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Credit derivatives are a type of financial contract that helps parties minimise their credit risk. Two parties hold these negotiable bilateral contracts privately and trade them over the counter. In credit derivatives, creditors can transfer the credit risk of a debtor to a third party. In exchange for taking the credit risk, the third party …
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The importance of understanding the difference between NACH and ECS is growing as the nation moves towards digital payments. Among the many modes of electronic transfers, these are two of the most popular options.Many companies, banks, financial institutions and merchants use ECS and NACH to receive and make payments. These options also allow automatic deduction …
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A non-performing asset meaning states that a borrower has taken a loan and fails to repay the EMI on time. While lenders are lenient if you miss one or two EMIs, NPA can have some serious consequences for the borrower. The borrower can face a decreased credit score and lowered creditworthiness. On the other hand, …
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An NBFC loan is a quick solution to get the credit you need to cover personal expenses. NBFCs or Non-Banking Financial Companies are growing in popularity, thanks to fintech advancements and online lending platforms. These financial companies are also making credit more accessible to Indians, thereby promoting financial inclusion. Considering this, there are many advantages …
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What is mobile banking? As the name suggests, mobile banking enables you to carry out banking transactions on your mobile device, be it a smartphone or a tablet. All you need to do is enable banking transactions is access the Internet. Mobile banking in India has spread across all demographics. According to one survey, 31% …
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A retail loan is a popular financing option that allows you to meet your needs stress-free. Getting such a loan expands your purchasing power. This way, you can make a small ticket or big-ticket purchases without worrying about funds at your disposal. Retail loan, meaning a loan offered to regular customers, offers you complete freedom …
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Knowing what is e-Mandate and its benefits can help you make payments more conveniently. Before the dawn of the digital era, you had to make payments in person or through cheques. Today, with a range of electronic payment options, you need not worry about writing a cheque or visiting your bank. You also need not …
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Planning a bank visit in 2026? Before you step out, it’s important to know when banks are closed. In India, bank holidays aren’t random; they follow an official calendar issued by the Reserve Bank of India (RBI). This bank holiday list 2026 includes national holidays, state-specific holidays, 2nd and 4th Saturdays and Sundays. Knowing the …
When you open a bank account, you receive multiple details like your account number, IFSC code, branch code and more. But there’s one important ID most people overlook—the CIF number. This 11-digit code stores your entire banking profile in one place and helps the bank identify you across all accounts and services. If you’ve ever …
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As an IndusInd Bank customer, you can now get quick assistance with your queries and concerns through 24×7 toll-free customer care numbers. Whether you need help with phone banking, credit card services or NRI banking, you can skip long processes and get instant solutions over a call. These helplines ensure round-the-clock support, making banking easier …
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