Want a cheap and quick loan – If you want to get a loan easily and at a low interest rate, then it is very important that your CIBIL score is strong. Banks and finance companies check the CIBIL score before approving the loan. If your score is good, not only will the loan be approved quickly, but you can also get a loan at a lower interest rate.

What is a CIBIL score?

A CIBIL score is a 3-digit number between 300 and 900, which is decided on the basis of your credit history and loan payment habits.

700+ CIBIL score – considered good, chances of getting a loan are high.

600-700 CIBIL score – average, but loan can be obtained with some conditions.

Score less than 600 – There may be difficulty in getting a loan or the interest rate will be high.

Major credit bureaus that issue CIBIL score in India:

• TransUnion CIBIL
• Equifax
• Experian
• CRIF Highmark

Benefits of a good CIBIL score

Faster loan approval

Loans at lower interest rates

Chances of getting higher loan amount

Credit cards and other financial facilities are easily available

5 easy ways to improve CIBIL score 

1. Pay all bills and EMIs on time
   

 Why is it important?

If you do not pay your credit card bill or loan EMI on time, then apart from late payment fees, your CIBIL score may also fall.

What to do?

Pay all loans and EMIs on time.

Set auto-debit so that payments are made on time.

Make full payments instead of just making the minimum credit card payment.

2. Use credit cards properly
   

 Why is it important?

If you use more than 30% of the credit card limit, the bank feels that you need more money, which can affect the CIBIL score.

 What to do?

Do not spend more than 30-40% of the credit card limit.

If you have to spend more, request the bank to increase the credit limit.

Pay on time, so that you can avoid interest and penalty.

3. Do not apply for loan and credit card repeatedly
   

 Why is it important?

By applying for loan or credit card repeatedly, the bank checks your credit report, which is called hard inquiry. CIBIL score falls due to more hard inquiries.

 What to do?

Apply for loan or credit card only when needed.

Avoid applying for multiple loans at the same time.

4. Check your CIBIL report
   

 Why is it important?

Sometimes there are mistakes or old entries in your CIBIL report, which can reduce the score.

What to do?

Check your CIBIL report every 3-6 months.

If you see any mistake, contact the credit bureau and get it corrected.

Use the official website or bank portal to check CIBIL score for free.

5. Maintain old credit history
   

 Why is it important?

If you have an old credit card or loan account, do not close it quickly. A long credit history makes your CIBIL score look better.

 What to do?

Avoid closing old credit cards unless it is non-essential.

Maintaining a long and good credit history helps in increasing the CIBIL score.

How does CIBIL score help in getting a loan cheap and fast?

Banks and NBFCs decide by looking at the CIBIL score:

1. Whether the loan will be approved or not

2. How much loan amount will be available?

3. At what interest rate will the loan be given

If your CIBIL score is good, you can expect better interest rates and faster loan approval from the bank.

How much does the CIBIL score affect the interest rate in a loan? (Example)

Mr. Gupta needed an auto loan of Rs 6.29 lakh.

He applied for a loan from Bank A, which offered him an interest rate of 11.70%. His EMI was coming to ₹13,897.

Then he also asked for an offer from Bank B. Seeing his CIBIL score of 750+, Bank B offered him an interest rate of 11.30%, which made the EMI ₹13,771.

Mr. Gupta told Bank A that he was getting less interest.

Bank A reduced its interest rate to 10.34%, bringing the new EMI to ₹13,470.

 The result?

In 5 years, he saved ₹25,604, just because of a good CIBIL score!

Conclusion: Easy tips to keep your CIBIL score strong

Repay loans and EMIs on time

Do not use more than 30% of your credit card limit

Avoid applying for loans repeatedly

Check your CIBIL report from time to time and correct errors

Maintain your past credit history

If you follow these tips, your CIBIL score will remain strong and it will be easy to get a loan in the future!

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CIBIL score reflects the credit health of any person and decides whether you will get loan or credit card facility from the bank or not. If your CIBIL score is bad, then in future you may face problems in loan approval. Therefore, it is very important to keep it better.

Today we will tell you about the 5 biggest mistakes, which can directly harm your CIBIL score. If you avoid these, then your credit score will remain strong.

1. Not paying EMI and bill on time

 How does it affect?

If you do not pay loan EMI or credit card bill on time, it spoils your payment history.

Every late payment lowers the CIBIL score and makes it difficult to get a loan in future.

 How to avoid?

Keep your credit card and EMI payment in auto-deduct mode.

Set a reminder to remember the date and pay on time.

2. Misuse of credit card

 How does it affect?

Spending more than the credit card limit increases your credit utilization ratio.

The CIBIL score is good only when your expenditure is less than 30% of the credit limit.

 How to avoid?

Do not use more than 30% of the credit card.

Make it a habit to pay the full bill every month, making the minimum payment increases the interest.

3. Applying for a credit card repeatedly
   

 How does it affect?

By applying for a credit card repeatedly, the bank does a hard inquiry, which can reduce your score.

Suddenly closing the credit card also increases your credit utilization ratio, which can drop the CIBIL score.

How to avoid?

Apply for a credit card only as per your need after careful consideration.

Do not close the old credit card immediately, as this may affect your credit history.

4. Applying for a loan repeatedly
   

 How does it affect?

Every time you apply for a loan, the bank checks the CIBIL score.

Too many hard inquiries bring down the score and reduce the chances of getting a loan.

How to avoid?

Do not apply for a loan repeatedly, take a loan only when needed.

Assess your income and expenses correctly, so that there is no need to take a loan repeatedly.

5. Taking too many loans at once
   

 How does it affect?

Taking different loans increases your financial liability.

If you are unable to repay all the loan EMIs on time, then the CIBIL score is negatively affected.

 How to avoid?

Take only as much loan as you can easily repay.

Avoid taking multiple loans at the same time, this will not increase your financial pressure.

Conclusion: Easy tips to improve CIBIL score

Pay all EMIs and credit card bills on time.

Use less than 30% of the credit card limit.

Do not apply for credit cards and loans repeatedly.

Avoid taking too many loans at once.

Maintain your credit history, do not close old credit lines immediately.

If you avoid these mistakes, your CIBIL score will remain strong and it will be easy to get a loan or credit card in the future.

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Paytm Money – Paytm’s subsidiary Paytm Money has deposited a settlement amount of ₹45.5 lakh to settle allegations of violation of rules related to technical glitches leveled by the Securities and Exchange Board of India (SEBI). With this payment, the company has decided to settle several compliance issues, giving it relief from further legal proceedings.

SEBI’s settlement order and allegations

In its settlement order issued on February 13, 2025, SEBI said that a show cause notice was sent to Paytm Money on July 24, 2024. In this, the company was accused of several regulatory violations, the main ones being:

Lack of timely alert generation system for critical assets

Under SEBI rules, it is necessary to get timely alerts, so that the safety of investors can be ensured.

Paytm Money did not set the permissible limit of alert generation at 70%, which could lead to operational risk and harm to the interests of investors.

Failure to submit documentary evidence related to peak load

Paytm Money failed to submit documents proving its infrastructure capacity.

This led to doubts about the market’s ability to deal with sudden traffic surges or technical glitches.

Not connecting critical systems to log analytics and monitoring applications

Log analytics is essential for real-time monitoring and timely detection of potential system failures.

Paytm Money did not connect all critical systems to this system, raising questions about the reliability of the system and the safety of investors’ assets.

Not conducting disaster recovery (DR) drills

No disaster recovery (DR) drills were conducted during April to September 2023.

The purpose of a DR drill is to quickly restore operations in case of a technical failure or disaster.

The lack of a DR drill for a long time raised serious questions about the ability to deal with emergencies.

Relief for Paytm Money, but improvements needed

Through this agreement with SEBI, Paytm Money has escaped a long regulatory investigation and a possible fine. However, the company will have to remove these shortcomings and improve its systems to avoid such problems in the future.

Is this a sign of SEBI’s strictness? What do investors learn from this development? Share your opinion!

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Stock Market in Action – Amid rising volatility in the stock market, Sensex-Nifty are trading with gains, but midcap and smallcap remain in decline. In such a situation, investors are eyeing some select big stocks, which are expected to give good returns in the next few days. Let us know which are today’s big stocks.

 Focus on United Breweries

Slight pressure on profits despite strong growth in Q3

Volume growth: 8%

Premium volume growth: 33%

Good sales in Kingfisher Ultra, Ultra Max and Heineken Silver

Will benefit from rising prices in Telangana

Eye on Delhi’s new excise policy

Opportunity to buy on dips, likely to give good returns in the long term.

Samvardhana Motherson

One of the major suppliers of Tesla

Positive sentiment due to the meeting of PM Modi and Elon Musk

Stock down 40% from its peak, good chance of reversal

Buying on the support of 100 WMA

OI (Open Interest) at a quarter high

Q3 results are to come today, so investors will keep an eye on the stock.

Cipla – Strong contender in the pharma sector

Strong rally in yesterday’s price action

Crossed 20 DEMA and 50 DMA

Good delivery buying continues for 3 days

Short covering seen in futures yesterday

Pharma sector remains strong, a strong option for investors.  Manappuram Finance (RED) – Stock under pressure after Q3 results

Weak Q3 results, profit declines

Don’t sell after big gap-down

Stock futures banned

Investors will keep an eye on the possibility of M&A deal

 Deepak Nitrite (RED) – Stock under pressure after Q3 results

Weak Q3 results, profit drops 51%

Revenue drops 45% to Rs 98 crore

PBIT margin falls to 13.9% in Advanced Intermediate segment against 3.1%

Pressure in short term, but it may be beneficial for long term investors to keep an eye on it

Market Outlook

Sensex-Nifty strong, but midcap-smallcap weak

Samvardhan Madrasan, United Breweries and Cipla are good options for investors

Manappuram Finance and Deepak Nitrite under pressure in the short term, but reversal likely in the long term

Do you like any of these stocks? Or are you keeping an eye on any other stock?

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Shares of Bank of Baroda (BoB) fell on Friday, as the bank’s board approved a proposal to raise funds of Rs 8,500 crore. At around 10:50 am, BoB shares were trading 0.49% lower at Rs 209.76 per share on the NSE.

How will Rs 8,500 crore be raised?

The bank said in an exchange filing that it plans to raise this capital by March 2028 through qualified institutional placement (QIP) or other methods.

How was BoB’s quarterly performance?

Net profit: The bank reported a net profit of Rs 4,837 crore in the quarter ended December 31, 2024, up 5.6% from the same quarter last year.

Total income: The bank’s total income in Q3 of the current financial year was Rs 34,676 crore, up from Rs 31,416 crore last year.

Interest income: Decreased by 4%, putting pressure on the bank’s stock.

Brokerage houses’ opinion

Nuvama Institutional Equities:

‘Buy’ call maintained.

Target price reduced from Rs 277 to Rs 265.

HSBC and Jefferies:

‘Hold’ call maintained.

Target price reduced to Rs 250 per share.

HSBC says net interest margin may come under pressure, cutting EPS estimates.

Why did the stock fall?

Fund raising plan: Raising new funds may reduce shareholder stake, putting pressure on the stock.

Underperformance: PSU banks underperformed the Nifty index by 3% in the last one month.

Lower interest income: 4% lower than expected interest income is a cause of concern for investors.

Will this downtrend in BoB stock continue, or will the ‘buy’ call from brokerage houses support it? It will be interesting to watch in the coming weeks!

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TikTok returns – China’s popular social media app TikTok has been brought back to the Apple App Store and Google Play Store after about a month. On January 18, it was removed under the National Security Law, after which the company temporarily shut down its services in the US. Now TikTok is once again available for download.

Why was TikTok banned?

The “Protecting Americans from Foreign Adversary Controlled Applications Act” was implemented in the US, which was signed by former President Joe Biden in April. Under this law, Chinese company ByteDance had to sell TikTok’s operations in the US to an American company by January 19, otherwise the app could be completely banned.

TikTok opposed the decision and called it a violation of the “First Amendment Rights” of its 170 million American users.

US government’s argument

The US government believes that TikTok is owned by ByteDance, and its alleged ties to the Chinese government could pose a threat to national security. The US administration had raised serious objections to this.

Supreme Court’s decision and TikTok’s response

In January, the US Supreme Court sided with the Biden administration and said in its decision—

“Congress has determined that regulating TikTok is necessary for national security, given its data collection and its ties to foreign competitors.”

However, TikTok ignored this decision and threatened to shut down the app in the US.

Pressure on Apple, Google and Oracle

Internet service providers like Apple, Google and Oracle could also face severe punishment for not complying with this law. However, after the Supreme Court’s decision, the app was allowed to be brought back to the store.

What’s next?

TikTok may have returned to the Apple and Google App Store, but its future in the US is still uncertain. If ByteDance does not agree to the conditions of the US administration, then a permanent ban may also be imposed on TikTok.

Will TikTok be banned in the US or will the company make a deal? It will be clear in the coming months!

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Modi Trump Meeting: Prime Minister Narendra Modi and former US President Donald Trump are going to have an important meeting today on 13 February. In this meeting, there is a possibility of discussion on global trade, economic policies and bilateral relations.

This can also affect the Indian stock market. Sectors like manufacturing, defense, IT and pharma can be directly affected by this conversation. Let us know which issues the market is eyeing.

1. Tariff war and ‘China Plus One’ strategy

The most important issue in the Modi-Trump meeting can be tariff war. Challenges for India may increase due to Trump’s “America First” policy. America can increase import duty on Indian products, which can affect IT, pharma and textile sectors.

However, according to Bhavik Thakkar, CEO of ABans Wealth and Investment Managers, “India has already reduced tariffs on many US goods, which may reduce tensions. But the real game will be how India becomes an alternative to China!”

If India gets more support from the US under the ‘China Plus One’ strategy, then the electronics and automobile sectors can see tremendous growth.

2. Big deal expected in the defense sector

There may be discussions between India and the US about defense deals. The US may try to sell state-of-the-art weapons and defense equipment to India. If a big deal happens, then the shares of companies like HAL, Bharat Dynamics, Bharat Electronics and L&T may rise.

According to Vikas Gupta, CEO of Omniscience, “If the US agrees to increase investment in the Indian defense sector, then it can give a big benefit to Indian defense companies.” 3. Ban on dumping of cheap goods from China?

Domestic companies are suffering losses due to the flood of Chinese goods in the Indian market. Concrete steps can be taken on this issue in the Modi-Trump meeting.

If strict decisions are taken to stop dumping of cheap goods from China, then the Indian manufacturing sector can get strengthened.

Seven Islands Principal Officer Hemant Shah says, “If a strict policy is made in this meeting regarding dumping of cheap goods from China, then Indian companies will get a big benefit from it.” 4. Relief for Indian IT and pharma sector?

America is a big market for India’s IT and pharma companies, but H-1B visa policy and American regulatory changes remain a cause of concern.

The Modi government would like the Trump administration to give Indian companies more favorable policies for business in America.

Vikas Gupta says, “If America gives relaxation in the new rules for the Indian IT and pharma sector, then it will increase the confidence of investors.” 5. Discussion on dollar vs local currency settlement?

The US may insist on keeping the dollar strong, while India wants to promote trade with Russia and China in Indian Rupee.

If any important decision is taken on this issue, then a big change can be seen in the Indian currency market.

What should investors do?

If there are positive deals in the Modi-Trump meeting, then the Indian stock market can see a boom. Especially the stocks of defense, IT, pharma and manufacturing sectors can jump. Investors are advised to keep a close eye on the market and not take any hasty decisions.

Conclusion

The Indian stock market can get 5 big good news from the Modi-Trump meeting. If there are positive results on the issues of tariff, defense deals, dumping of Chinese goods, IT and pharma sector, then it can prove to be a big booster for the market.

Will there be a new boom in the Indian stock market? Investors are keeping an eye on this!

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Gold Price at Record High: There is a tremendous rise in the prices of gold and silver. Gold has crossed Rs 88,000 per 10 grams, while silver has reached Rs 98,000 per kg. The major reason for this jump is believed to be the ongoing boom in the global market.

Why are gold and silver making new records?

For some time now, the prices of gold and silver have been increasing continuously, making it difficult for the common man to buy them. Experts say that the rise in the international market is also having a direct impact on the Indian market, due to which gold and silver are becoming expensive.

According to the All India Sarafa Sangh, gold became costlier by Rs 140 in the bullion market of Delhi to reach Rs 88,100 per 10 grams, which is the highest level till date. Earlier, gold of 99.9% purity closed at Rs 87,960 per 10 grams. At the same time, the price of gold of 99.5% purity has increased by Rs 140 to Rs 87,700 per 10 grams.

Silver also close to Rs 1 lakh

Silver prices are also seeing a steady rise. In the last trading session, silver closed at Rs 97,200 per kg, but now it has increased by Rs 800 to Rs 98,000 per kg. Experts say that if this pace continues, then soon silver can cross the figure of Rs 1 lakh per kg.

What are the experts saying?

According to Saumil Gandhi, senior analyst at HDFC Securities, “Gold has recently recovered from its low level. Due to some decisions taken by President Trump in the US, investors’ inclination has increased towards safe investment i.e. gold. This is why its prices are seeing a jump.”

Eyes on the Federal Reserve

LKP Securities analyst Jatin Trivedi says that despite no significant change in the US Consumer Price Index (CPI), gold prices are rising. The market hopes that the Federal Reserve may cut interest rates, which will further strengthen gold prices.

What can happen next?

Market experts believe that if the fluctuations in the global market continue in the coming days, gold may touch the figure of Rs 90,000 per 10 grams and silver may cross Rs 1 lakh per kg. Investors are being advised to keep an eye on the market movement and not take any major decision in haste.

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Bieber Shocks Fans – Pop sensation Justin Bieber has kicked off 2025 with a brand-new look! The 30-year-old singer was spotted in New York City on January 29, sporting a freshly shaved head and a short beard, marking a return to one of his signature hairstyles.

Dressed in baggy brown trousers and a neon yellow hoodie, Bieber looked effortlessly stylish as he stepped out, embracing the buzz cut era once again.

Bieber’s Buzz Cut: A Style Evolution

Bieber has experimented with various hairstyles over the years, from long locks and platinum blondes to dreadlocks and undercuts. This isn’t his first time going for a buzz cut—he previously shaved his head in 2021 following backlash over his dreadlocks.

His latest look, however, had been hidden under a beanie just days earlier. On a recent night out in Los Angeles, Justin was spotted at the Laugh Factory comedy club with wife Hailey Bieber and singer Tate McRae. In photos shared by the venue, he wore a slouchy pink beanie, keeping his new cut under wraps.

Justin & Hailey: Stronger Than Ever Amid Split Rumors

Bieber’s NYC appearance comes amid ongoing rumors about his marriage to Hailey Bieber, which sources say are completely unfounded.

A close source told PEOPLE that the couple is doing “fine” despite the constant speculation.

“They have a great family life and encourage each other to pursue their passions,” the insider revealed.

“Hailey loves that Justin is deep into music again and admires his artistic side.”

“Anyone who spends time with them can see how in love they are and how focused they are on their marriage.”

A New Chapter as Parents

Justin and Hailey, who tied the knot in 2018, welcomed their first child, son Jack Blues, in August 2024. Their new role as parents has only strengthened their bond, with both embracing the next chapter of their lives.

From chart-topping hits to style reinventions, Bieber continues to keep fans on their toes. Will this buzz cut stay for long, or is another transformation on the way? Only time will tell!

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Trump Threatens – President Donald Trump has confirmed that his administration will impose 25% tariffs on imports from Canada and Mexico starting February 1, following through on a campaign promise to address illegal immigration, drug trafficking, and trade imbalances.

However, he has not yet decided whether these tariffs will apply to oil imports from the two neighboring countries—a decision that could have significant economic consequences.

Trump’s Justification for Tariffs

Speaking from the Oval Office, Trump cited three primary reasons for the move:

• Illegal immigration – Pressuring Canada and Mexico to tighten border controls and curb undocumented migration into the U.S.
• Fentanyl crisis – Cracking down on the flow of fentanyl and other drugs that cross U.S. borders.
• Trade imbalances – Addressing longstanding trade deficits with North American partners.

Trump also hinted at further tariffs on China, citing its role in fentanyl exports to the U.S. He said a new tariff policy against China was “in the process,” though specifics were not provided.

Potential Economic Fallout: Higher Prices for U.S. Consumers?

If oil imports from Canada and Mexico are included in the tariff plan, it could drive up fuel costs in the U.S., impacting prices on gasoline, transportation, and everyday goods.

Canada supplies nearly 40% of U.S. crude oil imports. A 25% tariff could increase costs for refiners, leading to higher gas prices for consumers.

Mexico is a key supplier of auto parts, electronics, and agricultural products. Tariffs could disrupt supply chains, raising costs for businesses and consumers.

Canada & Mexico to Retaliate

Both Canada and Mexico have vowed to respond with countermeasures, escalating trade tensions. However, they are also trying to assure Washington that they are taking steps to address U.S. concerns over border security and fentanyl trafficking.

China Trade War 2.0?

Trump has also revived the prospect of a new trade war with China, considering additional tariffs of up to 60% on Chinese goods.

The U.S. reduced imports from China after Trump’s first-term tariffs, but trade between the two nations remains critical.

At the World Economic Forum in Davos, China’s Vice Premier Ding Xuexiang warned against protectionist policies, saying China seeks a “win-win” trade solution.

What’s Next?

Feb. 1: 25% tariffs on Canada and Mexico take effect.

Awaiting decision: Will oil imports be included?

China tariffs: Trump’s administration is studying new tariffs, with potential announcements coming soon.

Trump’s latest trade moves mark a return to his aggressive tariff strategy, but their impact on inflation and consumer prices remains a key concern for both the U.S. and global economy.

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