Knowledge Center
Learn to protect yourself
Scam alerts, credit tips and recovery guides in plain language. Free for everyone.
How Much EMI Can You Really Afford?
The 40% rule and how to stress-test a new loan.
The Golden Hour: What to Do in the First 60 Minutes After Fraud
Fast action can freeze stolen money before it's withdrawn.
Fake 'KYC Expired' SMS: Don't Click
Why banks never block accounts over SMS links.
Getting Out of a Debt Trap: A Step-by-Step Plan
How to stop borrowing to repay and build a realistic repayment plan.
Your Rights Against Recovery Agent Harassment
What RBI rules say lenders can and cannot do when collecting dues.
Part-Time Job & Task Scams on WhatsApp and Telegram
'Like videos and earn ₹5,000 a day' — the anatomy of a task scam.
'Digital Arrest' Is Not a Thing
How fake police and CBI video calls extort lakhs — and how to respond.
What Actually Goes Into Your CIBIL Score
Payment history, utilisation, credit age and mix — explained simply.
Improve Your Credit Score: A 90-Day Plan
Practical steps that move your CIBIL score in three months.
The UPI 'Receive Money' Trap
You never enter a UPI PIN to receive money. Here's how the scam works.
Why No One Should Ever Ask for Your OTP
The single rule that prevents most UPI and banking frauds.
How to Spot an Illegal Loan App in 60 Seconds
Seven quick checks that separate RBI-regulated lenders from predatory apps.