A credit score is one of the most reliable financial indicators used to evaluate an individual’s creditworthiness. The Equifax ePORT portal gives lenders—such as banks and NBFCs—secure access to consumers’ credit data and histories, making it easier for businesses to assess risk and make informed lending decisions. As an online, B2B-focused gateway, Equifax ePORT provides … Read more

Fixed deposits offer a safe way to earn interest, but they often require significant sums to generate meaningful returns. Locking away a large portion of your savings can be inconvenient when unexpected expenses arise. To address this, banks introduced the sweep-in fixed deposit facility. A sweep-in facility lets you earn higher interest on surplus funds … Read more

Your registered mobile number is more than just a contact detail. It is the gateway to OTPs, transaction alerts and important banking notifications. If you have switched to a new number, updating it promptly is essential — missing OTPs or alerts can disrupt transactions and put your accounts at risk. Fortunately, changing the mobile number … Read more

Evolving technologies and shifting labour market dynamics are creating fresh challenges for HR teams. The rise of artificial intelligence and automation is eliminating some roles while generating new skill requirements. Employers increasingly need highly skilled workers, but the talent pool often struggles to keep pace. When demand outstrips supply, recruiters face greater pressure across sourcing, … Read more

Where do you stand in the debate between floating and fixed interest rates? Choosing the right interest rate is important because it affects your monthly EMI and the total cost of your loan. The decision can help you save on interest payments and manage your finances better. To make an informed choice, you first need … Read more

If you are planning to apply for a loan, you will often encounter the term FOIR. FOIR stands for Fixed Obligation to Income Ratio and indicates what portion of your income is already committed to fixed monthly expenses. Lenders use this metric to assess your ability to take on and repay additional debt, making FOIR … Read more

Personal loan foreclosure refers to closing your loan early by paying the entire outstanding amount in one payment. The process is straightforward: request a foreclosure statement from your lender, review the dues and any applicable charges, make the final payment, and obtain a closure confirmation or no-objection certificate (NOC). Foreclosing a loan helps reduce total … Read more

Looking for the best wallet app in India? The right choice depends on how you pay. PhonePe and Google Pay lead for everyday UPI transactions, Amazon Pay is convenient for shopping and bill payments within its ecosystem, MobiKwik is useful for wallet-led payments and offers, and Apple Pay serves Apple-device users where supported. For low-value … Read more

There are cheques that cannot be cashed immediately. One common example is a PDC cheque. PDC stands for Post-Dated Cheque. In India, a post-dated cheque is legally valid for three months from the date written on it. Under RBI rules, banks must not process a post-dated cheque before the date specified. If someone presents it … Read more

Highlight: The ten destinations in this article are not only beautiful but also budget-friendly. Read on to pick places where you can satisfy your wanderlust without emptying your pockets. “Investment in travel is an investment in yourself.” Few things ring truer. We all take trips with friends and family, but solo travel offers a unique … Read more