Legal Action

What Happens If EMI Is Not Paid On Time? (Full Legal, Credit & Recovery Impact in India)

Missing an EMI can feel like the end of the world. Many borrowers immediately panic and search online to understand what happens if EMI is not paid on time. The reality is that consequences do not occur overnight, but they do escalate in stages. Understanding these stages clearly helps you respond strategically instead of reacting […]

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What Is NESL? The Complete 2026 Borrower Guide to NESL Notices, Defaults & Next Steps

If you’ve recently received a message and instantly Googled what is NESL, you’re not alone. Every month, thousands of Indian borrowers suddenly see a formal-looking email or SMS from NESL and panic — because the wording feels official, legal, and serious. This guide breaks down what is NESL, why lenders use it, what it means

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Difference Between Credit Score and CIBIL Score: The Complete India Guide (With Real-World Clarity)

If you’ve ever applied for a loan, credit card, or even checked your credit profile out of curiosity, you’ve definitely come across two phrases that confuse most Indians: credit score and CIBIL score. They sound similar, people use them interchangeably, and yet they are not the same. Understanding the difference between credit score and CIBIL

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PDC Cheque: Everything You Must Know (Meaning, Uses, Risks & How to Stay Safe)

A “PDC cheque” might sound technical, but in India it’s a common instrument with real impact—especially when things go wrong. If someone’s asked you for a PDC cheque, or you’ve issued one or received one, you need to know how it works, what rules apply, what your risks are and how to protect yourself. Let’s

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