Author: Manan Bhardwaj

What Is a Credit Score? A credit score is a three-digit number, usually somewhere between 300 and 900, that tells lenders how likely you are to repay money you borrow. Think of it as a financial report card. Banks, NBFCs, and credit card companies look at it before deciding whether to trust you with a loan, and on what terms. In India, this number is generated by four RBI-licensed credit bureaus: CIBIL (TransUnion CIBIL), Equifax India, Experian India, and CRIF High Mark. Each one uses your credit history, meaning how you’ve handled loans and credit cards in the past, to…

Quick AnswerYour credit score is calculated using five main factors: payment history (about 35%), credit utilization (about 30%), length of credit history (about 15%), credit mix (about 10%), and new credit or hard inquiries (about 10%). These weightages come from commonly used scoring models like FICO, and while exact bureau formulas are kept private, this breakdown gives you a reliable working picture of what actually moves your score up or down. fIf you have ever stared at your credit score and thought, “okay, but how is credit score calculated exactly,” you are not alone. Most people know that paying bills…

Picture this. You’re at a toll booth, or maybe a traffic cop has waved you over for a routine check, and you’re suddenly not 100% sure if your car’s insurance is still active. Or maybe you’re about to hand over cash for a used scooter and the seller swears “insurance hai, tension mat lo,” but you’d rather see it for yourself before you believe it. Both situations come down to the same question: how do you actually do a vehicle insurance status check online, quickly and without guesswork? This guide covers the latest update for 2026, so you’re checking against…

Quick Answer: ION Digital Zone IDZ Jalandhar is a TCS iON computer-based exam center used for government and entrance exams like SSC, IBPS, RRB, CUET, JEE, and NEET. Jalandhar has two such centers, IDZ-1 (Paragpur, Defence Colony area) and IDZ-2 (Saffron Tower, GT Road, Paragpur). For the exact iON Digital Zone IDZ Jalandhar address, always match the address printed on your admit card, then verify it on iON Digital Zone Jalandhar Google Maps before you travel. The center typically offers standard iON Digital Zone Jalandhar facilities such as biometric verification, CCTV, AC exam halls, and power backup. Last updated: August…

If you have ever sat down to file your ITR and thought “wait, did my employer actually deposit the TDS they cut from my salary?”, Form 26AS is the document that answers that question. It is not the most exciting piece of paperwork you will deal with this tax season, but it is one of the most important. At BusinessMust, we get this question constantly from salaried employees, freelancers, and even chartered accountants who are downloading it on behalf of clients. So let’s walk through exactly how to get your Form 26AS, without the jargon and without the guesswork. Whether…

If you have a home loan, or you are about to take one, there is a good chance you have never actually sat down and worked out how much of your EMI goes to the bank as pure profit. Most people just pay whatever the bank tells them to pay, for as many years as the bank says, and never question it. That is the expensive way to do it. At BusinessMust, we talk to salaried employees, first time buyers, and self employed business owners every week who are surprised to learn that a loan they thought would take 20…

If you have searched “business ideas for women” more than once, you already know the problem. You get a list of 15 or 20 ideas, most of them the same five things repeated with different headings, and then you are on your own. Nobody tells you which one actually fits your life, where the money comes from, or what usually goes wrong in month three. That is the gap this guide is built to close. At BusinessMust, we talk to women at every stage of this journey, from a college student trying to earn her own money to a homemaker…

Back in December 2021, thousands of retail investors were refreshing their screens obsessively, waiting to understand one number: Metro Brands’ IPO GMP. The grey market was buzzing with talk of a positive premium. Everyone on WhatsApp groups and stock forums seemed convinced this footwear retailer would be a home run on listing day. Then December 22, 2021 arrived. The stock opened at ₹436 on the NSE. The IPO price was ₹500. Instead of celebrating gains, investors watched their money evaporate by 12.6% before the market even opened properly. Even though the IPO had been subscribed 3.64 times, even though GMP…

If you have bought or renewed a health insurance policy recently, you have probably noticed something different on your premium receipt. The GST line item that used to add a chunky 18% to your bill is gone, at least for most individual policies. But if you run a business and pay for group health cover for your team, you are still seeing that 18% show up. So what changed, what didn’t, and what does it actually mean for your wallet? Let’s break it down properly, because the headlines (“GST on health insurance scrapped!”) only tell half the story. What Is…

The Airtel Payments Bank IFSC Code stays exactly the same for every customer across India, whether the account was opened in Delhi, Bengaluru, or a small town in Bihar Now, if you are wondering why one code works for the entire country, or you’re stuck mid-transfer and need to know whether to pick NEFT or IMPS, stick around. Whether you searched for the Airtel payment bank IFSC code airp0000001 to complete a transfer, or you’re simply looking up the IFSC code Airtel payment bank asks for during KYC, this guide from BusinessMust covers everything you’ll actually run into while using…