Financial Tips

A stronger credit profile starts with consistent repayments, low credit utilisation and accurate credit reports. Review your report regularly, avoid unnecessary applications and keep older responsible accounts active where practical.

Personal loans may suit planned, higher-value expenses with structured repayments. Credit cards can be useful for short-term purchases when balances are repaid responsibly. Compare cost, tenure and repayment flexibility.

EMI depends on principal, interest rate and tenure. A longer tenure can reduce the monthly amount but may increase total interest. Compare both monthly affordability and total repayment before deciding.