DebtBlog is a free hub of articles about personal and business debt in India: CIBIL scores, loan settlement, EMIs, credit cards, recovery agents, loan apps and MSME payments. Search for a topic or browse by category to find the right guide.
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No. DebtBlog does not give loans, settle debts or deal with lenders on your behalf. We publish information to help you understand your options.
No. Our articles are general information. Rules and lender policies change, so check official sources or speak to a qualified adviser before you act.
Articles come from debt-help specialists we work with and from community authors. An editor checks every community article before it goes live.
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No. RBI directions say recovery agents must not call borrowers before 8 am or after 7 pm, and must not threaten or harass you or your family. Our Recovery Agent Harassment articles explain what you can do.
Usually, yes. A settled loan is reported as "settled" rather than "closed", and lenders may see that as a negative sign. Our Loan Settlement articles explain how to rebuild your score afterwards.
RBI rules let you get one free full credit report a year from each credit bureau: CIBIL, Experian, Equifax and CRIF High Mark.
Under the MSMED Act, buyers should pay registered micro and small enterprises within 45 days. Our MSME 45-Day Rule articles explain the next steps, including the MSME Samadhaan portal.
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