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Naskar Financial Services

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Naskar Financial Services

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Naskar Financial Services is one stop financial solution shop. We provide loan services as well as i We offer home loan for all types of customers.

We, Naskar Financial services are engaged in offering home loan services. We are associated with most of the reputed bank and NBFC in India. We provide free advice to home loan buyer. We recommend and arrange best suitable home loan for you. Our consultants can provide doorstep services. You may not have enough time to reach bank and collect your required information or Bank manger does not have enough time to give answer all your home loan queries. Still, you are worried to take help from DSA, Agent or associates because of cheating and unethical people. Here, Naskar Financial Services is the solution. You can trust our consultants. We do not take commission from customer. Feel free to contact our help line +91 9830826104 or visit us www.naskarfinserv.in

29/09/2026

Why did my CIBIL Score drop 100 points overnight?

If you checked your credit report yesterday and everything looked fine, but today your score has taken a serious hit, you’re probably wondering: What just happened?

The good news is, a sudden drop doesn’t always mean you have become a “bad borrower.”
Here are some common reasons behind a sharp CIBIL Score drop:
1. A missed or delayed EMI
Even one reported late payment can negatively affect your credit profile, especially if it crosses the lender’s reporting threshold.

2. High credit card utilisation
Using a large portion of your available credit limit can make you appear financially stretched and may pull your score down.

3. A new loan or credit card
Recently applying for or opening multiple credit accounts can temporarily impact your score due to new enquiries and reduced average credit age.

4. Incorrect information in your report
Sometimes, the problem isn’t your financial behaviour. An incorrectly reported overdue amount, duplicate account, or unfamiliar enquiry can affect your score.

5. A lender updated old information
Credit reports are updated periodically. A lender may report information that wasn’t reflected in your previous report, making the change appear “overnight.”

So, before panicking, check your CIBIL report—not just the score. The reason for a major drop is usually hidden in the details.

And remember: a lower score can often be improved, but the first step is identifying what caused the drop. Have you ever experienced a sudden drop in your CIBIL Score? Share your experience in the comments.

14/09/2026

🙏✨ Happy Ganesh Chaturthi! ✨🙏

May Lord Ganesha bless you and your family with happiness, prosperity, success, and new beginnings. 🐘🌺

May all obstacles be removed and your business continue to grow with wisdom, positivity, and abundance.

Ganpati Bappa Morya! ❤️🙏

11/09/2026

Commercial CIBIL Subscription Plan Update!

Commercial CIBIL Subscription Plans are paid plans that businesses can use to access and monitor their Commercial Credit Information/CIBIL reports. These reports help businesses understand their credit history and creditworthiness.

• Basic – ₹3,999/month: Suitable for businesses that need to check their credit information occasionally or for a one-time requirement.
• Standard – ₹7,499 for 6 months: Better for businesses that want to review their credit information periodically over six months.
• Premium – ₹14,999/year: Designed for businesses that need regular credit monitoring throughout the year.
• Premium Duo – ₹19,999/year: Allows two users to access the service, making it useful when both a business owner and a finance/accounting team member need to monitor credit information.

In simple terms: choose Basic for occasional checking, Standard for six-month monitoring, Premium for year-round monitoring, and Premium Duo when two people need access. These plans are intended to help businesses keep track of their credit profile and make informed financial decisions.

05/09/2026

Free CIBIL report analysis!

To get more information contact us: 9674753222/ 9674754222

29/08/2026

Settled Loan vs Closed Loan in CIBIL. What is the significant difference?

Two loans can look “finished” in your CIBIL Report, but their impact on your credit profile can be completely different. This small difference can affect your chances of getting a loan or credit card in the future. So, what exactly separates a settled loan from a closed loan?

What Is a Closed Loan?

A loan is marked Closed when you repay the entire outstanding amount as agreed with the lender. Once all EMIs and applicable dues are paid, the lender reports the account as closed to the credit bureau.
A closed loan generally reflects responsible repayment behaviour, especially when you have made all payments on time. It does not indicate that you failed to meet your repayment obligations.

What Is a Settled Loan?

A loan is marked Settled when you and the lender agree to accept an amount that is less than the total outstanding debt. This usually happens when the borrower is unable to repay the full amount.
For example, if you owe ₹2 lakh but the lender agrees to accept ₹1.2 lakh as a final settlement, the account may be reported as Settled rather than closed.

This status can negatively affect your credit profile because it indicates that the original repayment terms were not fully met.
Key Difference Between Settled and Closed Loans
The biggest difference is simple: Closed means the full dues were paid, while Settled means the lender accepted less than the total amount owed.

A closed account generally sends a positive signal to future lenders. A settled account, however, may make lenders more cautious when evaluating your loan application.

If your loan is incorrectly marked as Settled even though you paid the full amount, you can contact the lender and raise a dispute with the credit bureau. If the lender confirms the error, the status can be corrected.

Understanding this difference is important because closing a loan properly can protect your credit profile, while settlement may continue to affect your borrowing opportunities.

Found this information helpful? 👍 Like, comment, and share this post to help others understand their CIBIL Report better. For more useful content on credit scores, loans, and financial awareness, follow our page. For personalised advice regarding your credit profile, feel free to DM us directly.

27/08/2026

Free Equifax report analysis!

To get more information contact us: 9674753222/ 9674754222

25/08/2026

What does Post Write Off Closed Status mean in CIBIL Report?

You paid an old written-off loan in full, expecting your CIBIL Report to finally show “Closed.” But instead, you see a new status “Post Write Off Closed.” Should you be worried? The answer lies in understanding why this status was introduced and what it says about your credit history.

What is Post Write Off Closed?

Post Write Off Closed is a credit facility status introduced under the RBI’s updated credit reporting framework. It is used when a lender has previously written off a loan/account, but the borrower subsequently pays the dues in full and the account is closed. The RBI’s reporting format specifically includes “Post Write Off Closed” as an account status.

In simple words, the status tells future lenders two things:
• The account was written off in the past.
• The borrower later cleared the outstanding dues and closed the account.

Why Was This Status Introduced?

Earlier, after a borrower completely repaid a written-off account, the reporting treatment could make the old write-off history less clear. The updated system creates a separate status so that credit bureaus can accurately reflect both the past write-off and subsequent repayment.
Therefore, seeing “Post Write Off Closed” does not mean that you still owe money if the account shows zero outstanding and has been properly closed.

Does It Affect Your CIBIL Score?

The account's previous payment history and write-off remain part of your credit history. So, although paying the dues is a positive step, Post Write-Off Closed should not be confused with a normal “Closed” account.

If you have completely repaid the written-off amount, keep your payment proof and NOC/closure documents. Also check your CIBIL Report carefully to ensure the current balance and overdue amount are correctly reported as zero.

Most importantly, don't panic when you see this status. It means the written-off account has been closed after repayment—not that your debt is still outstanding.

If this information helped you understand Post Write Off Closed Status, give this post a 👍 Like, share your thoughts in the Comments, and Share it with someone who may need it.

For more useful credit and CIBIL updates, follow our page. For personalised advice, feel free to DM us directly.

15/08/2026

Happy Independence Day to all our customers, associates, staff, bank managers and friends.

11/08/2026

What are STD, DPD, SMA, SUB, DBT and LSS in a CIBIL Report?

Ever checked your CIBIL Report and wondered what those strange codes next to your loan actually mean? Terms like STD, DPD, SMA, SUB, DBT and LSS may look confusing at first, but they can reveal important details about your repayment behaviour. Understanding these codes can help you identify potential issues and take action before they affect your future borrowing opportunities.

1. STD: Standard

STD means Standard. It generally indicates that the loan account is performing normally and payments are being made as expected. It is not a negative repayment classification. However, STD does not mean that you have never made a late payment. The specific repayment history should still be checked carefully.

2. DPD: Days Past Due

DPD stands for Days Past Due. It indicates how many days a payment remained overdue. For example, 30 DPD means a payment was overdue by 30 days, while 60 DPD indicates a delay of around 60 days.
A DPD entry can be a warning sign for lenders, particularly when delays are frequent or continue for longer periods.

3. SMA: Special Mention Account
SMA means Special Mention Account. It is generally used to highlight an account showing early signs of financial stress before it becomes a non-performing asset. Depending on the reporting category, SMA classifications can indicate that the borrower is experiencing repayment difficulties.

4. SUB: Substandard
SUB means Substandard. It generally refers to an account that has remained in the non performing category for a specified period and is showing significant repayment problems.
This classification can make lenders more cautious when assessing a future loan application.

5. DBT: Doubtful
DBT means Doubtful. It indicates a more serious level of repayment concern. An account may be classified as doubtful when it has remained in the substandard category for the applicable period.
For lenders, this classification suggests that recovering the outstanding amount may be uncertain.

6. LSS: Loss
LSS means Loss. This is one of the most serious classifications. It generally indicates that the lender considers the outstanding amount to have very low or no realistic recovery value, although the account may not necessarily have been completely written off.
Why Do These Codes Matter?

These classifications can give lenders insight into how responsibly a borrower has managed credit. A history showing repeated delays or serious adverse classifications may reduce the chances of getting loans or credit cards on favourable terms.

If you find an incorrect classification in your CIBIL Report, do not simply ignore it. Check the underlying account details and contact the concerned lender or raise a dispute with the credit bureau where appropriate.

Your CIBIL Report is more than just a three-digit score. Sometimes, a few letters can tell the bigger story about your credit history.

Address

Banaros Road Near Uco Bank
Jagadispur
711115

Opening Hours

Monday	9am - 9pm
Tuesday	9am - 9pm
Wednesday	9am - 9pm
Thursday	9am - 9pm
Friday	9am - 9pm
Saturday	9am - 9pm

Telephone

+919830826104

Website

https://naskarfinserv.in/

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