below is a clear explanation of how a personal loan affects your credit score … Read more

Highlight: With rising cases of the COVID-19 Omicron variant, it’s important to revisit workplace safety measures to prepare for the possibility of another pandemic wave. The World Health Organization identified the Omicron variant (B.1.1.529) in southern Africa in November 2021. Since then, cases have increased across multiple countries, and evidence suggests this variant can spread … Read more

Filling out a cheque correctly ensures your payments are processed smoothly and protects your finances from errors or fraud. Following the correct steps avoids delays, dishonours, and other processing problems. Read on to learn how to complete a cheque accurately and understand its components and types. What is a Cheque? A cheque is a written … Read more

Personal loans are a popular option when you need quick funds for planned or urgent expenses. Many personal loans offer flexible repayment tenures, allowing you to choose a term that suits your finances. Opting for a longer tenure lowers your monthly EMI, making payments more manageable, but longer commitments can also be harder to handle. … Read more

A non-performing asset (NPA) occurs when a borrower takes a loan and fails to pay the EMI for an extended period. While lenders may be forgiving if you miss one or two EMIs, prolonged default can have serious consequences for both the borrower and the lender. For the borrower, defaulting can lower the credit score … Read more

There are several types of credit scores and ratings issued by licensed credit bureaus in India. For individual borrowers, credit behaviour and outstanding loans are summarized into a three-digit credit score. Credit ratings more commonly refer to organisations, but the terms are often used interchangeably. Credit information companies typically assign scores on a 300–900 scale. … Read more