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Credit card industry grows by 44% YoY: CRIF CreditScape CRIF high mark, one of the leading credit bureaus, has released the ‘CRIF CreditScape: Credit Cards’, to dive deep into trends and analysis for insights of the overall credit system in India with data points until December 2019. CreditScape showed the credit card industry portfolio at a remarkable Rs 1,24,390 crore reflecting a 44% y-o-y growth with active cards in circulation at 50.1 million with a 25% y-o-y growth. Borrowers opting for a credit card for the first time increased by 3x in a span of 4 years. With a CAGR growth of 22% spread over 4 years, the active card borrowers as of September 2019 was at 3.25 crore. For the next 5-6 quarters, 1 million additional credit cards are forecasted to be sourced. In the last year the overall volume delinquency in the credit card industry improved by 5bps and credit card sourcing volume reflected a growth to 2.87 million from 0.71 million between Q1 FY 2014-15 to Q4 FY 2017-18.

How to maintain A Crackling Credit Score This Diwali? The festival of lights is almost here, and preparations are on in full swing. It’s that time of the year when you are allowed, or in fact supported, by your loved ones, to spoil yourself with all good things from clothes, to jewelry, to sweets...just about everything. So, while you are basking in the festive mood, we don’t want to dampen your spirit. But being the ‘righteous’ financial advisers that we are, we would like to, well, advice you!

Working From Home? Here Are 3 Ways to Make Your Life Easy - Blog Thanks to the almost en masse enforcement of “work from home”, we can imagine the term, ‘homework’ to take upon a whole new meaning today. For remote working parents with kids, working & schooling together from home means that ‘homework’ is no more related to their children but may also include their office work and well, the actual housework too. Previously, the travel distance between office and home used to give employees the time to transition into their roles. Manage Application Fraud Technology has been the biggest agent of change in recent times, and more so, in the financial services sector. Be it financial transactions, customer experience, marketing of new products or channel distribution, digitization has permeated all departments of finance. With terms like 'digitization' and 'cashless transactions' on the rise, most physical and time-consuming transactions have been replaced by fast and convenient, real-time payments. But all this convenience does not come without the risk of opening new avenues for frauds. Activities such as phishing, application fraud, identity fraud, and card skimming are increasing. On the positive side, multiple security platforms and anti-fraud solutions are being devised to tackle the issue of frauds.

Importance of ethanol fuel in realizing the clean-energy dream - ethanolplant.over-blog.com Ethanol fuel is regarded as one of the earliest inventions that paved the way for clean energy. Today, clean energy has become a flourishing industry that pours in billions of dollars into research and development of new types of energy sources. Clean energy has become a dream that will soon be realized on a global scale. 5 habits to maintain a healthy credit score – Authored Article by Wilfred Sigler Credit score is a three-digit number that stands for your creditworthiness. This means it is used to determine your creditworthiness for loans and credit cards. It also plays a major role in determining your loan terms. So, the interest rates offered, and the repayment standings are all based on your credit score. Creating a credit history is easy.

5 Smart Ways to Prepay Home Loans A home of our own is something special that we tend to with all our hearts. It is one purchase where you will end up spending most of your time. Your family will grow here and so will you! Everyone wants to have a house of their own and to get there, a home loan emerges as an integral part. Taking a home loan is important, but it is even more important to clear this loan as soon as you can!

“Burnout Syndrome” - More about the Workplace than About the People Employee burnout is a state of physical and mental exhaustion at the workplace. It may happen due to prolonged stress and frustration at work resulting from the nature of the job, lack of support, insufficient resources, and tight deadlines. Typical signs of burnout include the feeling of emptiness, frustration, depression, and exhaustion. The World Health Organization (WHO) is now recognizing burnout, as an “occupational phenomenon”. Should I Opt for Festive Season Loans? Isn’t festive season the best time to cash on impulse? Consumers are already spending heavily either shopping, taking a holiday or planning a lifestyle upgrade. That’s why discounted loan advertisements become pretty hard to avoid! Before you opt for the festive schemes, offers and loan discounts, just keep your credit score and this quick read to in mind! What’s in it for me? Festive loans give you special waivers in the processing fees or lower interest rates for the loan tenure.

Wastewater Treatment Using Evaporation Multiple effect evaporator efficiently uses the heat from steam to evaporate water to concentrate dissolved salts in the water. Water is boiled in sequential vessels, each held at lower pressure than the previous. As boiling of water decreases with pressure, vapors produced in one vessel can be used to heat the next vessel. Advantages Ease of operationMost efficient evaporation system