OneScore: The Smarter Way to Secure a Personal Loan

Business Desk
June 18, 2025

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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.

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News Network
November 21,2025

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Udupi: The Malpe Police have arrested two men from Uttar Pradesh for allegedly sharing classified information related to Indian Navy vessels with individuals in Pakistan, posing a serious threat to national security.

According to a complaint filed by the CEO of Udupi Cochin Shipyard, Malpe—an institution under the Union Ministry of Ports, Shipping and Waterways—the prime accused, Rohit (29), was working as an insulator through subcontractor M/S Shushma Marine Pvt Ltd. He had earlier served at Cochin Shipyard Limited in Kochi, Kerala, where naval ships are under construction.

Udupi SP Hariram Shankar said the accused had unlawfully shared, via WhatsApp, confidential identification numbers of Navy-related ships and other classified details while working in Kerala, allegedly for illegal gains.

After joining the Malpe shipyard unit, Rohit reportedly continued collecting sensitive information through a friend in Kochi and circulated it to unauthorised individuals, violating national security protocols and potentially endangering India’s sovereignty, unity, and integrity.

Based on the complaint, Malpe Police registered a case under Section 152 of the Bharatiya Nyaya Sanhita (BNS) and Sections 3 and 5 of the Official Secrets Act, 1923.

A police team led by Karkala Subdivision Assistant Superintendent of Police Harsha Priyamvada—along with PSI Anil Kumar D, ASI Harish, and PC Ravi Jadhav—conducted the investigation and arrested the two accused, identified as Rohit (29) and Santri (37), both residents of Sultanpur district, Uttar Pradesh.

The duo was produced before the court, which remanded them in judicial custody till December 3. Further investigation is in progress.

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News Network
November 29,2025

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New Delhi: Karnataka chief minister Siddaramaiah and deputy CM DK Shivakumar on Saturday put up a dramatic display of unity at a closely watched joint press briefing, firmly dismissing weeks of speculation about a power-sharing tussle within the Congress. With the high command nudging both leaders to sit together and settle the dust, the meeting became a political spectacle, ending with the duo declaring that there was “no confusion, no differences.”

Calling the reports of a rift “manufactured confusion,” Siddaramaiah said the talks had gone smoothly, even joking about their breakfast. “Breakfast was very good. All three of us enjoyed it,” he said. “We want to end this confusion once and for all. For local elections and for 2028, our mission is clear — Congress must return to power. There is no difference between me and DKS, not now, not before.”

He blamed the media for fuelling rumours and reiterated absolute adherence to the party leadership. “From tomorrow, let there be no confusion. What the high command says, we will follow.”

Siddaramaiah also assured that the Assembly session starting December 8 would run smoothly and vowed that Congress would take on the BJP and JD(S) “together.”

Shivakumar echoed the chief minister word for word, stressing loyalty and discipline. “People have given us a massive mandate. It is our duty to deliver,” he said. “This government was formed under Siddaramaiah’s leadership. We both have complete trust in the high command. If they tell me to wait, I will wait.”

He added that the two leaders had discussed strategy for the 2028 Assembly elections. “Whatever the CM says, I agree. We are loyal soldiers of the party. The party may be facing challenges nationally, but we will keep it strong in Karnataka.”

Shivakumar also said Siddaramaiah would soon visit his home for lunch or dinner — another symbolic gesture meant to underline their unity.

Both leaders later posted on social media describing the breakfast meeting as “productive” and focused on “Karnataka’s priorities.”

The BJP, however, rejected the show of camaraderie as “pure bunkum,” accusing Congress of trying to paper over an internal power struggle. But Siddaramaiah and Shivakumar insisted their united front would continue — and that there was “no confusion” within the state leadership.

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P A Hameed Padubidri
November 26,2025

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Constitution Day, also known as Samvidhan Divas, is observed every year on November 26 to honor the adoption of the Constitution of India and to recognize the visionary effort that shaped the world’s largest democracy.

Historical Background

It’s on November 26, 1949, the Constituent Assembly of India formally adopted the Constitution.This date is commemorated to acknowledge the completion of nearly three years of drafting, debate, and refinement.

On January 26, 1950, the Constitution came into force, marking India’s transition from a dominion to a sovereign republic.

The date 26 January was chosen to honor the “Purna Swaraj” declaration made in 1930 that marked the relentless efforts & sacrifices of the many. 

Why Constitution Day is Celebrated

* To honor & remember the framers of the Constitution, especially Dr. B. R. Ambedkar, the Chairman of the Drafting Committee, & many others. 

* To remind the citizens of the values, responsibilities, and rights enshrined in the Constitution.

* To promote constitutional values & literacy among students, institutions, and the general public.

* To reaffirm the nation’s commitment to justice, equality, liberty, fraternity and secular values. 

Vision and Significance of the Constitution

It establishes the fundamental political and legal framework for the nation.

Defines the structure, powers and functions of:
    •    The Executive
    •    The Legislature
    •    The Judiciary
    •    Guarantees a comprehensive set of Fundamental Rights, including:

-Equality before law
-Freedom of speech & expression
-Protection of life and personal liberty
-Freedom of religion
-Embeds Directive Principles of State Policy, guiding governance toward social justice and welfare.
-Introduces Fundamental Duties to ensure civic responsibility among citizens.

Key Features Celebrated on Constitution Day

-The Indian constitution is considered one of the longest written constitutions of the world. It’s systematically drafted considering almost all aspects that properly fits to the country. 

-Blend of multiple global constitutional principles while staying rooted in Indian values and realities.

-Framework that balances Federalism, Secularism, Democracy and Rule of Law. This makes everyone-from President to common man-below the law & are equal in the sight of law. 

-Another feature is that it’s based on built-in mechanisms for amendments, ensuring the Constitution grows with changing needs.

Message of the Day

The core ethos of this  Constitution Day is not merely about looking back at history-it’s a reminder of the continuous duty to protect democratic values, respect diversity and uphold the principles that define India as a sovereign, socialist, secular and democratic republic.

Happy Constitution Day to all my compatriots

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