Credit Rating Agencies in India
PayMe India Blog
by Dheeraj
11h ago
A credit rating is an essential factor that helps to assess the creditworthiness of a person or organisation. The score that is awarded to them by the agencies reflects their efficiency in paying back debts or fulfilling financial obligations. The credit rating of a company is done by CRA (Credit Rating Agency). These companies evaluate ..read more
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CIBIL Login and Registration Process
PayMe India Blog
by Dheeraj
5d ago
The CIBIL score is a crucial factor influencing your financial well-being. It impacts your ability to secure loans, and credit cards, and even get the best insurance rates. In India, the credit score is determined by CIBIL (Credit Information Bureau (India) Limited). Understanding how to access and manage your CIBIL score is essential for responsible ..read more
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Ration Card in Uttar Pradesh (UP Rashan)
PayMe India Blog
by Dheeraj
1w ago
The Uttar Pradesh (UP) Ration Card is a vital document for residents, ensuring access to affordable food staples like wheat and rice. Issued by the state government, it acts like a membership card in a subsidised food program. There are different card types based on income level, with the Below Poverty Line (BPL) card offering ..read more
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What are all the Mistakes that Can Lower your Credit Score?
PayMe India Blog
by Dheeraj
1w ago
Unintentional slip-ups can significantly impact your credit score. Missing payments on loans or credit cards is a big one, as these stay on your report for years. Maxing out your credit limits can also be risky, thus showing your report in a bad light in the eyes of lenders. Stay vigilant by checking your credit ..read more
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CIBIL Score for Bike Loan
PayMe India Blog
by Dheeraj
1w ago
While there’s no universally set minimum CIBIL score for a bike loan in India, it significantly impacts your eligibility and loan terms. Ideally, a score above 750. This range reflects a strong credit history, making you a highly attractive borrower to lenders. It also increases your chance of loan approval and potentially the most favourable ..read more
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How to check and remove your name from CIBIL’s Defaulter List?
PayMe India Blog
by Dheeraj
1M ago
What is CIBIL defaulter list? A “defaulter list” is generally a record of borrowers who have failed to meet their loan repayment obligations. These lists are maintained by lenders themselves or by credit bureaus that track credit history. Being on a defaulter list can have negative consequences, such as difficulty obtaining future loans or credit ..read more
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Assam Ration Card
PayMe India Blog
by Dheeraj
1M ago
Assam Ration Cards are essential documents for residents to access subsidized food grains and other essentials from the Assam government. They ensure food security, especially for vulnerable populations. Obtaining or modifying a ration card involves visiting the Food Civil Supplies & Consumer Affairs (FCS & CA) branch office. The process requires documents like voter ID ..read more
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Understanding Promissory Notes in India
PayMe India Blog
by Shweta Yadav
1M ago
Promissory Notes Covered under the Negotiable Instrument Act, a promissory note offers a legal value to any transactional contract. It comprises two parties namely, the borrower and the payee, and the former agrees to pay a certain sum of money to the latter under different terms and conditions. Technically, a promissory note is a signed ..read more
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CIBIL Customer Care: How do I contact CIBIL for Consumer Complaints?
PayMe India Blog
by Dheeraj
1M ago
Have you encountered an error on your CIBIL credit report? Are you facing issues with your credit score? Don’t worry! CIBIL offers a multi-tiered approach to address your concerns. This guide will equip you with the knowledge to navigate CIBIL’s customer care channels and effectively resolve any credit report or score discrepancies. We have prescribed ..read more
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Income Tax Slab and Rates – FY 2023-24 | AY 2024-25 (New & Old Tax Regime Tax)
PayMe India Blog
by Dheeraj
1M ago
Income tax slabs are announced by the Finance Minister in the annual budget. These income tax slabs are crucial for taxpayers as it helps to calculate the total tax that an individual has to pay for a fiscal year. As of now, no new major changes have been introduced by the government in the interim ..read more
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