Indian largest banking institution SBI has started SMS based complain service. SMS Unhappy is the latest facility launched by the Bank to improve customer service.  The service is available 24 x 7 and you do not need to visit the branch to register your grievance.  All you need to do is to send just one SMS to the Bank.  It is thus paperless and one more Green Initiative of the Bank.

If you are not happy with the services offered by our Bank, just SMS “Unhappy” to 8008202020 and our dedicated “happy executives” will call you and get details regarding from you.  They, together with your branch will resolve the issue to your satisfaction.  The quick resolution of all your banking related troubles will surely bring a smile on your face. Go ahead and try it and have problem solved :)

CIBIL Score for Individual

If  you are looking for Home loan,Car loan or new credit card Check your CIBIL TransUnion Score and Credit Information Report first, as this can make your loan processing faster, smoother and simple

The CIBIL TransUnion Score is a 3 digit numeric summary of your credit history which indicates your financial & credit health. The Score is derived from your credit history as detailed in the Credit Information Report [CIR] and ranges from 300 to 900 points. Your credit score tells the lender how likely you are to pay back loan or credit card dues based on your past repayment behavior. The higher your score, the more the chance of your loan application getting approved!

Did you know, 90% of new loans sanctioned are to individuals with a credit score of 700 and higher!

Your CIBIL CIR is provided to you along with your score, because it is the basis on which your credit score is generated. It's a record of your credit history. i.e past loans or credit cards availed from various loan providers. who are members of CIBIL for more information please go to the Frequently Asked Questions section.

If you want to get your CIBIL score and CIR click here and fill this form and know what is probability of your Loan

CIBIL Company Credit Report (CCR)

A CIBIL Company Credit Report (CCR) can achieve this In today’s day and age, your business needs to be responsive to rapidly evolving market needs. Be it daily working capital, or for any expansion plans, you always need an access to finance.

A CIBIL Company Credit Report (CCR) is a record of your company’s credit history. This report is used by loan providers to make informed lending decisions - quickly and objectively.

Just to make you understand about Loan approval process here is flow chart which will help you to understand better.

Income Tax Rates for financial year 2012-2013 (Assessment year: 2013-14)

Men
Upto Rs. 2,00,000	Nil
Rs. 2,00,001 to Rs. 5,00,000	10%
Rs. 5,00,001 to Rs. 10,00,000	20%
Above Rs. 10,00,000	30%

Women
Upto Rs. 2,00,000	Nil
Rs. 2,00,001 to Rs. 5,00,000	10%
Rs. 5,00,001 to Rs. 10,00,000	20%
Above Rs. 10,00,000	30%

Individual of 60 years or above (Senior Citizens)
Upto Rs. 2,50,000	Nil
Rs. 2,50,001 to Rs. 5,00,000	10%
Rs. 5,00,001 to Rs. 10,00,000	20%
Above Rs. 10,00,000	30%

Individual of 80 years or above (Very Senior Citizens)
Upto Rs. 5,00,000	Nil
Rs. 5,00,001 to Rs. 10,00,000	20%
Above Rs. 10,00,000	30%

 As per budget presented on 28th Feb, 2011, Pranav Mukherjee proposed changes forincome tax rate slabs as per below.Apart from current one lakh investment, additional 20,000 Rs will be non-taxable, if it is invested in long term infrastructure bonds.