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
June 30,2025

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Hyderabad, July 30: At least six workers were feared killed and 20 others injured in a massive reactor blast at an industrial unit at Pashamailaram near Hyderabad on Monday.

The incident occurred at a chemical factory in the industrial area in Sangareddy district around 9 a.m.

The explosion triggered a huge fire, which engulfed the premises of Sigachi Chemicals. Firefighters rushed to the spot to douse the fire. Eleven fire engines were pressed into service to control the fire.

Police, fire services and other personnel launched rescue and relief operations. Ambulances were also seen at the spot to shift the injured to hospitals.

The injured were admitted to government and private hospitals. The condition of some of the injured is stated to be critical.

Six of the workers were feared killed on the spot while an injured worker reportedly succumbed at a hospital. Officials have not yet confirmed deaths.

According to eye-witnesses, such was the impact of the explosion that workers were tossed in the air and fell several meters away. The manufacturing unit in the factory collapsed under the impact of the blast, while fire spread to the adjoining building within the factory premises.

Several workers were working near the reactor when it exploded. Migrant workers from Odisha, Uttar Pradesh and other states were employed in the industrial unit.

The explosion and fire sent panic among the employees in the chemical unit and the adjoining factories. They ran out of the premises.

The rescue workers were also using earthmovers to remove the debris of the demolished structure, as there are apprehensions that some workers may be trapped under it.

Sangareddy District Collector P. Pravinya and Superintendent of Police Paritosh Pankaj also rushed to the spot and were supervising rescue and relief operations.

Personnel from various industrial units and staff of different departments also joined the rescue operation.

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News Network
July 1,2025

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Bengaluru, July 1: As senior Congress leader Randeep Singh Surjewala prepares to meet Karnataka MLAs amid growing unrest within the party, Congress MLA Iqbal Hussain has claimed that over 100 legislators support a leadership change and back Deputy Chief Minister DK Shivakumar to take over as Chief Minister.

Hussain, known to be a close ally of Shivakumar, warned that the Congress risks losing power in the 2028 Assembly elections if the top post is not handed over now. “More than 100 MLAs are in favour of a change. Many have been waiting for this moment. They want good governance and believe DK Shivakumar deserves the opportunity,” he said in a TV interview.

‘May Lose 2028’

“I will definitely raise the issue with Mr Surjewala,” Hussain added, referring to Monday's meeting. “If the change doesn’t happen now, Congress cannot retain power in 2028. This is in the party’s best interest.”

While Congress president Mallikarjun Kharge recently reiterated that the decision on the Chief Minister post lies with the party high command, Hussain said, “We respect the high command, but it’s our responsibility to speak the truth.”

DKS Camp Pushes for Rotation

The current discontent traces back to the 2023 Assembly elections, when the Congress registered a resounding victory. Shivakumar, then KPCC president, was widely credited for the win and was seen as a strong contender for the Chief Minister’s post. Eventually, he was persuaded to accept the roles of Deputy CM and state party chief.

While there were reports of a power-sharing or rotational CM deal between Shivakumar and incumbent Siddaramaiah, no official confirmation ever came from the party.

Top Brass Denies Change

Randeep Surjewala, who was rushed to Bengaluru by the party high command, dismissed speculation of a leadership change. He described his visit as a routine organisational exercise focused on governance and party development, calling any talk of a leadership shake-up “a figment of imagination.”

Chief Minister Siddaramaiah, too, downplayed the buzz. Speaking in Mysuru with Shivakumar at his side, he said, “This government will be as solid as a ‘bande’ (rock) for five years.” Holding hands with the Deputy CM, he added, “We are on good terms. We don’t listen to what others say.”

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News Network
July 4,2025

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Gaza, July 4: As the humanitarian crisis deepens in the besieged Gaza Strip, Israeli airstrikes on Friday killed nearly 50 Palestinians—including civilians seeking food at aid distribution centers—according to medical sources.

In one of the most lethal events of the day, 15 individuals lost their lives and 90 others sustained injuries while waiting for humanitarian aid near the al-Tahlia roundabout in eastern Khan Younis, southern Gaza.

Eight Palestinians, including women and children, were killed when Israeli forces targeted a tent housing displaced individuals near Tiba Towers in al-Mawasi, located to the west of Khan Yunis.

The majority of the victims were individuals from the same family whose residence was directly struck near the Tiba Towers, as reported by eyewitnesses. Additionally, several others were injured during the attack.

In a separate nearby attack, three more individuals, among them two children, lost their lives close to the British field hospital.

Airstrikes also targeted two tents on the Khan Yunis beachfront, resulting in the deaths of four civilians, primarily women and children.

The official Palestinian Wafa news agency reported that Israeli artillery targeted tents accommodating displaced civilians in al-Mawasi, Rafah, in southern Gaza, causing further casualties.

In the central region of Gaza, four individuals lost their lives in the al-Bureij refugee camp as a family's residence was struck during a nighttime offensive.

In the meantime, three more people lost their lives in southern Gaza City as a result of a strike on a family residence located in the al-Sabra neighborhood.

Israeli forces also targeted a school that was providing shelter for displaced individuals; though, there were no immediate reports about the number of possible casualties.

Separately, eyewitnesses stated that Israeli forces razed multiple residential buildings in the northern flank of Khan Younis.

The latest attacks come as the UN special rapporteur on the occupied Palestinian territory said on Thursday that Israel is “responsible for one of the cruelest genocides in modern history.”

Francesca Albanese made the remarks at the UN Human Rights Council as he presented her latest report, condemning the Tel Aviv regime over weaponizing Gaza as a testing ground and calling for sweeping international action.

“The situation in the occupied Palestinian territory is apocalyptic,” she said. “In Gaza, Palestinians continue to endure suffering beyond imagination. Israel is responsible for one of the cruelest genocides in modern history.”

Albanese stated that official statistics indicate more than 200,000 Palestinians have been killed or injured; however, prominent health experts believe that “the true toll is far higher.” 

She criticized the so-called Gaza Humanitarian Foundation – Israel's newly established aid system in Gaza, which has been linked to hundreds of deaths thus far – labeling it as “a death trap – engineered to kill or force the flight of a starved, bombarded, emaciated population marked for.”

Albanese noted that arms manufacturers have garnered substantial profits by providing Israel with munitions used in the bombardment of Gaza.

“Arms companies have turned near-record profits by equipping Israel with cutting-edge weaponry to unleash 85,000 tons of explosives – six times the power of Hiroshima – to destroy Gaza,” she said.

The senior UN official denounced Israel over using the Gaza war to “test new weapons, customized surveillance, lethal drones, (and) radar systems,” warning that Palestine’s defenselessness had made it “an ideal laboratory for the Israeli military-industrial complex.”

She also called on businesses to act, stressing, “Corporate entities must urgently cease all business activities and terminate relationships directly linked with, contributing to, and causing human rights violations and international crimes against the Palestinian people.”

Albanese said she no longer believed ignorance or ideology were sufficient explanations for global inaction. “In the face of genocide – so visible, so livestreamed – these explanations fall short.”

She concluded with a call for civil society to play its part, saying, “Trade unions, lawyers, civil society groups, and ordinary citizens should encourage such behavioral change from the side of businesses and governments by pressing for boycotts, divestments, sanctions, and accountability. What comes next depends on all of us.”
 

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