Each guide shows the date it was last reviewed and the RBI rules it relies on, with links to the official text.
- Credit score and credit report: what they areThe difference between a credit report and a credit score, who keeps them in India, and what may influence a score.
- How to get and read your credit reportGetting your free annual report from each credit information company, and what each part of the report means.
- Errors in your credit report and how to dispute themSpotting wrong accounts, payment statuses and enquiries, raising a dispute, the time limits and compensation, and where to complain.
- Building and improving your credit profileHabits that generally support a healthy credit profile, what to avoid, and why there is no fixed timeline or number of points.
- Why loan applications are turned down, and what to do nextCommon reasons lenders give, how to find out the reason in your case, and steps before applying again.
- Secured and unsecured credit: the differenceWhat security means for a loan, examples of each kind, and what to weigh when choosing.
- Credit card interest, the minimum amount due and your rightsWhen interest is charged, what paying only the minimum costs, and what RBI requires of card issuers.
- Managing debt: repayment order, consolidation and your debt-to-income ratioListing your debts, the snowball and avalanche orders, when consolidation may help, and when to talk to your lender.
- Budgeting, saving and an emergency fundTracking income and spending, saving first, building an emergency fund and planning for goals.