No — a CIBIL score of 300 will not get you a loan from a traditional bank. Some digital NBFCs and fintech lenders in India, however, may offer small loans based on income, employment stability and bank account behaviour rather than relying solely on the credit score. Below you will find which options exist, three … Read more

This article provides a complete, up-to-date list of government banks in India (the 12 public sector banks or PSBs), explains the 2020 consolidations that reshaped the sector and helps you compare public sector banks with private banks on rates, speed and access to government schemes. India currently has 12 government banks. That number matters whether … Read more

This guide explains, step by step, how to complete a bank account opening form in India. It covers each field on the form, the documents you need, common mistakes to avoid, and what to do if you do not yet have a PAN card. Whether you visit a branch or fill the form online, the … Read more

This guide explains how to apply for a short-term loan in India, covering eligibility criteria, required documents, a clear step-by-step application process and interest-rate considerations. Whether you need instant approval through a short-term loan app or are comparing tenures and monthly EMIs, this article gives practical information to help you borrow with confidence. Applying for … Read more

This guide explains how to open a zero balance account online in India, who is eligible, the documents required, step-by-step instructions for major banks, and the leading zero balance accounts to consider in 2026. Most accounts activate quickly using Aadhaar OTP eKYC, often within minutes. Opening a zero balance account online typically takes under 15 … Read more

This article outlines seven practical alternatives for borrowers facing a low credit score in India, including NBFC loans, fintech lenders with alternate scoring, secured loans, peer-to-peer lending, credit-builder products, co-applicants or guarantors, and options from your existing lender. Three real borrower examples show how these choices work in practice. Read time: approximately 6 minutes. Applying … Read more

A “suit filed” entry on your CIBIL report can reduce your credit score by 80 to 100 points and make obtaining loans from banks and NBFCs difficult. This article explains what a suit filed remark means, how to dispute an incorrect entry, and how to get the status updated after clearing a genuine default. In … Read more

This article explains how to open a bank account in India without a PAN card using two RBI-approved routes: a zero-balance Basic Savings Bank Deposit Account (BSBDA) that requires no PAN, and a regular savings account opened by submitting Form 60 as a legal substitute. It includes step-by-step guidance, the documents accepted, BSBDA transaction limits, … Read more

This article compares three key RBI policy rates — the Repo Rate, Bank Rate and Marginal Standing Facility (MSF) Rate — and explains the difference between repo rate and bank rate, the marginal standing facility rate meaning, and how the current repo rate in India (June 2026) affects your loan EMIs. Three real borrower examples … Read more

This article explains the difference between a bearer cheque and an order cheque, two common cheque types used in India. You will learn what each type means, how they are transferred, when to use them and what steps to take if a bearer cheque is lost or stolen. When you write a cheque, two small … Read more