Epayclick Consultancy Services

25/08/2026

25/08/2026

Here are some Best Home Loan Tips to consider before taking a home loan:

1. 🏠 Compare Interest Rates — Check offers from multiple banks/HFCs.

2. 💰 Keep a Higher Down Payment — A larger down payment can reduce your loan burden.

3. 📊 Check Your Credit Score — A good credit profile may help you get better terms.

4. 📅 Choose the Right Tenure — Longer tenure lowers EMI but increases total interest.

5. Keep EMI Affordable — Ideally, your total EMIs should remain comfortably manageable against your monthly income.

6. 📄 Check All Charges — Processing fee, legal/technical charges, insurance and other applicable costs.

7. 🔄 Understand Prepayment Rules — Know the conditions before making extra payments.

8. 🔍 Read the Loan Agreement Carefully — Understand the interest type, reset terms, penalties and other conditions.

9. 🛡️ Maintain an Emergency Fund — Keep enough savings for unexpected expenses.

10. ✅ Take Professional Guidance — Compare the complete loan cost, not just the advertised interest rate.

23/08/2026

Credit Score (CIBIL Score) বাড়ানোর জন্য কয়েকটি গুরুত্বপূর্ণ বিষয় মেনে চলুন:

1. সমস্ত EMI ও Credit Card Bill সময়মতো পরিশোধ করুন — একদিনও দেরি না করাই ভালো।

2. Credit Card-এর পুরো বিল পরিশোধ করুন — শুধু Minimum Due দিলে সুদ বাড়তে পারে এবং credit profile খারাপ হতে পারে।

3. Credit Utilisation কম রাখুন — সাধারণভাবে মোট credit limit-এর 30%-এর মধ্যে ব্যবহার রাখা ভালো।

4. বারবার Loan/Credit Card-এর জন্য আবেদন করবেন না — একসঙ্গে অনেক hard enquiry score-এর উপর নেতিবাচক প্রভাব ফেলতে পারে।

5. পুরনো ভালো Credit Account অকারণে বন্ধ করবেন না — দীর্ঘ credit history উপকারী হতে পারে।

6. Credit Report নিয়মিত পরীক্ষা করুন — ভুল তথ্য থাকলে সংশ্লিষ্ট lender/CIBIL-এর কাছে dispute করুন।

7. Loan-এর overdue থাকলে দ্রুত মিটিয়ে ফেলুন এবং ভবিষ্যতে নিয়মিত payment history বজায় রাখুন।

8. একাধিক loan নিয়ে অতিরিক্ত ঋণের চাপ তৈরি করবেন না।

19/08/2026

Credit Awareness Camp

Today, we are present at Baharail High School for a Credit Awareness Camp. 🏫💳

We are happy to connect with Teachers and the local community to spread awareness about responsible credit, financial planning, and available financial services.

🤝 Creating Awareness
📚 Sharing Financial Knowledge
💡 Building a Financially Aware Community

19/08/2026

Credit Awareness Camp

Today, we are present at Samaspur High School for a Credit Awareness Camp. 🏫💳

We are happy to connect with Teachers and the local community to spread awareness about responsible credit, financial planning, and available financial services.

🤝 Creating Awareness
📚 Sharing Financial Knowledge
💡 Building a Financially Aware Community

19/08/2026

Credit Awareness Camp

Today, we are present at Baharail High School for a Credit Awareness Camp. 🏫💳

We are happy to connect with Teachers and the local community to spread awareness about responsible credit, financial planning, and available financial services.

🤝 Creating Awareness
📚 Sharing Financial Knowledge
💡 Building a Financially Aware Community

15/08/2026

🇮🇳 15th August Celebration 🎉
Celebrating the spirit of freedom, unity and patriotism! 🇮🇳✨

Today, we proudly celebrated Independence Day with Flag Hoisting Ceremony and a series of memorable programs.

Let us remember the sacrifices of our freedom fighters and continue working together for a stronger, brighter and better India. ❤️🇮🇳
Happy Independence Day! 🇮🇳
Jai Hind! 🇮🇳 Vande Mataram! 🇮🇳

13/08/2026

🏠 আপনার স্বপ্নের বাড়ি হোক আরও সহজে!

💰 Home Loan | Personal Loan | Business Loan | Mortgage Loan
☀️ Solar Loan | 🏥 Health Insurance

আপনার প্রয়োজন অনুযায়ী সঠিক আর্থিক সমাধানের জন্য আজই যোগাযোগ করুন
Epayclick Consultancy Services-এর সঙ্গে।
📞 9735728409

11/08/2026

🏠☀️ বাড়িতে Solar বসানোর সেরা সময় এখনই!
Loan + Subsidy—দুটির সুবিধা পেতে আজই যোগাযোগ করুন Epayclick Consultancy Services-এর সঙ্গে।

📞 9547637277

10/08/2026

📢 CREDIT AWARENESS CAMP

Organized by Epayclick Consultancy Services

Our Service's
🏠 House Building Loan | House Repairing Loan | Personal Loan | Mortgage Loan | Business Loan | Health Insurance | Solar Loan

📍 Raiganj Branch & Kaliyaganj Branch
📞 Contact: 9547637277 / 9735728409

“Take Control of Your Credit, Take Control of Your Life.”