The Vibe Journal: Finance Blogs

Are you looking for an instant loan without a CIBIL score check? Loans without credit checks are the type of credit provided by NBFCs or digital lenders without a hard check of your credit profile. Wondering how? Well, loan providers check your ability to repay before lending you credit. However, they don’t rely on credit …

Many furniture brands offer a wide range of stylish products. Depending on your aesthetics and functional requirements, you can choose accordingly. However, buying furniture can be costly, whether you opt for a house makeover or furnish your new home. You can opt for a personal loan to buy furniture. That way, you can utilise your …

The Bharat Bill Payments System, or BBPS, is one of the many digital payment systems accelerating India towards a cashless economy. Gone are the days when you need to carry cash to pay your bill at the office or a designated centre. Now, you have the option to pay any bill from the comfort of …

Owning a two-wheeler is more than a mode of commuting for many women. It can help you live more independently and navigate life with freedom. Whether you want to buy a new bike or a used model, opting for a two-wheeler loan is a wise option. Fortunately, you can apply right from your home or …

Outstanding debt is a crucial factor in determining your creditworthiness. As your debt piles up, availing of new loans or credit cards becomes difficult. When a financial institution receives your credit application, it reviews your credit report.  This document includes a record of your credit history as well as defaults. As such, any unpaid debts …

Knowing the features of term deposit vs fixed deposit can give you valuable insights and help you make the right investment. Both these options have some common features, like: However, there are some differences between them like lock-in periods, interest rates and others. Knowing the difference between FD and term deposit is crucial to investing …

Credit cards require you to make timely payments to avoid interest charges and you can simplify your life using a credit card bill payment app. A user-friendly app makes the whole process of paying bills convenient and quick.  This way, you don’t have to visit your credit card provider’s branch or miss due dates. Such …

A loan against a fixed deposit is an optimal solution to continue your investment while managing your financial needs. Some deposits allow premature withdrawal with a specific penalty amount. This gives you access to your investment in case of emergency.  However, withdrawing before completing your maturity period can cause a loss in returns. A better …

Two forms of fixed deposits provide you with a secure way to grow your savings, i.e., callable and non-callable FDs.  When you open a fixed deposit account, it comes with a specific: Usually, your funds remain locked in for this tenure so you can earn at the specified rate. However, to give you an option …

A credit score is one of the most reliable financial indicators that can assess an individual’s creditworthiness. The Equifax ePORT portal helps lenders, like NBFCs and banks, access any individual’s credit data. It also provides borrowers’ credit histories.  It is an online one-stop portal with vast access to individual credit data. This portal contributes to …