Experts generally recommend waiting about six months between new credit applications to protect your credit score and avoid taking on too much debt at once. However, there are situations where applying for a credit card and a loan at the same time can be reasonable. Below is a clear, practical guide to help you decide … Read more

Understanding the differences between CRIF and CIBIL is important when you plan to apply for a loan. Both CRIF and CIBIL are credit bureaus that prepare credit reports containing your credit score and information about your credit behaviour. Lenders consult these reports to evaluate lending risk, but different lenders may refer to different bureaus. Knowing … Read more

Jobs, offices, and businesses are reopening around the world after more than a year of disruption. With the pandemic receding for many, companies are increasingly returning to office operations and resuming full hiring. Yet the pandemic left lasting effects on health, economies, and mental wellbeing. Nearly half of employees globally report new or increased concern … Read more

The current Canara Bank fixed deposit (FD) interest rates reach up to 7.90% p.a., making FDs an attractive option for conservative savers. Canara Bank offers two main FD types: Callable: Permits premature withdrawal with adjusted interest rates. Non-Callable: Does not allow early withdrawal before maturity. Key points about Canara Bank FDs: Senior citizens earn an … Read more

The Government of India introduced the Goods and Services Tax (GST) to simplify and modernize the indirect taxation system. Before GST, businesses and consumers faced multiple overlapping taxes on the supply of goods and services, such as: Value-Added Tax (VAT) Excise Duty Service Tax These varying levies created complexity, compliance challenges and cascading tax effects. … Read more

Knowing how to prepare a budget is an essential life skill that helps you take control of your finances. A well-planned budget lets you allocate income to meet needs, reduce unnecessary spending, and build savings for both short-term goals and long-term security. Below we explain why budgeting matters, how to create a personalised budget, and … Read more

FASTag simplifies highway toll payments by making them cashless and fast—much like an online wallet that you top up and use as needed. If you need to deactivate your FASTag, common reasons include a lost or damaged tag, selling the vehicle, or scrapping it. Deactivation can be completed online or offline via phone or email. … Read more

You can obtain instant cash via a credit card or apply for a personal loan to cover planned or unexpected expenses. Before deciding, compare the interest charges and overall cost of each option. With instant cash options and online personal loans becoming more accessible, you can arrange funds from home quickly and conveniently. Many people … Read more

Choosing between India’s old and new income tax regimes is an important decision because each affects your tax liability differently. The old regime offers numerous deductions and exemptions, while the new regime simplifies tax computation with revised slabs and fewer breaks. This article explains both regimes, highlights differences, and offers practical guidance to help you … Read more

Managing daily tasks is easier than ever, and Bank of Baroda account holders can now view and download account statements from home. Below is a clear guide on the available methods to obtain your Bank of Baroda statement, how to use each option, and the benefits of keeping your statements handy. Methods to Download Bank … Read more