Disclaimer

43dots is an educational publication. Everything here is general information, not personalised financial advice.

Not financial advice

Our guides and news explain how loans, credit cards, and CIBIL scores work in India in plain language. They do not account for your personal situation. Before you borrow, apply for a card, or act on anything you read here, check the current terms with the lender or bureau, and speak to a licensed financial adviser if you need advice for your own case.

Accuracy

We research every figure and try to keep guides current, but interest rates, fees, eligibility rules, and lender policies change often, and errors can slip through. Always confirm the latest numbers on the official website of the bank, NBFC, or credit bureau before you decide. If you find something wrong, tell us at hello@43dots.com and we will fix it.

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To keep 43dots free, we may show ads and may earn a commission when you click some links to lenders or card issuers and go on to apply. This never changes what we write. We do not accept payment to give a product a better review, and our editorial decisions are independent of any advertiser. See our editorial policy.

Third-party links

We link to banks, bureaus, and other sites for your convenience. We do not control those sites and are not responsible for their content or their terms.

Trademarks

CIBIL is a registered trademark of TransUnion CIBIL. Other names and brands belong to their respective owners and are used only to describe their products.