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Loan News: Need urgent money but your CIBIL score is low? Don’t worry! Now, you can still get a loan even with a bad credit score. Let’s explore the best options available to you. CIBIL score is a three-digit number that reflects your credit history and repayment habits. It ranges from 300 to 900 , and anything above 750 is considered a good score. Why does a CIBIL score become low? Delayed or missed EMI or credit card payments Frequent loan applications Overuse of your credit limit Defaulting on loans If your score falls below 650, most banks hesitate to approve your loan. But don’t worry — there are alternative ways to get a loan, even with a poor score. 1. Apply for a Joint Loan – Get Support from a Trusted Person If your CIBIL score is low but a family member, friend, or spouse has a good score, a joint loan can be a perfect solution. How does it work? Both you and the co-applicant apply for the loan together. The bank considers the co-applicant’s credi...

Indian Currency Rules : In times of cash shortage, you might wonder—why doesn’t the government just print more money and improve the cash flow? But the truth is, neither the Reserve Bank of India (RBI) nor the Government of India can make this decision freely. They must follow strict rules and guidelines to decide on printing new currency. Interestingly, even today, 90% of people are unaware of the entire process involved in issuing currency in India. RBI, or the Reserve Bank of India, has the authority to print all notes except the one-rupee note. However, the final decision about how many notes to print in a year is made by the Government of India. Still, the government doesn’t act alone—it also follows rules and consults with economic experts before reaching a decision. Let’s understand the full process of how currency is issued in India. The Complete Currency Issuance Process The process of approving new note printing happens in two major stages: Stage One : The RBI sends a ...

In the heart of Gujarat, a new era of storytelling has begun. On April 29, 2025 , a bold and visionary literary platform called Ink and Ideas Publication House officially opened its doors to the world. Based in Vadodara (Pin: 390019) and registered under MSME (UDYAM-GJ-24-0150605) , this publication house has quickly grown into one of the most respected and influential publishing companies in India. From publishing heartfelt poetry to globally recognized stories, Ink and Ideas is more than just a business—it is a movement of creativity, freedom, and empowerment. Led by the inspiring Lamiya Siraj , the publication house has already touched the lives of hundreds of writers, readers, and creative thinkers. With books circulating in India, the USA, and over 12 international countries , Ink and Ideas is changing the way we think about publishing. Let’s take a closer look at how this dynamic company is helping authors turn their thoughts into treasures—and why its journey is worth cel...

Loan Reduced Smart trick : अगर आपने लोन लिया हुआ है और आप लोन के ब्याज दरों को चुका नहीं पा रहे हैं तो ये खबर आपके लिए काम की है। इस खबर में हम आपको एक ऐसे स्मार्ट तरीके के बारे में बताने वाले हैं, जिससे आपका लिया गया लोन (Loan Reducing Tips) फटाक से सस्ता हो जाएगा। आपका ये एक डिसीजन आपके लाखों रुपये की बचत कर सकता है। आइए इस खबर के माध्यम से जानते हैं इस स्मार्ट ट्रिक के बारे में विस्तार से। बैंकों द्वारा ब्याज दरों में कटौती और आपके लोन पर असर हाल ही में रेपो रेट में कटौती के बाद बैंकों की ओर से होम लोन से लेकर पर्सनल लोन तक की ब्याज दरें घटाई गई हैं। हालांकि, कुछ लोग अभी भी अपने लोन को महंगा महसूस कर रहे हैं। अगर आपको भी ऐसा लगता है कि आपके लोन की ब्याज दरें अभी भी ज्यादा हैं, तो चिंता करने की कोई बात नहीं। आप कुछ स्मार्ट तरीकों का उपयोग करके अपने लोन को सस्ता बना सकते हैं। आइए जानें कैसे। सबसे पहले करें ये काम अगर आप समय से ईएमआई का भुगतान करते हैं और आपका सिबिल स्कोर (CIBIL Score) भी बेहतर है, तो सबसे पहले आपको अपने बैंक से लोन की ब्याज दर को बेहतर करने के लिए बातचीत करनी चाहि...

In today’s digital era, most people prefer to make payments online through UPI, mobile wallets, or internet banking. However, there are still many situations where cash is needed. To make cash withdrawal easier and faster, ATMs have been placed across cities and towns. But now, there’s a big update from the Reserve Bank of India (RBI) regarding ATM withdrawals that every bank customer should know. From May 1, 2025 , ATM users will have to pay higher charges for withdrawing money beyond the free limit. This decision was taken by RBI after considering the increasing operational costs of banks and ATM service providers. Let’s understand the details of this update and how it affects you. Cash Withdrawals Made Easy – But Now More Expensive ATMs (Automated Teller Machines) were introduced to reduce the crowd in banks and help people withdraw cash anytime. This facility became a huge success, especially in urban areas. Today, most people prefer withdrawing money from ATMs rather than sta...

It’s not uncommon to come across torn, soiled, or damaged currency notes in India. Maybe the note was in your pocket during laundry, or perhaps it got damaged while handling. Whatever the reason, most shopkeepers or vendors often refuse to accept such notes. But now, you don’t have to worry. The Reserve Bank of India (RBI) has issued clear and updated rules to help people exchange these damaged notes easily and legally. In this article, we will explain everything in simple language —what is a mutilated note, how to exchange it, what the bank's responsibility is, and what to do if your request is denied. This is something every Indian must know. What Is a Mutilated or Damaged Note? According to the RBI, a mutilated note is one which is: Torn or cut Dirty or soiled Burnt or partially destroyed Has missing portions Such notes are often rejected by people, but the good news is, RBI has made rules that allow you to exchange these notes at banks, without losing you...

अपना खुद का घर खरीदना हर व्यक्ति का सपना होता है। लेकिन जैसे-जैसे प्रॉपर्टी की कीमतें बढ़ती जा रही हैं, वैसे-वैसे घर खरीदना एक आम आदमी के लिए एक बड़ी चुनौती बनता जा रहा है। ऐसे में होम लोन (Home Loan) एक ऐसा साधन बन गया है, जिससे लोग अपने सपनों का घर खरीद पा रहे हैं। लेकिन होम लोन लेने से पहले उसकी ब्याज दरें (Interest Rates), ईएमआई (EMI) और कुल भुगतान (Total Repayment) का सही अंदाजा होना बहुत जरूरी है। इससे आप सही वित्तीय योजना बना सकते हैं और भविष्य में आने वाली परेशानियों से बच सकते हैं। आज इस लेख में हम जानेंगे कि अगर आप बैंक ऑफ बड़ौदा (Bank of Baroda) से 40 लाख रुपये का होम लोन 25 साल के लिए लेते हैं, तो आपकी मासिक किस्त कितनी होगी? साथ ही, कुल ब्याज कितना चुकाना पड़ेगा? आइये सरल भाषा में पूरा कैलकुलेशन समझते हैं। घर खरीदने का सपना और होम लोन की जरूरत भारत में हर व्यक्ति का सपना होता है कि उसका अपना घर हो। लेकिन बढ़ती महंगाई और आसमान छूती प्रॉपर्टी प्राइस के बीच घर खरीदना आसान नहीं रहा। एक साधारण 2BHK फ्लैट भी मेट्रो सिटी में 50 लाख से ऊपर का हो गया है। ऐसे में अधिकतर लोग ...