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Diverse Investment Solutions

At Lucky Finance, we offer a range of additional services to cater to all your financial needs. Our expert financial advisory services, wealth management solutions, tailored business financial solutions, and convenient digital banking services ensure comprehensive support. Trust Lucky Finance to be your reliable partner in achieving financial well-being and success.

A credit score is a three-digit number that summarizes your credit history and reflects how well you’ve managed your credit products, such as personal loans, credit cards, home loans, business loans, auto loans, overdrafts, and credit lines. Often referred to as the CIBIL score, it is primarily used to assess your ability to borrow from banks, NBFCs, and other financial institutions. The CIBIL score is calculated based on the credit information provided by lenders to credit bureaus on a monthly basis.

The CIBIL score ranges from 300 to 900, with higher scores making you more likely to be approved for new credit. Typically, a score of 760 and above is considered the ideal benchmark and is preferred by lenders for loan or credit card approvals. However, some banks and NBFCs may also consider a score of 700+ for credit card approvals.

Benefits of a Credit Score

Your credit score is one of the first factors that a lender, bank, or NBFC will assess when reviewing your loan or credit card application. If your credit score is low, it’s important to work on improving it as soon as possible; otherwise, the lender may reject your application outright without further consideration.

If your credit score is high, the lender will consider other factors, such as your creditworthiness and repayment capacity, to make a decision. A good credit score boosts the likelihood of your loan application being approved and makes it easier to secure funds.

However, your credit score is not the sole factor in determining your ability to secure new credit. Lenders also take into account your income, repayment capacity, debt-to-income ratio, employment history, profession, and other factors before approving or rejecting your loan or credit card application.

A good CIBIL score not only increases your chances of accessing credit but can also help lower the interest rates on your loan. Many banks and NBFCs offer preferential, lower interest rates to applicants with a strong credit score and solid repayment history.

We specialize in helping individuals improve their CIBIL scores through comprehensive and effective CIBIL repair services. We understand that a low credit score can hold you back from securing essential financial products like loans and credit cards, which is why we offer tailored solutions to fix inaccuracies and improve your creditworthiness.

Our expert team works diligently to identify errors or discrepancies in your credit report and guide you through the process of resolving them. We assist in disputing negative marks, correcting mistakes, and offering strategies to help boost your credit score over time. Whether you’re dealing with outdated information, missed payments, or any other issues affecting your credit, we are here to provide reliable support every step of the way.

CIBIL Repair Services

  • Credit Report Analysis: We thoroughly examine your credit report to identify any errors or negative marks that may be affecting your score.
  • Dispute Resolution: Our team works directly with credit bureaus and financial institutions to dispute incorrect or outdated information on your credit report.
  • Credit Score Monitoring: We provide continuous monitoring of your credit score to track improvements and ensure that your credit health remains on track.
  • Personalized Credit Repair Plans: Based on your unique situation, we create customized strategies to improve your credit score, focusing on the most impactful factors.
  • Debt Management Guidance: We offer expert advice on managing outstanding debts and optimizing your payment history to boost your score.
  • Educational Resources: We empower you with the knowledge to maintain a healthy credit score in the long term through informative resources and tips.

Credit cards have transformed the perception of debt among people in India. Individuals who previously hesitated to take loans are now viewing credit cards as a viable line of credit. Since their introduction, credit cards have become a favoured financial instrument across various demographics, including salaried employees, self-employed individuals, NRIs, and even students.

With the rapid rise in demand for credit cards, banks and financial institutions are introducing cards with enticing features and benefits. Individuals now have the opportunity to secure the best credit card they can imagine.

While the specific documents and eligibility criteria required to apply for a credit card may vary from bank to bank and card to card, there are certain common documents that most banks, including leading ones such as SBI, HDFC, ICICI, Axis Bank, and others, typically require applicants to submit along with their credit card application.

Documents Required

  • Identity Proof: Aadhaar card, PAN card, Driving license, Voter ID card etc.
  • Address Proof: Electricity bill, Ration card, Passport, Driving license etc.
  • Income Proof: Latest Payslip, Form 16, Income Tax (IT) return or proof of business continuity
  • Age Proof: Birth certificate, Passport, Voter ID card

A loan against mutual funds enables individuals to address emergencies or unexpected situations by leveraging their mutual fund investments. With a pre-approved credit limit, borrowers can access funds as needed, paying interest only on the utilized amount. This process demands minimal documentation, providing convenience and flexibility for borrowers.

Features & Benefits

  • Pre-approved Credit Limit: Borrowers can access funds up to a predetermined limit based on the value of their mutual fund investments.
  • Interest on Utilized Amount: Interest is charged only on the amount withdrawn, not on the entire credit limit.
  • Minimal Documentation: The process typically requires minimal paperwork, making it hassle-free for borrowers.
  • Quick Processing: The approval and disbursement process is generally swift, enabling quick access to funds in emergencies.
  • Continued Investment Growth: Your mutual fund investments continue to grow and earn returns, even as you borrow against them.
  • Flexible Repayment Options: Borrowers often have the flexibility to choose from various repayment options based on their financial situation.
  • No Impact on Mutual Fund Ownership: You retain ownership of the mutual funds, allowing you to benefit from their potential growth.

Documents Required

  • PAN Card
  • KYC documents: Aadhaar / Passport / Voter ID / Driving License / Letter of National Population Register / NREGA Job Card
  • Consolidated Account Statement

A Permanent Account Number (PAN) card serves as a national identity card in India. Without a PAN, you won’t be able to perform any financial transactions. The Indian Income Tax Department issues this unique 10-digit alphanumeric number to individuals, companies, Hindu Undivided Families (HUF), and other tax-paying entities. The PAN card has lifetime validity.

Documents Required

  • Identity proof: Aadhar Card, Driving License, Voter ID etc.
  • Address proof: Aadhar Card, Passport, Ration Card etc.
  • Date of birth proof: Birth Certificate, Mark sheet, Voter ID etc.

Navigating the complexities of income tax filing can be a daunting task, but our dedicated service is here to simplify the process for you. We aim to provide a seamless, efficient, and stress-free experience, ensuring that your tax returns are filed accurately and on time. Whether you’re a salaried individual, self-employed professional, business owner, or an NRI, our team of experts is equipped to handle all your tax filing needs with precision and care.

Documents Required

Income Tax is the direct tax that Indian residents pay to the government based on their tax liability for each financial year. As per the Income Tax Act, 1961, it is mandatory to pay income tax based on the tax slab their income falls into. Filing the Income Tax Return (ITR) is crucial as it works as documented proof of income. However, every taxpayer on whom income tax is applicable is required to submit certain relevant income tax documents.

Aadhar and PAN Card Form 16 Salary Slips Interest Certificates from Post Office and Banks Tax-saving Investment Proofs Health Insurance Premium Receipts Proofs of Capital Gains

GST

Any person involved in the taxable intra-state supply of goods or services with an annual aggregate turnover exceeding ₹20 lacs (or ₹40 lacs, or ₹10 lacs, as applicable depending on the supply and state/UT), or engaged in inter-state supply (without any threshold limit), must obtain GST registration.

A GST registration number or GST Identification Number (GSTIN) is a unique 15-digit identifier issued by tax authorities to track tax payments and compliance of the registered person. Businesses need to provide different sets of documents based on their business structure or the type of GST registration they seek.

Trade License

A trade license ensures that a business or trade operates in compliance with the safety standards issued by the State Municipal Corporation. It safeguards residents from potential health hazards. All businesses falling under the State Municipal Corporation Act of their respective state must apply for a trade license.

However, this license only permits the holder to engage in the specific trade or business for which it was issued. Moreover, it does not confer any property ownership rights to the license holder.

Documents Required

  • Identity Proof: EPIC, Aadhar Card, Driving License, Passport etc.
  • Proof of ownership/occupancy
  • PAN Card
  • Bank Statement
  • Photograph

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