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Credit Score

CIBIL Full Form & Tips to Improve Your Score

Credit Information Bureau India Ltd. is the full form of CIBIL. It is one of the major credit bureaus or credit information companies in India that is backed by TransUnion International. CIBIL keeps track of all business and personal credit-related activities. Many banks and a number of financial institutions regularly provide information to the CIBIL. The CIBIL score is a number that financial organisations use to evaluate your creditworthiness. It helps with loan or credit card applications. [B-01] What is CIBIL Score in India? CIBIL score in India is a 3-digit figure on the credit report. The credit bureau considers your overall debt from all lenders and your payment history when calculating your CIBIL. The CIBIL range is 300 to 900, with 300 being the lowest and 900 denoting the highest. A score between 700 to 749 is considered ideal for credit applications. A score of 750 or higher is regarded as outstanding and boosts your chances of having your credit approved. You should try keeping your CIBIL close to 900 if you want to acquire credit easily. Also, note that the CIBIL score is usually called the credit score in India. CIBIL Score Range in India CIBIL Score Range Rating 300-499 Poor 500-649 Average 650-749 Good 750-900 Excellent What is a CIBIL Report? In addition to the credit score, CIBIL also provides credit reports for individuals and businesses. All lenders carefully review the CIBIL report before authorising a credit application. Your CIBIL report includes your CIBIL score, credit record, repayment history, personal details, employment records, banking information, contact information, and details of hard inquiries. Similar to an individual’s report, a company’s CIBIL report includes information about its credit record. It has information regarding ongoing debts, pending legal matters, and preexisting credit. The agency carefully preserves this data throughout time by collecting it from financial organisations. You should review your credit score and credit report at least once a year. You can check your credit rating at Piramal Finance for free. Access your CIBIL and your credit report with just a few simple details. Why is CIBIL Score Important? A high CIBIL score, or one that is between 700 and 900, is quite favourable. Banks and other lenders assess it when evaluating loan and credit requests. The CIBIL score is your first impression in a credit application. A good CIBIL score means greater chances of having your loan application granted. As a result, it is beneficial to maintain a good CIBIL score to get your credit requests approved. You have a better chance of securing a loan if your CIBIL score is good. You can also bargain for better credit conditions and lower fees and penalties. You get more benefits such as: Lower loan interest rates Increased credit limits Better terms for repayment, including a long, flexible payback period An expedited loan approval procedure More lender options Factors Affecting a CIBIL Score Some of the major factors affecting your CIBIL score are as follows: Repayment History Your CIBIL score is used by lenders to assess your ability to manage debt and credit. Your credit score could suffer if you have a repayment history that includes late payments or failed EMIs. Credit Utilisation Ratio As much as 30% of the overall credit limit is the recommended credit utilisation ratio. A person’s inability to manage money effectively and reliance on credit is indicated to credit bureaus when that individual has a higher credit utilisation ratio. As a result, the applicant’s credit score is negatively affected. Number of Credit Inquiries When you apply for a new credit line, the lender looks at your credit report. Each draw is considered a hard inquiry, temporarily lowering your CIBIL score. Avoid frequently submitting multiple loans or credit card applications. How to Improve CIBIL Score? It is necessary to have a high CIBIL score since it can influence banks and other lending institutions when you apply for loans and other forms of credit. Here are some ways you can improve your CIBIL score: Pay Dues on Time You should be disciplined and create reminders for your payments. Your CIBIL score may be significantly impacted by how you handle unpaid debt. You also pay a fine for late EMI payments; this also hurts your CIBIL score. Therefore, if you want to raise your CIBIL score, pay your bills on time and maintain a good score. Credit Mix Maintain a good credit mix. It is advised to have a balanced credit portfolio. You can have secured (such as a mortgage or car loan) and unsecured (such as a personal loan or credit card) loans. You can also have credits with both long and short terms. A surplus of unsecured debt could be perceived poorly. New Credit Cards Very Frequently Take into account whether you require any additional credit card accounts. Multiple unused credit lines will incur additional fees and have no positive impact on your CIBIL score. How to Check Your CIBIL Score? RBI mandates that credit bureaus give people access to their credit reports online. You can check your credit score simply by visiting the credit information company’s web portal. Here are the steps to check your credit score on CIBIL. Visit the CIBIL website and go to its credit score page. Login into your CIBIL account. Enter the details, such as your PAN number, DOB, and address, to confirm your identification. Enter the OTP sent to your linked email or mobile number. You will see your debt and other information on the following screen. Check for any errors in the report. Also, report if there is any missing record or additional information. You can also check your credit score on Piramal Finance for free. You only have to enter your details, and you will get your credit score in a few simple steps. [B-02] Conclusion It is clear that a good CIBIL score is necessary, especially when planning to apply for credit. Banks and other financial entities that lend money basis a high CIBIL score. Therefore, to prevent loan rejection due to a low CIBIL score, it is advised to maintain and improve your CIBIL score. Visit Piramal Finance to read more such blogs on credit scores and finances. You can also check out the housing loan and personal loan sections.
08-11-2023
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Know More

Ways to Get a Personal Loan With a Low Cibil Score

Do you want a personal loan? Before giving any loan, banks check the creditworthiness of the customer. The credit score is used to assess its worthiness. The credit score helps banks predict your credit behavior. And if your credit score is low, it is highly unlikely that banks will lend you any money. A personal loan is the most common type of loan distributed by banks. As the loan is unsecured, banks mainly focus on credit scores. Moreover, there are no assets or mortgages to fall back on if the customers default on the loan. The Reserve Bank of India has licensed four companies to operate as credit information companies. CIBIL, or Credit Information Bureau (India) Limited, is the most reputed and oldest company among them. The Credit score starts at 300 and goes up to 900. And if your CIBIL score is low, you will face some difficulties getting a personal loan. So, let’s see the required CIBIL score for a personal loan. [B-01] Required CIBIL for Personal Loan: As per the leading lenders in the financial domain, your CIBIL score for a personal loan should be at least 720. With this score, you can easily get a personal loan from any bank or NBFC. Some banks and lenders also provide personal loans to users with a CIBIL score of 600 to 700. However, the lower your score is, the less money will be approved. Moreover, the bank may also charge a high interest rate on the personal loan for a low CIBIL score. If your credit score is less than or around 600, the chances are you won’t get a personal loan. So, let’s see the ways to get a personal loan with a low CIBIL score. Ways to get a personal loan with a low CIBIL score: A low CIBIL score for a personal loan is the last thing any bank or NBFC would like to see. Luckily, there are many new fintech platforms and NBFCs that offer loans in the case of a low CIBIL score for a personal loan. However, these platforms charge a high interest rate. These are some ways that can help you if you have a low CIBIL score for a personal loan. Let’s see: Show income proof to the bank: If your credit score is really low, the bank will not be willing to give you a personal loan. But, you can provide some evidence suggesting you can repay the loan on time. And if the bank sees any merit in your claims, they will be more likely to grant the loan. For example, the bank may consider your application if you recently received a salary hike or have another income source. So visit the branch personally and talk with the loan manager along with this evidence. While the interest rate may be a little higher, you may receive a personal loan with a CIBIL score of 550. Apply for a lower loan amount: Applying for a loan of a higher amount with a poor CIBIL score is always rejected. On the other hand, a low CIBIL score for a personal loan means there is an increased risk for lenders. And they won’t be willing to take the risk unless convinced otherwise. However, the bank may take the risk if you are applying for a lower amount. Because a lower amount will be easier to pay and timely repayment can increase the CIBIL score. Apply with a co-applicant: Applying with a co-applicant or guarantor with a high CIBIL score can improve your chances. So, if you want a personal loan but don’t have the required CIBIL score, then, get a co-applicant or guarantor for the loan. However, you will need to talk with the other person beforehand. It’s because there are formalities like KYC and other documentation. The benefit of this approach is that if the bank finds the co-applicant or guarantor worthy, your loan will be approved in no time. Correct the mistakes in your credit report: Banks and other financial institutions sometimes send the wrong information to credit bureaus. Or, the latest information isn’t updated in the credit report. These mistakes can take a toll on your credit health. So, it’s important to check your credit score and credit report from time to time. You can check your credit score for free. Four factors determine the CIBIL score, each of which holds some weight. Factors Weightage Payment history 30% Credit Exposure 25% Type of credit and credit duration 25% Other factors 20% Alternatively, check your credit report for any mistakes, like missing details on earlier paid loans. If there is any, report it directly to the credit bureau with proper evidence. Request the bank to treat your case as NA or NH in the credit report: The NA or NH in your credit report means there hasn’t been any credit activity in the last 36 months. So, if your credit report doesn’t show any credit history, talk to the bank and explain the reasons for it. Chances are the bank will give you the loan at a little high-interest rate. How to improve your credit score: The last and ultimate option to get a personal loan is improving your credit score. Because none of the above methods can guarantee your loan application will get approved with a low CIBIL score. So, ultimately, you will need to increase your credit score anyhow. To improve your credit score, start by paying down your previous debts. You can also avoid making late payments and using credit cards to the limit. By keeping great credit habits, your CIBIL score will increase gradually. Till then, you will have to adjust to high-interest lenders. [B-02] Conclusion: A personal loan is the easiest to get, and the borrowers need not offer any collateral. While it is quite tough to get a personal loan with a CIBIL score of 550, it’s not impossible. Many lenders like Piramal Finance approve a personal loan with a CIBIL score of 550. All you need are some documents, proof of your eligibility, and the required CIBIL score for a personal loan.
08-11-2023
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Wedding

How To Buy Sherwani for Men Online

Shopping for a wedding sherwani is a big task for every bridegroom. There are many different options available at different prices online. You should search for sherwani for men’s weddings on reputed websites like Myntra, Amazon, Ajio and Manyavar. These websites have a good collection of wedding sherwanis from good brands. It is important to pick a good quality outfit for your wedding day to look regal. So while checking for sherwanis for men online, you should also check the reviews for the products. [B-01] Things to keep in mind while buying sherwani for men’s weddings online Apart from checking reviews and shopping at reputed websites, there are a few other things that you need to keep in mind. As a bridegroom, you might get confused after checking out different sherwanis online. You may end up buying something that you will regret later. To avoid such disappointment, follow these tips before you shop. Budget – Have a fixed budget for your sherwani to ensure that you don’t get carried away while shopping. Before browsing online, decide how much you want to spend. You can find many options online, depending on your budget. You can find sherwanis for men’s weddings at high, mid-range, and even low prices online. No matter what your budget is, you can easily get the sherwani of your choice well within it online. So don’t assume that you need to splurge to get a good sherwani. There are plenty of options online for all budgets. Style – Understand the latest fashion and trending designs before you start shopping. Find a style that suits you and makes you feel comfortable. You can opt for traditional, Indo-Western or the latest styles of sherwani for your big day. Designs/Patterns – Check the design or pattern on the sherwani to choose the one that suits your personality. You can also match your bride’s lehenga by buying a sherwani that has a similar print/design. Colour – Most couples opt to match with each other on their wedding day. You can opt to wear similar colours, or you can wear contrasting colours to stand out. You can choose pastels or darker colours for your sherwani to match your bride’s ensemble. A monotone-coloured wedding sherwani also looks good when it is paired with the right accessories. Remember to choose a colour that complements your skin tone and personality. Fit – A well-fitted sherwani will give you a sophisticated look on your wedding day. Most websites with good brands offer sherwanis for men in different sizes. But even if your sherwani is of the right size, it still will not be a perfect fit as it is not bespoke. After buying your wedding sherwani online, take it to your tailor to get it fitted properly. A small alteration here and there will make a huge difference in how you look on your wedding day. Material – Choosing the right material for sherwani for men’s weddings is crucial for comfort. You need to consider the season in which you are getting married while buying your sherwani. If your wedding is in the winter season, then you can buy a sherwani made from thick fabrics like brocade or silk to keep yourself warm. Choose breathable fabrics like linen if you are getting married in the summer. Make sure that you purchase your sherwani in the fabric you are most comfortable with. Weight – Sherwanis for men’s weddings are usually heavy. So, check the total weight of the sherwani before you buy it online. This is very important because you have to wear your sherwani for many hours. A heavy sherwani will make you feel hot, irritable, and uncomfortable on your wedding day. Also, consider the number of accessories you will be wearing and their weight too. Comfort – As a bridegroom, you need to be comfortable and relaxed to enjoy your wedding. Remember this essential point while choosing your wedding sherwani. Instead of buying the latest designs, choose a sherwani that you will be most comfortable in. Decide if you want to wear pyjamas, jodhpurs, or dhoti for your wedding. Based on this, you can select the sherwani of your choice. Storage – After your wedding, you will need to store your wedding sherwani till you decide to wear it again. Some sherwanis need special storage as they are made of delicate materials. If you don’t store it properly, then the designs, embellishments, colours, and cloth might get damaged. So, while buying your sherwani online, check the storage instructions also. This will help you to understand how to properly care for your sherwani after use. Wash care – You must follow the washing instructions carefully to keep your wedding sherwani perfect. Most sherwanis need to be dry cleaned to avoid damaging the cloth or embellishments. Before buying, check the wash instructions, so you don’t damage the sherwani and lose the money you spent on it. Restyling – While buying sherwani for men’s weddings online, you should also check how you can restyle it for other occasions. Choose a sherwani that can be paired with other traditional wear or accessories to give it a new look. This will allow you to reuse your sherwani instead of keeping it in storage. [B-02] Conclusion As a bridegroom, make sure that you stay focussed on what you want to look like on your wedding day. Do not get carried away with the latest trends and buy your wedding sherwani in a rush. Take your own time to shop online after deciding what styles, fabrics, and colours you want for your big day. Always remember that your wedding sherwani will help to create memories that last a lifetime. If you are struggling with your budget for your wedding shopping, don’t stress about it. Just log in to Piramal Finance and check out the different loan options there. You can easily extend your wedding budget to create a memorable day with Piramal Finance. Talk to the experts to find out more details about the different services and loans, such as customised credit card and personal loan solutions, available for you.
08-11-2023
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Credit Score

How to Maintain a Good Credit Score?

There are thousands of people in India with low credit scores who don’t know what their options are and can’t raise their scores because of it. First-time credit users must realise that their credit score is the bedrock of their financial well-being. The average person has likely heard much about the CIBIL score but may not fully understand it or why it matters. Negative credit history can hurt a person’s finances. People with good credit should be careful and check their credit reports often because even a good credit score can go down if the credit bureaus get the wrong information. So, let’s start by learning about CIBIL, then about CIBIL score and how to improve it so that it’s easy for everyone to get credit. [B-01] Why Is a High Credit Score Important? By keeping a good or great credit score, you can save tens of thousands of dollars throughout your life. If you have good credit, you can get lower interest rates on mortgages, cars, and other loans. Banks are more likely to compete for the business of consumers with higher credit scores because they represent a lower risk to the institution. In contrast, businesses can get away with charging higher annual percentage rates (APRs) to consumers with poor credit ratings since fewer lenders are willing to work with them. And because your credit score affects your insurance score, it can also make it hard for you to rent an apartment, rent a car, or even get life insurance. What exactly is a CIBIL score? A person’s credit score is showcased by a CIBIL score. Simply put, this is a three-digit number that will show their credit profile and loan history. This is based on prior loan behaviour, such as how often they take loans and how timely they repay their loans. CIBIL score is derived from the reports issued by the banks regularly. Methods to Improve CIBIL Rating Never Delay Payments Your CIBIL score will go down if you don’t repay loans or credit card EMIs on time, so you should avoid this at all costs. Auto-pay, reminders, and a monthly to-do list can all help you make your payments on time. Check Your CIBIL Score This is by far the most crucial component in determining a credit score. If a person suspects that there may be errors or misleading data on their credit report, they can check so by requesting a copy of their credit report. Individuals may file a dispute if they discover an error in their name or address or if their new address has not been updated. Keep Your Credit Utilisation Ratio Consistent A borrower should never use more than 30% of his or her available credit at any given time. To hit this target, you should spread your spending over various credit products. Reducing your credit usage ratio is one of the best ways to build and keep a high credit score, which can lead to better financial opportunities down the road. Manage the Proportions of Various Types of Credit Personal loans, business loans, and student loans fall under the category of unsecured borrowing and are often cited as the primary cause of a low credit score. As opposed to secured loans like a mortgage or car loan, the risk associated with unsecured loans is substantially higher because of the lack of collateral. It is recommended that a person always choose a mix of credit cards as the risk component is balanced, offering a better credit score. Avoid Asking Repeatedly You should avoid applying for many loans at once, making you look desperate. When applying for a loan, a credit check will be run. Repeatedly asking for loans sends a bad message to financial institutions, which makes it more likely that the applicant will be turned down for a loan. Don’t Max Out Your Credit Card Don’t go as far as using up your available credit as doing so can hurt your CIBIL score. But, if the monthly payments are too high for the amount of credit available, one could talk to the bank about raising the credit line. Keep Your Existing Accounts Open It’s never a good idea to sever ties with a financial organization that you’ve been doing business with for a while, such as a bank or credit union. When you cancel an old credit card or bank account, the information is removed from the bank’s files and can negatively affect your credit score. Keep An Eye On Loans You’ve Cosigned It’s your responsibility to monitor any loans you’ve co-signed for. Sometimes the borrower cannot repay the loan due to unforeseen financial circumstances. The only thing that suffers when payments are skipped or delayed is your credit score. Make Use of Some Form of Credit Without a credit history, borrowing in one’s name can be difficult. They may be able to get a loan, but the interest rates will be hefty. Keeping a credit history and working toward a 750-credit score may necessitate using a credit card. Most lenders approve borrowers with 750+ credit scores. Before applying for a loan or credit card, consider these methods to get lower interest rates. These steps may slowly raise a person’s credit score. [B-02] Conclusion Raising your credit card CIBIL score requires a shift in your financial mindset. Don’t let your credit card bills go unpaid by checking in on them regularly. One sure-fire method of enhancing one’s credit rating is to make timely bill payments. Consult a professional organisation, such as Piramal Finance, if you have any doubts. See if you qualify for their free credit report service. The EMIs and monthly loan payments can be figured out with the help of their specialists. It also provides various financial services to its clientele, including business loans; micro, small, and medium business loans; collateral-free business loans; personal loans; term loans; online business loans, etc.
08-11-2023
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Dream Mobile

Buy OnePlus Mobiles Under 30000 Online In India

Buy OnePlus Mobiles Under 30000 Online In India Check out this curated list of OnePlus mobiles under Rs 30,000, selected based on their impressive specifications that attract consumers. Despite widespread interest, many consumers simply cannot afford flagship smartphones with top-tier hardware and software. However, OnePlus is one of the most well-known manufacturers of mid-range phones that cost less than Rs 30,000 but perform admirably. OnePlus smartphones offer top-notch features at affordable prices, and the attractive discounts will make you happy. Top OnePlus Mobiles Under 30000 OnePlus Nord 4 5G: Price : Rs. 29,999The OnePlus Nord 4 5G is a top contender in the mid-range segment. With a sleek design, stunning AMOLED display, and robust performance, it delivers an exceptional smartphone experience. The device features a triple-camera setup, offering excellent photography options and an immersive display for a superior viewing experience.Specifications:- Display: 6.78 inches (17.22 cm) Fluid AMOLED- Performance: Qualcomm Snapdragon 7+ Gen 2- OS: Android 13- RAM: 8 GB/12 GB- Storage: 128 GB/256 GB- Battery: 5000 mAh- Camera: 50 MP + 8 MP + 2 MP and 16 MP (front)Pros | Cons- Stunning AMOLED display | No expandable storage- Fast 80W charging | No official IP rating- Excellent camera performance | No wireless charging OnePlus Nord CE 4 5G: Price : Rs. 27,999The OnePlus Nord CE 4 5G offers a great balance of power and affordability. It features a premium build, a powerful chipset, and excellent battery life. The camera setup ensures crisp and vibrant images, while the smooth AMOLED display enhances the user experience.Specifications:- Display: 6.7 inches AMOLED, 120Hz refresh rate- Performance: Qualcomm Snapdragon 782G- OS: Android 13- RAM: 8 GB/12 GB- Storage: 128 GB/256 GB- Battery: 5000 mAh- Camera: 50 MP + 8 MP and 16 MP (front)Pros | Cons- Great battery backup | No headphone jack- AMOLED display with a high refresh rate | No wireless charging- Fast charging support | Lacks official water resistance OnePlus Nord CE 3: Price : Rs. 25,999The OnePlus Nord CE 3 is a fantastic choice for those looking for a budget-friendly smartphone with premium features. With its powerful processor and high refresh rate display, it delivers smooth performance for everyday use.Specifications:- Display: 6.72 inches Fluid AMOLED, 120Hz refresh rate- Performance: Qualcomm Snapdragon 782G- OS: Android 13- RAM: 8 GB/12 GB- Storage: 128 GB/256 GB- Battery: 5000 mAh- Camera: 50 MP + 8 MP + 2 MP and 16 MP (front)Pros | Cons- Fast charging at 80W | No IP rating- Premium build and design | No wireless charging- Great gaming performance | No expandable storage OnePlus 10 R 5G: Price : Rs. 28,599Our top pick for the best OnePlus mobile phone under Rs. 30,000, the OnePlus 10R 5G stands out with its impressive 6.7-inch AMOLED display and a smooth 120Hz refresh rate. The device supports 5G connectivity, making it future-proof and a great option for high-speed network users.Specifications:- Display: 6.7 inches AMOLED, 120Hz refresh rate- Performance: MediaTek Dimensity 8100 chipset- OS: Android 12- RAM: 8 GB/12 GB- Storage: 128 GB/256 GB- Battery: 5000 mAh- Camera: 50 MP + 8 MP + 2 MP and 16 MP (front)Pros | Cons- Superb performance | No Gorilla Glass protection- Smooth 120Hz refresh rate | Missing headphone jack- OIS for stable photography | No expandable storage OnePlus 3T: Price : Rs. 20,999OnePlus 3T is a solid budget-friendly option that still delivers a great user experience. While it may not have the latest features, it remains a reliable choice for casual users.Specifications:- Display: 5.5 inches Optic AMOLED- Performance: Qualcomm Snapdragon 821- OS: Android 8.0 (Upgradable via custom ROMs)- RAM: 6 GB- Storage: 64 GB/128 GB- Battery: 3400 mAh- Camera: 16 MP (rear) and 16 MP (front)Pros | Cons- Compact and ergonomic design | Older processor- Smooth software experience | No official updates- Decent camera performance | No 5G support Conclusion When it comes to smartphones, the finest OnePlus mobiles under Rs. 30,000 in India offer a perfect balance of power and design. The choice ultimately depends on your specific needs. OnePlus smartphones are known for their impressive hardware, including speedy processors, respectable cameras, and long-lasting batteries.Always conduct research before buying any phone. Read more related blogs on the Piramal Finance website, or explore our financial products and services, such as personal loans, credit cards, and financial calculators.
08-11-2023
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Dream Mobile

Price List of Poco Phones Under 10000 in 2024

Poco was introduced in India by Xiaomi in 2018 as a mid-range mobile phone brand. It is a joint venture of two phone giants, Xiaomi and Pocophone. In 2020, POCO India established itself as an independent firm and began providing budget smartphones to people. They aim to provide sustainable, high-tech mobile phones with maximum features at the best prices. POCO quickly rose to prominence. The company’s smartphones are among the best on the market. They have Octa-Core processors and can be purchased for less than Rs 10,000. The POCO F1 was the company’s debut smartphone, released in 2018. For those looking for a reliable smartphone at a reasonable price, POCO mobile phones are a solid option. This article will go through the finest Poco phones under 10000 available in 2024. These are wonderful for regular use. You can choose from a wide variety of stylish and sophisticated options. [B-01] Latest Poco Mobile Under 10,000 POCO C65 The POCO C65 is one of the latest smartphones launched by POCO in November 2023. C65 has a 6.74-inch long display, 192 g weight, and 8.1 mm thick. It also provides a 50MP back camera, which is perfect for taking quality photographs. Specifications: Screen Size: 6.74 inches OS: Android 12, MIUI 13 for POCO Ram: 4 GB / 6 GB / 8 GB ROM Storage: 128 GB / 264 GB Battery: 5000 mAh Camera: 50 MP (main camera) and 8 MP (selfie camera) Pros Cons ROM capacities up to 128 GB. Low Battery life compared to other phones Ram up to 8GB Low MP Selfie Camera Price – Approx. Rs. 7,499 POCO C55 The POCO C55, launched in February 2023, is available for a price of around Rs. 7,499. The phone includes quality features such as a 50 MP Camera, 4 & 6 GB RAM, and long-lasting battery life. This is an excellent choice for consumers with low to medium budgets. Specifications: Screen Size: 6.71 inches OS: Android 12, MIUI 13 for POCO Ram: 4 GB / 6 GB ROM Storage: 64 GB / 128 GB Battery: 5000 mAh Camera: 50 MP (main camera) and 5 MP (selfie camera) Pros Cons ROM capacities up to 128 GB. 5MP Selfie Camera Ram up to 6GB Low Battery life compared to other phones Price – Approx. Rs. 6,499 POCO C51 The POCO C51 is a budget-friendly smartphone launched in April 2023. It is available online and in stores for a price of around Rs. 5,799. The phone is sturdy, with a classic display of 6.52 inches. It is available in 4 GB as well as 6GB RAM. Specifications: Screen Size: 6.52 inches OS: Android 12, MIUI 13 for POCO Ram: 4 GB / 6 GB ROM Storage: 64 GB / 128 GB Battery: 5000 mAh Camera: 8 MP (main camera) and 5 MP (selfie camera) Pros Cons Latest OS Available 256 GB Storage not available Ram up to 6GB Low Battery life compared to other phones Price – Approx. Rs.5,699 POCO M5 An elegant and user-friendly mobile phone, the POCO M5 has the best interface along with an HD display. The phone body is pretty sturdy with a huge battery backup, and it is a great pick if you are into gaming. Specifications: Processor: MediaTek Helio G99 Camera Specifications: 50 + 2 + 2 MP Triple Rear Camera8 MP Front Camera Display: 6.58-inch IPS LCD RAM: 4 GB Storage: 64 GB Battery: 5000 mAh OS: Android v12 Price – Approx. Rs. 7,499 Summary Still not sure which POCO mobile phone you would want to buy? Here is a summary of POCO phones under 10,000: S. No. Device Name Price 1 POCO C65 Rs. 7,499 2 POCO M5 Rs. 7,499 3 POCO C55 Rs. 6,499 4 POCO C51 Rs. 5,699 The Bottom Line If you are on a strict budget but want to be techno-smart as well, POCO mobile phones are all you need to buy. All POCO mobile phones under 10000 are packed with awesome features that make them worth the hype. POCO has been providing quality mobile phones at a very low price. They are also available in great colours. You should consider two factors when finding the best phone for yourself: your needs and your budget. These will help you narrow down the list. We understand what you are looking for and strive to provide you with the same. Read more related blogs on the Piramal Finance website or explore our financial products and services, such as personal loans, credit cards, and financial calculators.
08-11-2023
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Dream Mobile

Top 10 Mobiles Under 15000 in India 2024

In terms of smartphone purchases, the Indian customer market seeks the best features at the lowest possible price. Smartphones under the Rs. 15000 price point are the most easily accessible to large customer groups. Manufacturers also develop several features to cater to prospective customers such as battery performance, camera quality, and processing speed. Let’s find out in detail some of the Latest Mobile Phones Under 15000 in India for 2022. [B-01] List of Top 10 Mobiles Under 15000 1. Moto G52 The Moto G52 features a 2.4GHz octa-core Qualcomm Snapdragon 680 processor for a powerful performance. It comes equipped with a high contrast ratio display and colour accuracy with a 90 Hz pOLED panel. Specifications Display: 6.6-inch, P-OLED display Processor: Qualcomm Snapdragon 680 processor RAM: 4GB Storage: 64GB Battery: 5000 mAh, Turbocharging Camera: 50MP Triple rear with 16MP front camera Connectivity: Dual 4G Volte, Bluetooth v5, A-GPS, Glonass OS: Android 12 Pros Cons Extended storage capacity Basic design Long-lasting battery performance Average performance Impressive camera quality Price: Rs.12,999 2. Samsung Galaxy M13 The Samsung Galaxy M13 is a budget smartphone that packs durability and affordability. It comes with 4GB of RAM and Samsung’s very own Exynos 850 processor. It is a game for speed and performance, making it one of the Top 10 Mobiles Under Rs. 15000 in India. Specifications Display: 6.6-inch PLS LCD display Processor: Samsung Exynos 850 processor RAM: 4GB Storage: 64GB Battery: 6000 mAh, Fast charging Camera: 50MP triple rear plus 8MP front camera Connectivity: Dual 4G Volte, Bluetooth v5, A-GPS Glonass OS: Android 12 Pros Cons Expandable memory up to 1TB Low RAM capacity Wide-angle camera with HDR shooting Low sound quality Captivating display Price: Rs.9,499 3. Samsung Galaxy M32 The Samsung Galaxy M32 includes impressive features like a refresh rate of 90 Hz, a powerful octa-core MediaTek Helio G80 processor, and a wide 6.4″ screen with a super AMOLED display. Specifications Display: 6.4-inch, Super AMOLED display Processor: MediaTek Helio G80 processor RAM: 4GB Storage: 64GB Battery: 6000mAh, Fast charging Camera: 64MP Quad rear plus 20MP front camera Connectivity: Dual 4G Volte, Bluetooth v5, A-GPS, Glonass OS: Android 11 Pros Cons Impressive design No HD/HDR support Extended battery life Low photo quality from assisted cameras FHD+ high-quality display Not great performance Price: Rs.11,499 4. Moto G40 Fusion The Motorola Moto G40 Fusion is resourceful with a Snapdragon 732G octa-core processor with a high refresh rate of 120Hz and a large 6.8″ screen for a wide-angle view. Specifications Display: 6.8-inch, IPS LCD display Processor: Qualcomm Snapdragon 732G processor RAM: 4GB Storage: 64GB Battery: 6000mA, Turbo Power charging Camera: 64MP Triple rear plus 16MP front camera Connectivity: Dual 4G Volte, Bluetooth v5, A-GPS, Glonass OS: Android 11 Pros Cons A high refresh rate of 120 Hz Bulky build Smooth performance Cameras are not fine-tuned Fast charging with long battery life Price: Rs.13,499 5. Moto G51 5G The Moto G51 5G supports sustained performance with a long-lasting battery. Its 5G connectivity integration gives it an advantage over other phones on the Top 10 Mobiles list. Specifications Display: 6.8-inch, IPS LCD display Processor: Qualcomm Snapdragon 480 Plus processor RAM: 4GB Storage: 64GB Battery: 500mAh, Rapid charging Camera: 50MP Triple rear plus 13MP front camera Connectivity: 5G, Bluetooth v5.1, A-GPS, Glonass OS: Android 11 Pros Cons Supported by Stock Android The screen may go jittery Powerful fingerprint sensor Poor low-light performance Rapid charging at 20w Price: Rs.12,249 6. Xiaomi Redmi Note 10S The Xiaomi Redmi Note 10S is a desirable phone under Rs.15,000 with competent specs and 5G support. Specifications Display: 6.43-inch, AMOLED display Processor: MediaTek Helio G95 processor RAM: 6GB Storage: 64GB Battery: 5000 mAh, fast charging Camera: 64MP Quad rear plus 13MP front camera Connectivity: 5G, Bluetooth v5, A-GPS, Glonass OS: Android 11 Pros Cons Impressive display with elegant design Minimal scope to customise MIUI 12.5 Stunning camera quality Low performance Powerful 6GB RAM Price: Rs.13,999 7. Realme Narzo 50 The Realme Narzo is an impressive addition to the Top 10 Mobiles Under 15000 list due its octa-core processor and durable battery capacity. Specifications Display: 6.6-inch, IPS LCD Processor: MediaTek Helio G96 processor RAM: 4GB Storage: 64GB Battery: 5000 mAh, Dart charging Camera: 50MP Triple rear plus 16MP front camera Connectivity: Dual 4G Volte, Bluetooth v5, A-GPS, Glonass OS: Android 11 Pros Cons Impressive camera performance in daylight Little use of depth sensor Sleek design No ultra-wide shooter supoort Smooth performance with a decent display Price: Rs.10,499 8. POCO M3 Pro 5G The POCO M3 Pro 5G makes it to the Top 10 Mobiles for its FHD+ display on a 6.5″ widescreen with 405PPI clarity. Specifications Display: 6.5-inch, IPS LCD Processor: MediaTek Dimensity 700 processor RAM: 4GB Storage: 64GB Battery: 5000 mAh, fast charging Camera: 48MP Triple rear plus 8MP front camera Connectivity: 5G, Bluetooth v5, A-GPS, Glonass OS: Android 11 Pros Cons Seamless usage Average RAM Extendable storage of up to 1TB Average internal storage Corning Gorilla Glass 3 Price: Rs.13,599 9. Xiaomi Redmi 11 Prime 5G The Xiaomi Redmi 11 Prime 5G is one of the first phones launched by the manufacturer with 5G technology and is suited for your everyday use on a budget. Specifications Display: 6.58-inch, IPS LCD display Processor: MediaTek Dimensity 700 processor RAM: 4GB Storage: 64GB Battery: 5000 mAh, fast charging Camera: 50MP Dual rear plus 8MP front camera Connectivity: 5G, Bluetooth v5.1, A-GPS, Glonass OS: Android 12 Pros Cons 90 Hz refresh rate Poor photography in low-light conditions Sturdy yet smooth performance No upgrade to waterdrop notch Extended battery capacity Price: Rs.12,999 10. Samsung Galaxy F23 5G The Samsung Galaxy F23 5G model gets your attention with its Snapdragon 750G chipset, 2.2GHz octa-core processor and powerful RAM at 4GB. Specifications Display: 6.6-inch, TFT display Processor: Qualcomm Snapdragon 750G processor RAM: 4GB Storage: 128GB Battery: 5000 mAh, fast charging Camera: 50MP Triple rear plus 8MP front camera Connectivity: 5G, Bluetooth v5, A-GPS, Glonass OS: Android 12 Pros Cons High-capacity internal storage Features archaic waterdrop notch Built for robust performance and use Poor capturing of low-light pictures High refresh rate at 120Hz Price: Rs.12,999 Overall Best Mobile Under 15000 When it comes to overall mobile phone performance and specs, the Moto G51 5G is the clear winner among the Latest Mobile Phones Under Rs. 15,000. [B-02] Final Takeaway To purchase a smartphone from the Top 10 Mobiles, you can seek financing from NBFCs such as Piramal Finance, which offers personal loans, EMIs, and other options. Check their website for more details!
08-11-2023
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Lifestyle

Best Formal Dresses For Women In 2025

Dressing up for an interview for a large conglomerate and feeling like there’s nothing to wear is not an uncommon feeling. Wearing something that would be suitable for such a professional affair is important. Fret not; putting together a nice formal look for women is not such a difficult task. With a few suggestions and accessories tips, there’s nothing to worry about. Outfits are like an extension of our personality and must shine through when going for a professional affair. Choosing formal wear for women is difficult because, for many, movies and trends are their best inspiration for fashion. But that will not suit here. That’s why today we have put together a list of some of the best formal dresses for women in 2025. We will divide this section into three. One for Indian formal wear, the second for formal Western wear, and the last for accessories. With that said, let’s get started. [B-01] Indian Formal Attire for Women Sarees One can never go wrong with a Saree. The iconic Indian attire, Saree is accepted as formal wear in every office nationwide. But that’s not to say that all Sarees are acceptable. There are fancy Sarees and such that wouldn’t be acceptable, but a Saree draped in a standard manner will be perfectly acceptable. Also, putting the pallu over the shoulders would make it even more appropriate. So, what types of Sarees are acceptable and what are not? Well, as long as the Saree is in light and solid colours, it’s fine. Sarees with bright neon-like colours or bright prints are to be avoided. Salwar Sets Salwar sets are not only formal but also very comfortable; perfect for situations where an interviewee would have to wait for hours before their turn for the interview. A salwar set is a two-piece outfit that can be mixed and matched to get that perfect look. This can mix and match different patterns, colours, and even the fittings of the fabric. The same rule goes for salwar as for Salwar sets, with no bright colours or eccentric designs. A simple and minimalistic design works perfectly fine. Kurtas Kurtas also provide a very formal look, just like how it is for salwar sets, but the best thing about Kurtas is that they can be paired with anything from formal pants to leggings to jeggings. But it goes to say that it would probably be best if really short Kurtas or tight leggings were avoided. The whole point of wearing Kurtas to a professional affair is that it has to be presentable and elegant, so body-hugging tight kurtas are to be avoided. So, lightweight, minimalistic and light-coloured Kurtas are perfect. Also, Kurtas are often considered one of the best formal dresses for women in 2025. Western Formal Attire for Women Solid Shirts and Trousers Want to create a perfect formal look? Well, one can never go wrong with the classic look of a formal shirt and a trouser. It’s an iconic dress that embodies the “I’m ready for anything” attitude. A simple shirt and trousers combo must be in every woman’s wardrobe. Just ensure that the trousers are not too tight. Formal Blouses A formal blouse is a great outfit paired with a pencil skirt or trousers. It provides a smart yet formal office outfit look that can be pulled off easily. Go for solid or pastel shades, so long as it is not too bright. Match it with either a round neck cut or a collar cut. Blazers Blazers are not just a fashion statement. It can also be the best formal attire for an interview or even a business meeting, so long as it is not a leather blazer. One can pair it with a shirt, or a formal blouse or even colour-match it with trousers to get the perfect formal look. One can even go with a Navy Blue Blazer if they have a Navy Blue troubler, which will complete the look. Skirts At long last, we arrive at skirts, an attire that exhibits class and confidence. Pair it with a formal blouse or a shirt, and the classic attire is achieved. It is recommended that the skirt is knee length or below to achieve the perfect office look and feel. Dresses Maybe skirts and formal blouses are not everybody’s thing, but a formal dress is perfect. It’s a one-piece attire that combines the essence of elegance and class in the same attire. Just make sure there aren’t any bright patterns or spotted prints. Accessories For Indian Formal Attire Textured Slip-Ons w/ block heels are perfect for any Indian attire, whether that’s a Saree or a Salwar set. One can pair the attire with a formal clutch that complements it in all the right ways. Also, for carrying some hard documents, classic handbags are perfect. With accessories, wear the best formal wear for women in the most elegant way. For Western Formal Attire To pull off the western formal look, get a great pair of shoes, and nothing can ever go wrong with Bellies, which is an elegant pair of shoes. One can also go with leather pumps and shoes with solid colours. Also, get a watch to complete the look, just a round dial watch in either silver or gold. [B-02] Conclusion When it comes to formal attire, one can go with either Indian style or western, there are plenty of options to choose from, and none is greater than the other. It’s all about what goes best with what. So, don’t hesitate to experiment.
08-11-2023
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Dream Mobile

India's Top 10 Best Smartphones Under 30000

When setting a budget for a smartphone under Rs. 30,000, there are many things to consider. There are a lot of good mobile phones that cost less than Rs. 30,000, so you can’t just pick one randomly. We did some research and came up with a list of the 10 best smartphones that won’t break the bank. [B-01] Realme 14 Pro – Rs. 28,999 The Realme 14 Pro offers powerful performance and a stunning AMOLED display with a high refresh rate. It is one of the best choices for those looking for a new smartphone under Rs. 30,000. Display: 6.7 inches OLED displayProcessor: Mediatek Dimensity 7300 EnergyRAM: 8GB/12GBStorage: 128G/256GBBattery: 6000mAhCameras: 50MP Sony IMX882 OIS Camera and 16MP Selfie CameraOS: Android 15 Pros Cons Stunning, high-contrast screen There is no 3.5 mm jack Superb daily performance No expandable storage Great camera quality Fast charging Poco X7 Pro – Rs. 26,499 The Poco X7 Pro is a performance-oriented smartphone featuring a powerful chipset and a high refresh rate display. It is well-suited for gamers and power users. Display: 6.67 inches AMOLED, 120Hz refresh rateProcessor: Dimensity 8400-UltraRAM: 8GB, 12GB, 12GBStorage: 256GB, 512GBBattery: 6000mAhCameras: 50MP + 8MP rear camera and 20MP front cameraOS: Xiaomi HyperOS 2 Pros Cons High refresh rate AMOLED display No wireless charging Strong performance No official IP rating Large battery with fast charging No expandable storage Samsung Galaxy A35 – Rs. 27,999 The Samsung Galaxy A35 is one of the best options in the mid-range segment, featuring a beautiful AMOLED display, great battery life, and One UI’s smooth software experience. Display: 6.6 inches Super AMOLED, 120Hz refresh rateProcessor: Exynos 1380RAM: 8GBStorage: 128GB/256GBBattery: 5,000 mAhCameras: 50MP + 8MP + 5MP rear camera and 13MP front cameraOS: Android 14 Pros Cons Excellent battery life No wireless charging Great display No headphone jack Samsung’s One UI experience Plastic back Nothing Phone 2a Plus – Rs. 29,999 The Nothing Phone 2a Plus brings a unique transparent design and a smooth software experience. It also features an improved camera setup compared to its predecessor. Display: Flexible 6.7” AMOLED, 120Hz refresh rateProcessor: MediaTek Dimensity 7350 Pro 5GRAM: 8GBStorage: 128GB/256GBBattery: 5,000 mAhCameras: 50MP + 50MP rear camera and 50MP front cameraOS: Android 14 Pros Cons Unique design No official water resistance Bright OLED display No expandable storage Clean Android experience No charger included Motorola Edge 50 Pro 5G – Rs. 28,999 Motorola’s Edge 50 Pro 5G brings a premium feel with its curved OLED display and a powerful Snapdragon processor. It is a great choice for multimedia and gaming. Display: 6.7 inches pOLED, 144Hz refresh rateProcessor: Snapdragon® 7 Gen 3RAM: 8GB/12GBStorage: 128GB/256GBBattery: 4500mAhCameras: 50MP + 13MP + 10MP rear camera and 50MP front cameraOS: Android 14 Pros Cons Excellent pOLED display No wireless charging Strong performance No expandable storage Stereo speakers Limited availability OnePlus Nord 4 – Rs. 29,990 The OnePlus Nord 4 is a well-balanced smartphone with flagship-grade performance, a great camera, and a clean OxygenOS experience. Display: 6.78 inches AMOLED, 120Hz refresh rateProcessor: Qualcomm® Snapdragon™ 7 Plus Gen 3RAM: 8GB/12GBStorage: 128GB/256GBBattery: 5,500 mAhCameras: 50MP + 8MP + 2MP rear camera and 16MP front cameraOS: Android 14 Pros Cons Clean OxygenOS experience No expandable storage Smooth display No IP rating Great battery life No headphone jack Vivo T3 Ultra – Rs. 27,999 A feature-rich smartphone with excellent battery life and powerful hardware, making it an all-rounder for gaming and photography. Display: 6.78 inches AMOLED, 120Hz refresh rateProcessor: Dimensity 9200+RAM: 8GB/12GBStorage: 256GBBattery: 5500 mAhCameras: 50MP + 8MP + 2MP rear camera and 50MP front cameraOS: Funtouch OS 14 Android 14 Pros Cons High-performance chipset No wireless charging AMOLED display with high refresh rate No expandable storage Large battery capacity No official IP rating Realme GT 6T – Rs. 29,999 A performance-focused device with a powerful processor and a stunning display for smooth visuals and gaming. Display: 6.7 inches Hyper Display, 120Hz refresh rateProcessor: Snapdragon® 7+ Gen 3RAM: 8GB/12GBStorage: 256GBBattery: 5500 mAhCameras: 50MP + 8MP rear camera and 32MP front cameraOS: Android 14 Pros Cons High refresh rate display No headphone jack Strong performance for gaming No wireless charging Fast charging support No expandable storage OnePlus 12R – Rs. 29,999 A premium device offering top-notch performance and a sleek design with OxygenOS's clean interface. Display: 6.7 inches AMOLED, 120Hz refresh rateProcessor: Qualcomm Snapdragon 8 Gen 2RAM: 8GB/12GBStorage: 256GBBattery: 5,500 mAhCameras: 50MP + 8MP + 2MP rear camera and 16MP front cameraOS: Android 14 Pros Cons Premium build quality No expandable storage Smooth and clean OxygenOS experience No headphone jack Excellent battery life with fast charging No wireless charging Oppo Reno12 Pro 5G – Rs. 28,999 A stylish smartphone with an excellent camera system and smooth user experience. Display: 6.7 inches AMOLED, 120Hz refresh rateProcessor: MediaTek Dimensity 9200RAM: 8GB/12GBStorage: 256GBBattery: 5000 mAhCameras: 50MP + 8MP + 50MP rear camera and 50MP front cameraOS: ColorOS 14.1 Pros Cons Stunning AMOLED display No expandable storage Great camera performance No wireless charging Premium design and build No official IP rating [B-02] Conclusion The top mobile phones under Rs. 30,000 include sizable battery lives, rapid charging times, and potent processors. When shopping for a mobile phone for around Rs. 30,000, you won’t even have to skimp on the camera. Further, most consumers opt for easy EMI to facilitate their purchase. The services provided by Piramal EMI networks might help you spread the cost of your purchase over time. With Piramal Suvidha EMI, we aim to make payments as easy as possible. This item is unlike any other on the market because of the flexibility of its repayment schedule, which allows payments to be made on the 1st and 16th of each month. This also means that the amounts owed over time are less weighty. Read more related blogs on the Piramal Finance website, or explore our financial products and services, such as personal loans, credit cards, and financial calculators.
08-11-2023
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