Author: Vikramaditya Sen
Vikramaditya Sen
Vikramaditya Sen is a Chartered Financial Analyst (CFA) with over 12 years of experience in retail credit underwriting, mortgage pricing, and debt portfolio management across leading Indian commercial banks. His research focuses on External Benchmark Lending Rates (EBLR/RLLR), Fixed Obligation to Income Ratios (FOIR), CIBIL score rehabilitation, and mortgage processing.
Comprehensive 2026 comparison of Gold Loans vs Personal Loans in India. Compare interest rates, 75% LTV rules, bullet repayment options, and emergency disbursement speeds.
Comprehensive 2026 guide to education loans in India. Learn collateral slabs, Vidya Lakshmi portal, CSIS interest subsidy, moratorium rules, and Section 80E tax benefits.
Comprehensive 2026 guide to Loan Against Property (LAP) in India. Learn LTV ratios, CERSAI registration, legal title search rules, interest rates, and tax benefits.
Comprehensive 2026 guide to improving your CIBIL score in 30 days. Learn credit report error dispute rules, credit utilization reduction, and RBI compensation directives.
Comprehensive 2026 guide to personal loan eligibility criteria in India. Learn FOIR calculation, minimum salary thresholds, CIBIL score requirements, and RBI digital lending rules.
Comprehensive 2026 guide to home loan EMI calculation, RBI repo rate impact, external benchmark lending rate (EBLR), prepayment strategies, and tax benefits.
Learn how credit card interest charges and minimum payments work. Understand APR, compounding daily, and strategies to pay off balances efficiently.
Discover what to check before applying for a loan or credit card. Learn how to protect your credit score, compare interest rates, and secure approval.
Learn how to compare personal loans effectively before choosing a lender. Master interest rates, fees, terms, and requirements to secure the best deal.
VS Written by Vikramaditya Sen Fact-Checked Senior Credit & Lending Underwriter • Reviewed by Credit Policy Desk • 2026 RBI Directives Senior Credit Underwriter with over 12 years of experience in retail credit underwriting, mortgage pricing, and debt portfolio management across leading Indian commercial banks. His research focuses on External Benchmark Lending Rates (EBLR/RLLR), Fixed Obligation to Income Ratios (FOIR), CIBIL score rehabilitation, and mortgage processing. If you have ever applied for a loan or a credit card, you have likely heard of the CIBIL score. It is one of the most important factors lenders use to determine your eligibility…