Vimal Vijayan
Senior Content Editor
Vimal Vijayan is a senior editor with a background in philosophy, research, music, and teaching, bringing a multidisciplinary lens to financial content and analysis. He specialises in refining complex financial ideas into clear, engaging narratives that support informed decision-making. With a strong interest in markets, problem-solving, and editorial precision, he combines analytical thinking with storytelling to produce content that is both insightful and accessible. Outside work, he enjoys chess, where strategy and patience continue to sharpen his perspective.
50
Articles
5 Yrs
Experience
Areas of Financial Expertise
- Personal Loan
- Home Loan
- CIBIL & Credit Score
- Credit Cards
- Loan Eligibility & EMI Calculations
- Education Loan
- Mutual Funds & Investments
- Insurance
- All
- Loan
- Home Loan
- Personal Loan
- Calculators
- Credit Score
- Banking
- Credit Card
- Credit Score - Overview
- Education Loan
All Categories
Personal Loan for CIBIL Score of 500
A CIBIL score below 500 is generally considered high-risk by lenders. This means you might have difficulty securing a loan with such a score. If you’re wondering, “Can I get a loan with a 500 CIBIL score?” remember that while it is not impossible, there may be some limitations. For…
Published Date
Apr 13, 2026Updated Date
May 19, 202610,000 Loan on PAN Card : Eligibility, Interest Rates, Process & Benefits
With the rise in digitisation and the need for quick access to short-term funds, the demand for instant personal loans has also increased. Be it an urgent medical expense, bill payment, or a temporary cash shortfall, borrowers are always on the lookout for credit options that are fast and hassle-free.…
Published Date
Apr 2, 2026Updated Date
Apr 6, 2026Eligibility Criteria and Documents Required for Education Loan
Before applying for an education loan, it is important to understand the eligibility criteria to prepare a well-rounded application. Lenders consider academic performance, the credibility of the student’s chosen institution, financial stability, the applicant's ability to repay the loan, and supporting documents when assessing an applicant. The education loan eligibility…
Published Date
May 20, 2026Updated Date
May 20, 2026Common Mistakes that Lower Your Credit Score
Your CIBIL score plays a major role in determining your eligibility for loans, credit cards, and favourable interest rates in India. However, many borrowers unknowingly make financial decisions that negatively impact their credit profile over time. Common credit score mistakes, such as missing EMI payments, using too much credit, applying…
Published Date
May 28, 2026Updated Date
May 28, 2026Bad Financial Practices That Cause Poor Credit Scores in India
Your credit score reflects how responsibly you manage loans, credit cards, and repayments. In India, several bad financial habits can gradually lower your CIBIL score and affect your ability to secure future loans or credit approvals. Common bad practices that lead to poor credit scores include late EMI payments, high…
Published Date
May 29, 2026Updated Date
May 29, 2026Disadvantages of a Poor Credit Score in India
A poor credit score can create serious financial challenges and limit access to essential banking products in India. Whether you are applying for a personal loan, home loan, credit card, or business financing, lenders closely evaluate your creditworthiness through your CIBIL score. The disadvantages of a poor credit score include…
Published Date
May 29, 2026Updated Date
May 29, 2026Top 10 NBFCs for Personal Loan in India
NBFCs have become a major part of India’s financial ecosystem, especially in the personal loan segment, by offering faster approvals, more flexible eligibility criteria, and digital-first services. Today, the Top 10 NBFCs in India offer personal loans at interest rates starting from around 10%, with quick disbursal timelines of 24-72…
Published Date
Jun 1, 2026Updated Date
Jun 1, 2026Documents Required For SBI Home Loan
Getting a home loan from SBI becomes much easier when you keep all documents ready before applying. The bank verifies your identity, income, property details, and repayment capacity before approving the loan. Having accurate and complete paperwork helps speed up the approval and disbursal process while reducing the chances of…
Published Date
Jun 1, 2026Updated Date
Jun 8, 2026Axis Bank Personal Loan Foreclosure Charges
Foreclosure of a personal loan is the process of repaying the entire outstanding balance before the end of the original loan term. Borrowers typically choose foreclosure when they have surplus funds and want to eliminate their debt obligations early. By foreclosing on a loan, borrowers can save on future interest…
Published Date
Jun 1, 2026Updated Date
Jun 8, 2026
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