OneScore: The Smarter Way to Secure a Personal Loan

Business Desk
June 18, 2025

onescore.jpg

When in urgent need of funds, securing a personal loan quickly and smoothly can be a lifesaver. If you have a good CIBIL score, then you can secure a better offer and faster approval. Once approved, you can use the loan amount to cover everything from medical bills to education or home repair costs.

Digital lending has made waiting weeks for approval a thing of the past. Applying for personal loan on the OneScore App is one such option that gets you personalized loan offers with minimal paperwork and simple eligibility checks. 

Why Your CIBIL Score Matters for Personal Loans

A CIBIL score, issued by TransUnion CIBIL, is India’s most widely used credit score model. It reflects your credit health based on your borrowing and repayment history. Lenders use it to assess your eligibility for personal loans.

A score above 750 signals strong creditworthiness and boosts your chances of quick approval. It also helps you secure lower interest rates. Lenders see high scores as a mark of a low-risk borrower and may offer better terms.

Moreover, a good score increases your loan amount eligibility and opportunity to get a longer repayment tenure. This way, you could borrow more and repay over a longer period. On the other hand, a low score may lead to rejections or stricter terms like higher rates and smaller loan amounts.

Build a Strong Credit Profile with OneScore

Before applying for a personal loan, having a healthy CIBIL score is essential. OneScore helps you monitor and manage your credit all in one place, so you can confidently approach lenders and unlock better loan offers. 
●    You can check your CIBIL score anytime for free and stay updated on your credit health. Regular monitoring helps you spot changes early and avoid surprises when applying.
●    It also helps detect and report any fraudulent or incorrect loan accounts. Fixing these errors enables you to maintain a strong credit profile.
●    Based on your credit behaviour, you can receive tips on how to improve your CIBIL score over time. These suggestions help you build a healthy credit profile. 

How OneScore Simplifies Personal Loan Applications 

On one hand, OneScore helps you build and maintain a strong CIBIL score. On the other hand, you can use it to unlock personalised and instant loan offers. Here’s how OneScore’s Personal Loan facility simplifies the process:

●    Tailored Loan Offers
Get loan options curated specifically for you, based on your CIBIL score and other details. This helps you avoid any unnecessary delays and improves your chances of approval.

●    Fast Eligibility Check
Quickly check your CIBIL score and assess your loan eligibility in seconds. It doesn’t impact your score, require a formal application or change hefty fees. 

●    Minimal Paperwork
Complete your loan application with basic documentation. The process is 100% digital, saving you time and eliminating hassles.

●    Instant Loan Access
Once you are approved for financing, you can enjoy instant loan disbursal to meet urgent financial needs.

●    Track Applications in Real Time
Keep tabs on your loan status directly through the app. From application to approval and disbursal, there is no need for follow-ups on phone calls.

●    Safety Without Spam
Your data stays safe and secure and there are no ads, which means you can focus on what is truly important - your creditworthiness and finances. 

●    Competitive Interest Rates
When your CIBIL score is strong, you can unlock better deals. Get loans with interest rates starting at just 12.5% on the app. 

Easy Steps to Apply for a Loan Using OneScore

Just follow these simple steps to check your CIBIL score and explore personalised offers through OneScore’s Personal Loan. 

1.    Get the OneScore App
Get the OneScore app from the Play Store or App Store. Sign up using your mobile number, then enter basic details like your name, email, and date of birth. You will also need to share your PAN details. Your personal details are secure and only used to help fetch your CIBIL score.

2.    See and Boost Your CIBIL Score
Once your account is ready, OneScore shows your CIBIL score. This score impacts your loan eligibility and interest rates. If it needs improvement, OneScore offers helpful tips to boost it.

3.    Check Personal Loan Offers
Go to the Personal Loan section in the app to see personalised loan offers based on your CIBIL score. You will be eligible for them once your score reaches 730. Review the approved loan amount and click ‘Accept and Continue’ to proceed.

4.    Choose The Terms
Pick from EMI options based on loan amount, tenure, and interest rate. When you find terms you like, tap ‘Proceed’ and review your selection.

5.    Finish the KYC Process
Verify your identity by linking your DigiLocker account to confirm your Aadhaar details. Don’t have DigiLocker? The app guides you to create one easily.

6.    Confirm Account Information
Confirm your bank details with a small ₹1 deposit, which will be refunded to you. This step completes your KYC and ensures your loan is linked to the correct account.

7.    Create a Mandate for Repayment
Enable auto-debit from the same bank account. This keeps your EMIs on track without any hassle.

8.    Receive Your Loan Amount
Review all terms and conditions carefully on the final screen. Once confirmed, your loan amount is disbursed directly to your bank account. This usually takes around 24 hours.

Using OneScore, you can check your CIBIL score for free anytime. Once you have a good score, the app allows you to secure loans up to ₹5 lakhs at competitive rates. 

OneScore also helps you detect and report fraudulent loan accounts that could hurt your credit. Clearing these errors is key to maintaining a strong credit profile. Moreover, you can manage your loans, calculate EMIs, and set reminders all in one app.

Comments

Add new comment

  • Coastaldigest.com reserves the right to delete or block any comments.
  • Coastaldigset.com is not responsible for its readers’ comments.
  • Comments that are abusive, incendiary or irrelevant are strictly prohibited.
  • Please use a genuine email ID and provide your name to avoid reject.
News Network
June 30,2025

Gazansstarv.jpg

Palestinian authorities in Gaza have released alarming figures on the starving civilians killed by Israeli live fire while waiting in line for humanitarian aid.

The Palestinian authorities condemned the regime forces’ ongoing attacks on Palestinians seeking aid across the territory.

Gaza’s Government Media Office said approximately 580 Palestinians have been killed and over 4200 others injured as a result of Israeli attacks on civilians seeking aid.

It held Israel and its allies, particularly the US, the UK, France, and Germany, legally and morally responsible for supporting the systematic extermination of civilians in Gaza.

The office also urged the international community to pressure Israel to open Gaza’s crossings, lift its blockade, and allow the immediate entry of humanitarian aid before it is too late.

The new revelation came after Israeli media reported that soldiers have deliberately shot at unarmed Palestinians seeking aid in Gaza after being “ordered” to do so by their commanders.

UN agencies have also condemned the so-called US-Israeli food distribution system in Gaza, calling it a death trap.

Researchers have found that almost 100,000 Palestinians have been killed since the start of Israel’s genocidal war on the Gaza Strip in October 2023.

The figure was published in a new study led by University of London economist Professor Michael Spagat and Palestinian political scientist Khalil Shikaki, who surveyed 2,000 households in the besieged Gaza, comprising almost 10,000 people.

The researchers concluded that, as of January 2025, some 75,200 people died a violent death in Gaza during the Israeli aggression, the vast majority caused by Israeli munitions, along with 8,540 killed via a non-violent death.

Since January, more than 10,000 people have also been reported killed by the Gaza Health Ministry, bringing the combined fatality count to nearly 100,000.

The new death toll shows that the Gaza Health Ministry understates the true scale of the crisis caused by the Israeli aggression, compounded by hunger, disease, and gunfire at food distribution centers

Comments

Add new comment

  • Coastaldigest.com reserves the right to delete or block any comments.
  • Coastaldigset.com is not responsible for its readers’ comments.
  • Comments that are abusive, incendiary or irrelevant are strictly prohibited.
  • Please use a genuine email ID and provide your name to avoid reject.
News Network
July 4,2025

afghnarussia.jpg

Moscow, July 4: Russia has officially recognized the Taliban government as Afghanistan's rightful government, the first country to do so nearly four years since the extremists took power. The action is a diplomatic victory for the Taliban and underscores Russia's increasing influence in Central Asia and South Asia, the New York Times reported.

In a statement on X, Afghanistan's Foreign Ministry confirmed that Russian Ambassador Dmitry Zhirnov conveyed the Kremlin's acknowledgement during a meeting in Kabul with Taliban foreign minister Amir Khan Muttaqi. The Russian Foreign Ministry declared the move would provide "impetus to the development of productive bilateral cooperation" in trade, energy, and infrastructure.

A diplomatic win for the Taliban

The formal acknowledgment is a major victory for the Taliban. In spite of repeated attempts at rapprochement, the movement had not managed to gain legitimacy, since Western and most Islamic countries had maintained diplomatic ties at a bare minimum.

However, with time, attitudes have changed globally. With the Taliban firmly in place and with no sign of internal collapse, different countries have begun exploring pragmatic contacts, albeit short of recognition. The Russian step is a continuation of those steps, following China's infrastructure overtures, India's resumption of visa grants, and low-key diplomatic moves by Germany and others.

"Such acknowledgment by Russia provides not only diplomatic legitimacy but also bargaining power for the Taliban to demand more action from unwilling countries," according to Tom Ramage, Brussels-based foreign policy analyst.

The designation is the culmination of heightened ties between Moscow and Kabul over the past few years. In April, Russia's supreme court removed the Taliban from its official list of terrorist organizations, a designation that had been in place more than two decades previously. That move set the stage for more collaboration on security, notably against the Islamic State affiliate ISIS-K, which has become a common threat to both regimes.

ISIS-K launched a vicious attack in March 2024 against a Moscow-region concert hall that killed over 130. The group also targeted the Russian Embassy in Kabul in the past, giving Moscow all the more impetus to assist the Taliban in counterterrorism and intelligence efforts.

Russia's Foreign Ministry emphasized that enhanced cooperation would include energy, agriculture, and transport infrastructure. Moscow is keen on better access to Afghan mineral wealth and trade routes linking Central Asia with South Asia and beyond.

A change in the international landscape

While Russia's move is singular in that it was the only complete recognition, it is one aspect of a broader rebalancing of foreign relations towards Afghanistan. China has pledged to extend its Belt and Road infrastructure projects into the country, and the United Arab Emirates and Iran remain two of Afghanistan's largest trade partners.

Germany, in turn, is considering a deal with the Taliban to deport Afghan nationals residing illegally in Germany. Though not an official recognition, it does acknowledge the de facto rule of the Taliban over the state machinery.

The United States is also firmly opposed to recognition, pointing to the continued oppression of women by the Taliban, such as banning girls from schooling beyond sixth grade and restricting the employment of women. US officials have also rejected any effort to release Afghan central bank funds unless there are concrete human rights guarantees.

A complicated history

Russia's move has a historic significance. The Soviet Union had invaded Afghanistan in 1979 and engaged in a long, harsh conflict with US-supported mujahedeen fighters for a decade, killing almost 15,000 Soviet troops. Now, Moscow is seeking influence in the area through diplomacy, not military might, trying to fill a void left by the United States after it withdrew from the country in 2021.

Foreign Minister Muttaqi welcomed the recognition as "an opportunity for other countries to follow." The Taliban hopes it will lead to greater economic investment and increased legitimacy, though obstacles remain. While Russia welcomed the Taliban, most of the world still denies it legitimacy in its form of government, and aid only comes in under tight controls.

As Moscow makes a comeback as an international player and Kabul looks for partners willing to ignore its human rights abuses, Thursday's statement marks a turning point in the geopolitics of post-US Afghanistan.

Comments

Add new comment

  • Coastaldigest.com reserves the right to delete or block any comments.
  • Coastaldigset.com is not responsible for its readers’ comments.
  • Comments that are abusive, incendiary or irrelevant are strictly prohibited.
  • Please use a genuine email ID and provide your name to avoid reject.
News Network
June 27,2025

khameneiisrael.jpg

Tel Aviv, June 27: Israel's war minister (known as "defence" minister), Israel Katz, said on Thursday that Iran’s Supreme Leader Ayatollah Ali Khamenei was marked for assassination during the recent 12-day conflict, but evaded elimination by going underground. 

“If Khamenei had been in our sights, we would have taken him out,” Katz told Kan public television, adding that the Iranian leader “went very deep underground and broke off contacts with commanders,” making a strike “not realistic”, according media reports.

Speaking in a round of televised interviews, Katz reiterated that Israel actively searched for Khamenei throughout the war. “We searched a lot,” he told Channel 13, explaining that Israel’s goal was not regime change but to destabilise Iran’s leadership and apply pressure mid-conflict.

The war, which began on June 13 and concluded with a US-brokered ceasefire on June 25, saw Israel launch airstrikes that killed several top Iranian commanders and nuclear scientists. Katz said Israel maintained aerial superiority and enforced what he described as a policy of “enforcement actions against Iran,” designed to prevent the country from rebuilding its nuclear and missile capabilities, as per the Times of Israel.

Asked if Israel had sought US approval to target Khamenei, Katz told Channel 13, “We don’t need permission for these things.” 

He also compared Khamenei to Hezbollah leader Hassan Nasrallah, who was killed last year, advising the Iranian leader to remain in hiding, “I wouldn’t recommend that he stay tranquil,” Katz told Kan.

“He should learn from the late Nasrallah… I recommend that he do the same thing. ”US President Donald Trump had also threatened Khamenei’s life during the conflict. On June 17, Trump wrote on social media: “We know exactly where the so-called ‘Supreme Leader’ is hiding… We are not going to take him out (kill!), at least not for now.” 

However, days later, Trump walked back the statement, saying regime change was not advisable. Despite his earlier stance, Trump ordered the launch of Operation Midnight Hammer, a series of precision strikes on three Iranian nuclear facilities. According to White House press secretary Karoline Leavitt, the strikes were a “total obliteration” and successfully degraded Iran’s nuclear infrastructure. 

“It was a total success… Not only does our own intelligence say that, but even the Iranian foreign minister and the United Nations agreed,” she said at a briefing Leavitt also confirmed that the Trump administration remains focused on diplomacy and peace, with US and Iranian officials set to hold talks next week. She said the US is in close communication with intermediaries like Qatar to explore pathways for Iran to adopt a “non-enrichment civil nuclear program.”

The ceasefire has shifted priorities. Katz said Israel will no longer pursue Khamenei's life post-ceasefire but warned that any future provocations would be met with force. “There’s a difference, before the ceasefire, after the ceasefire,” he said. He also acknowledged that while Israel destroyed Iran’s enrichment capabilities, it does not know the location of all enriched uranium. However, Katz claimed that the strikes have delayed Iran’s nuclear ambitions “by long years” and vowed that “we won’t let that happen.”

Comments

Add new comment

  • Coastaldigest.com reserves the right to delete or block any comments.
  • Coastaldigset.com is not responsible for its readers’ comments.
  • Comments that are abusive, incendiary or irrelevant are strictly prohibited.
  • Please use a genuine email ID and provide your name to avoid reject.