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The city of Karnal is situated in the State of Haryana and is popularly referred to as the ‘Rice Bowl of India’. The city has a rich history famous for its fort as the citadel can still be seen in the form of Kot Mohalla. Present day Karnal is famous for manufacturing agricultural implements and its parts with more than 40% of India’s agricultural implements and spares manufactured in the city. Karnal is well connected through rail, air, and road to major cities of India. The city is centrally located between Delhi and Chandigarh on the National Highway No.1. The district of Karnal spreads over 2,520 sq. km with a population of nearly 15 lakh. Recently, under Prime Minister Narendra Modi’s Smart Cities Mission, Karnal was selected as one of the cities to be developed as a smart city. Transportation in Karnal largely depends on fuel to aid its economy as well as for public transportation. Oil-marketing companies (OMCs) such as Indian Oil Corporation Limited (IOC), Hindustan ...

A credit score plays a crucial role when you are applying for a loan or a credit card. It is a three digit number between 300-900, 900 being the highest, that depicts your creditworthiness.Credit scores are calculated by credit bureaus by taking into account your credit history and repayment behaviour. A higher credit score increases your chances of getting a quicker approval for loan or credit card. It is an important determining factor for banks and non-banking finance companies (NBFC) whether you are qualified for a credit or not. Here are some of the ways in which you can boost your credit score: Pay bills on time : It is extremely important to pay your monthly utility bills on time as this depicts a responsible payment behaviour. Your payment history is the biggest factor that determines a credit score. Avoid making delayed payments as it will affect negatively on your credit score. One of the simplest way to making bill payments on time is to give standing instr...

All banks take various parameters into consideration before handing out a loan to the prospective customer/borrower. Some of the factors that are evaluated include job profile, salary range, age, and finally - credit score, among other parameters. Apart from the first three factors, it is vital for anyone thinking of applying for credit to hold a very good credit score. Before we delve further, let us first understand what a credit score is. What is credit score? Credit score is a numerical indicator that tells a lender whether or not you will be able to repay your debt. This is a three-digit figure that ranges from 300 to 850. The score is computed by credit bureaus and this is assessed based on how you are currently handling any type of existing debt. What is a good credit score? It is important for us to understand that there are different types of lenders and different categories of loans, and each will have their own standard. A credit score usually ranges any...