The Learn hub
Borrower's playbook
EMI truth, harassment rights, settlement maths, CIBIL recovery — explained in plain Hinglish.
True APR on Indian loan apps — yeh ₹5,000 kaise ₹7,800 ban gaya
Loan app ka 'monthly fee' chhota dikhta hai, par true APR (real interest rate) often 60-200% aata hai. Yeh hai full math, with examples.
Recovery agent ghar pe aa raha hai — tumhare 9 legal rights
Recovery agent threats, abuse, family ko call — yeh sab illegal hai. Yeh hai RBI ke under tumhare exact rights aur action kaise lo.
RBI Digital Lending Guidelines — 8 rights jo har borrower ko pata hone chahiye
RBI ke 2022 Digital Lending Guidelines tumhe 8 specific rights dete hain — KFS, cooling-off, no auto-debit surprises. Yeh full breakdown hai.
Settlement le lu ya full pay karu? CIBIL pe 7 saal ka asar
Loan settlement saves money short-term but tags your CIBIL as 'Settled' for 7 years. Yeh hai trade-off ka full breakdown.
CIBIL 580 se 750 — 12 mahine ka realistic plan
Step-by-step credit score recovery plan for Indian borrowers, with monthly milestones and zero gimmicks.
RBI Sachet pe complaint kaise file karein — full step-by-step guide
RBI Sachet portal is the official escalation for loan-app harassment, illegal lenders, and KYC fraud. Yeh hai full filing guide with templates.