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Financial food for thought
Term insurance is the simplest and most basic life insurance plan. It focuses on offering the nominee the sum assured in case of the policyholder’s death. To be eligible for the death benefits offered under the plan, the policyholder has to pay the premiums on time.
A personal loan comes with many benefits and can prove to be a stress-relief in case of financial emergencies. If you have already sourced one and are now faced with a sudden large expense need like a marriage, you have two options:
The need for health insurance is more relevant than ever before. There’s a huge increase in the prevalence of lifestyle diseases and not to underestimate the associated medical costs. Rising medical costs can burn a hole in anyone’s pocket if not for health insurance.
Business loans are essential for any business operations especially if it is ready to expand or has many market opportunities available to explore. While availing a business loan may sometimes be tricky, especially if it’s a new business, there are many ways in which it can be easily sought.
A major illness could have a devastating impact on the patient and his/her family. It often translates into significant medical expenses and may leave the family struggling with daily finances.
A lot of people take on multiple loans to fund their requirements. This can lead to debt accumulation over time. Some of the debt may be good such as a home loan or a car loan since these are secured loans.
Life insurance policies are essentially meant to cover the risk of early death. These act as financial support or income replacement tools. Despite this, one could face various uncertain and sudden risks in life and in such situations, even a term insurance plan could be of limited use.
Vaid, a software engineer, the only breadwinner of his family met with an accident on his way back home from office. He suffered multiple injuries and lost his ability to walk in the accident.
An insurance claim is a challenging process for many as it involves dealing with the grief of the loss of a loved one or a medical emergency, as well as going through the hassle of umpteen paperwork which has to be submitted physically.
Are you considering debt settlement for repayment of your dues? Ever heard of debt settlement where you pay a one-time sum to be freed of your debts? Does that sound too good to be true?
Securing a child’s future is the topmost priority of every parent. However, this is not an easy task as most people focus on building a strong financial cushion to safeguard their child while struggling to have enough funds when needed.
Remember the first time you got a credit card? It would possibly have been one of the most financially liberating experiences for sure! The small pleasure of purchasing things you always wanted or buying subscriptions which otherwise seemed overpriced.
Life insurance is a must in today’s world not just for you but your entire family. We can never know what life has in store for us, and if life throws a curveball at us, we need a Plan B to take care of our family, when we are no longer around.
Investment planning is not alien to Indians. When it comes to thriftiness and future planning, no one can beat Indians. Also, saving for a rainy day is imbibed in Indian culture for centuries.
A financial need can sometimes push buyers to borrow loans that are easily available from banks and financial institutions. While this is good for the lender, it is not often positive for borrowers.
Have you ever wondered why banks announce that they’re writing off bad debt? After all, isn’t that it a loss for the bank that they are unable to recover the costs? Continue reading to understand what is a write off and why banks do it.
The Covid-19 pandemic saw various relief measures being approved by the RBI to ease the financial burdens of individual borrowers. These measures were then implemented by banks and other financial institutions to reach each and every eligible borrower.
Imagine logging into your credit card account portal and seeing a negative balance! It may alarm you and you may have questions such as how did this happen? Why do I have a negative balance in my credit card account?
UPI (Unified Payments Interface) is a virtual platform that allows users to send and receive money in real-time using a VPA (Virtual Payment Address) and a UPI PIN. It is the most popular and user-friendly payment option in Digital India, owing to its low cost. However, there has been a lot of press recently about anticipated changes to UPI rates.
A healthy credit report and score increases your probabilities of securing a loan/credit card at the best possible interest rates. According to credit data analysis of top credit bureaus, 70% of loans and credit cards were approved for people who had a credit score of 750 and higher.
Loan settlement is often mistaken as loan closure. But they are not the same. Loan closure is when you pay off all your EMIs on time and complete repayments as scheduled. In this case, the lender closes your loan account on payment of the final EMI and issues a NOC (No Objection Certificate).
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.