Understanding credit scores and how to improve yours.
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750-900: Excellent. 650-749: Good. 550-649: Fair. Below 550: Poor.
✅ Pay EMIs on time (35% of score) ✅ Keep credit card usage below 30% ✅ Don't apply for too many loans ✅ Keep old cards active ✅ Mix of secured and unsecured credit.
Check free at cibil.com once/year.
Educational content about credit scores.
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All calculations use standard financial formulas. SIP returns use compound interest formula: FV = PMT × [((1+r)^n - 1) / r]. EMI uses: EMI = P × r × (1+r)^n / [(1+r)^n - 1]. Tax calculations follow Income Tax Act provisions for the current assessment year. Insurance premiums are indicative market averages.
Sources: RBI, SEBI, Income Tax Department of India, CIBIL, IRDA, LIC of India. Data verified as of Aug 2026.
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Disclaimer: This website provides general educational information only and does not provide personalized investment advice or recommendations. Financial decisions should be made after considering individual circumstances and consulting a qualified professional where appropriate. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance does not guarantee future results.