Introduction: The Low CIBIL Reality in India’s Credit Landscape In India’s evolving financial ecosystem of 2026, 42% of credit applicants face loan rejections primarily due to suboptimal credit scores, with approximately 68 million Indians having CIBIL scores below 650. A low CIBIL score (typically below 700) isn’t a financial death sentence but a temporary obstacle … Read more
Executive Summary: India’s Retirement Trinity In the complex landscape of India’s retirement planning ecosystem, three pillars stand out for salaried employees: Employees’ Provident Fund (EPF), Public Provident Fund (PPF), and National Pension System (NPS). Together, these instruments manage over ₹45 lakh crore of Indian retirement savings, yet widespread confusion persists about their comparative advantages, tax … Read more
SIP vs. Lumpsum Investment: A Data-Driven Guide for Indian Investors in Volatile Markets Executive Summary: The Core Dilemma Every Indian Investor Faces In the complex landscape of Indian equity markets—characterized by political uncertainty, global economic shifts, and regular market corrections—one question consistently troubles investors: Should I invest through Systematic Investment Plans (SIPs) or deploy a … Read more