NA or NH on a CIBIL report indicates that there is not enough credit history to generate a credit score. In other words, the credit bureau has insufficient data about your borrowing and repayment behaviour to calculate a score. Seeing NA or NH on your credit report can be confusing at first, especially for first-time … Read more

Linking your Aadhaar card with your ration card is essential to receive various government subsidies and ensure that benefits reach the correct beneficiaries. A ration card allows households to purchase food grains, kerosene and other essentials at subsidised rates. Connecting Aadhaar with the ration card also reduces identity fraud and prevents ineligible or duplicate claimants … Read more

Financial wellness has become a key priority for both employers and employees. Its positive impact on productivity, retention and overall wellbeing has made workplace financial wellness programs an essential employee benefit in modern organizations. Financial wellness broadly means having the freedom and confidence to make informed financial choices. However, it is not a one-size-fits-all concept. … Read more

A credit card can be a convenient tool for meeting short-term financial needs because it provides a pre-approved credit limit. If you require a larger sum for an emergency and need more time to repay, you can choose a loan against your credit card. This option transfers an approved portion of your available credit to … Read more

A credit card CVV number provides an extra layer of protection for your card information and identity. Whenever you use a credit or debit card, there is a risk of fraud and phishing as card details are shared. To reduce these risks, issuers implement multiple security measures, and one key safeguard is the CVV (Card … Read more

Keeping track of your spending is easy with the ICICI Bank account statement download options. Regularly reviewing your statement helps you manage your budget, control unnecessary expenses and provides documented proof of income for loan or credit card applications. ICICI Bank offers both online and offline methods to access account statements. Below are clear, step-by-step … Read more

Understanding the meaning of token money is important when planning real estate purchases or other high-value transactions. It helps formalize a deal by transferring a small sum to the seller as an assurance of intent. Although not legally mandatory, paying token money is a common practice in property sales and other agreements. This initial payment … Read more

If you’ve researched mutual funds, you’ve likely seen the term AUM, which stands for Assets Under Management. AUM is the total market value of all assets that a mutual fund scheme manages on behalf of its investors, including equities, bonds, cash and other securities. While AUM signals the fund’s size and the level of investor … Read more

Over the course of my career I have witnessed a rapid evolution in workplaces and work culture. This transformation has accelerated recently as a wave of new-age professionals entered the workforce, bringing different expectations, styles, and habits. These changes, combined with technological advances that matured over the past decade, have created new workplace norms that … Read more

When borrowers fail to repay loans, the impact goes well beyond bank balance sheets: it weakens lenders, unsettles credit markets and slows economic growth. To address disputes and speed up recovery of Non-Performing Assets (NPAs), India established Debt Recovery Tribunals (DRTs) in 1993. This article explains what a Debt Recovery Tribunal is, how it works, … Read more