Glossary
Credit Report
What it means
A credit report lists all your loans and credit cards, their sanctioned amounts, outstanding balances, month-by-month payment status, days past due, and closed, settled or written-off accounts. It also records every hard enquiry made by lenders in the last few years.
Lenders read the report more carefully than the score. Two applicants with the same score can get different decisions if one has a recent settlement or a cluster of enquiries. Reviewing your report before applying and disputing errors with the bureau can materially improve outcomes.
Where it applies
Personal Loan
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Home Loan
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
More terms
Ready when you are.
Two minutes to share your requirement. One call from our credit desk with a lender shortlist. No fee, ever.