Credit advisory services

Grace Kredi Solutions offers a fresh approach to dealing with financial difficulties and unsecured debts. We guide you settle and increase Credit Score. No.

Benefits of debt management:-

a) Affordable Payments
b) Payment levels depend on what you can afford, not how much you owe. c) Payment for one month. d) Your hassle will be reduced. You make one affordable payment to us and we make payments to all your creditors. e) We will deal with your creditors. If you get fan mail and phone calls from your creditors and debt collection agencies. Plea

se inform us – we’ll deal with it. f) Adjustments. g) If your financial situation becomes little bit badly- you can lower or raise your debt management plan payments accordingly. h) There are no late payment charges
i) Your payments will now be made on time. We may be able to make your future interest charges lowered – or even frozen. How long does a Debt Management program last? Until you have paid your debts in full. If you are making less payment, this will lead to longer time than the original credit agreements and sometimes occur addition interest costs as the credit agreement is longer. However, normally interest charges are frozen when a debt becomes part of a debt management program. As you are a part of our initial consultation, we will provide you an estimated plan which is affordable to you. Also, please understand that a debt management plan will not come to an end quickly. Whether I want to rely on a debt management plan until my debts are over? Clearly No, Because You does not make a contract with us. Only a statement that allows us to contact your creditors on behalf of you. Most of our clients get into our debt management program as a temporary measure. For e.g., when one member of the household for a period of months is between jobs. When household income returns to previous levels, you can return by paying your debts at the previous rate. This can be done in two ways, directly to your creditors or make increased payments through us
Also you can also discard your debt management plan at any time without charge. But a small request, you want to give us 2 weeks written notice. How much will my debt management payments are? It depends on your ability to pay based on your income and essential outgoings, not the total debt or current repayment levels. We tally with your creditors a reasonable amount you can afford allowing for some left over for emergencies. Can I see that my creditors are being paid? You will receive a statement from your creditors. This statement will show the paid amounts made by us on behalf of you. Also, you will get a statement every 3 months that shows all transactions on your debt management account with us. Are you lending me money to pay off my debts? No, we will not lend you money or pay off your debts to your creditors. A debt management repayment plan paves way to repay your loan and credit card debts at an affordable rate. If you are not making pavements according to this plan, we will not make any payments to your creditors and they have every right to take legal action against you, not us. Do you need to do a credit check on me? We do not lend you any money; therefore we do not need to credit check you. Do I need to have a full time job to do debt management? to be accepted, you only have a huge amount of income above what you need to live on of at least. This huge amount must be less than needed to meet current credit and loan repayments. Shall I inform this to my spouse or partner? According to us, it has always been honest with your partner. But, when comes to partner you have to tell if you have joint debts and/or you need your partner’s income to be taken into account to support the plan. It is mandatory for creditors to accept reduced payment offers? Legally, creditors are no need to accept offers of repayment below the contracted minimum. But they clearly know it is not good in demanding money from someone who can’t afford huge amount. In our experience we realized that they will accept reduced repayments where we are able to do your offer is reasonable and then you are committed to repay your debts by use of the debt Management Company such as ourselves

Will the debt management plan affect my credit rating ? Your credit rating will be adversely affected, if you don’t make contracted repayments on your unsecured debts. However, your credit rating may already not satisfy such as arrears or a history of missed or late payments. So the long term is the only way to fix bad credit by repaying your debts. That’s why we are here to design your debt management plan. Will I receive a Default Notice? Yes, it will given by the creditors to protect their own legal position. What shall I do if my creditors continue to pursue me? When your debt repayment plan is being set up. Creditors may continue to take action to recover your debts. Please don’t avoid them. Attend the calls politely, informing creditors that you have fixed an appointment with Innovision services to act on your behalf. Also please forward any letters to us to deal with on your behalf. Normally, creditors are synthetic to those in difficulties and doing what they up to maintain reduced payments by using a debt management company. What if my circumstances change? As the Debt Management plan is an informal program, it is quite easy to change it as your personal circumstances change. Also you can replace it with an alternative arrangement if it becomes more appropriate in future
One of my creditors says they will take me to court if I use a debt management company? Legally, creditors can’t refuse payments via a debt management company and then take you to court for non-payment. Normally, your bank as well as other creditors will soon turn their attention to chasing those currently paying nothing, rather than people clearly with hardships. But the key think from your point of view is to repay what they can afford. Fill out our enquiry form to the left and we will help you too.

13/08/2026

"Expert Credit Counseling for a Secure Tomorrow."

Is debt stress keeping you up at night? You don't have to carry the burden alone. 💡✨

Managing multiple loans, overdue accounts, and low CIBIL scores can feel overwhelming—especially when all you want is financial security for your family. But with the right guidance, recovery is possible.

At Rhema Kredi Solutions, we provide expert, structured credit counseling tailored to your financial situation:

📊 Detailed Credit Report Analysis – Gain clarity on your credit health.

🤝 Bank Correspondence & NOC Assistance – Handle loan settlements and clearing updates smoothly.

📈 Structured Credit Recovery Plan – Rebuild your CIBIL score step-by-step.

Clear your debts, rebuild your credit score, and welcome peace of mind back into your home. 🏡✨

👉 Take the first step toward a debt-free life today! 📞 Call / WhatsApp us at: 9885599881

📲 Send us a message to schedule your consultation now.

Credit advisory services

15/07/2026

# # # Explanation of the Expected Credit Loss (ECL) Framework

The image outlines a major regulatory shift by the Reserve Bank of India (RBI) moving from an "incurred loss" model to the **Expected Credit Loss (ECL) Framework**, effective **April 1, 2027**.

Under the traditional system, banks only set aside capital (provisioning) after a borrower defaulted or a loan actually turned bad. The ECL framework changes this by requiring banks to estimate potential future losses and provision for them *before* they occur. Loans will be classified into three stages based on their risk level:

* **Stage 1 (Healthy Borrower):** Requires a baseline provisioning of 0.40%.
* **Stage 2 (Risk Increased):** Provisioning increases up to 5% as credit risk rises.
* **Stage 3 (Credit-Impaired):** Requires lifetime expected loss provisioning once a loan is severely degraded.

The framework calculates risk dynamically using three key forward-looking metrics: Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD).

---

# # # Benefits of the ECL Framework

**1. Increased Financial Resilience for Banks**
By forcing banks to anticipate losses rather than react to them, the banking system builds a stronger financial cushion. This proactive provisioning prevents sudden shocks to a bank's balance sheet when economic downturns occur.

**2. Early Detection and Risk Mitigation**
Because the framework monitors deterioration early (moving loans to Stage 2 before actual default), banks can take proactive measures. They can restructure loans, engage with borrowers sooner, or adjust lending criteria before the credit becomes entirely impaired.

**3. Higher Transparency and Comparability**
The framework mandates standardized, advanced credit risk reporting. This gives investors, regulators, and depositors a clearer, more accurate picture of a bank’s actual asset quality, making it easier to compare the financial health of different financial institutions.

**4. Rewards for Responsible Borrowers**
Because banks must price risk more accurately, borrowers who maintain excellent credit profiles, low credit utilization, and clean payment histories will benefit. They will likely secure lower interest rates, higher credit limits, and faster approvals, as they keep the bank's provisioning costs low in Stage 1.

11/07/2026

Credit advisory services

02/07/2026

Is Your Credit Report Affecting Your Loan Approval?

Don't let credit issues stand between you and your financial goals. Get your credit profile reviewed by experts and understand the right way forward.

Our Services:
✔ Written Off Review
✔ Suit Filed Assessment
✔ Wilful Default Review
✔ KYC Mismatch Assistance
✔ Post (WO) Settled / Settled Review
✔ Score Improvement Plan

📞 Contact Us: 9885599881
📍 Office Visit Mandatory – Hyderabad

Rhema Kredi – Passion to Resolve

WilfulDefault KYCMismatch SettledAccount ScoreImprovement LoanApproval HomeLoan PersonalLoan BusinessLoan CreditSolutions RhemaKredi PassionToResolve

30/06/2026

A Better Credit Score Starts with the Right Plan!

A low credit score can affect your chances of getting a home loan, personal loan, business loan, or credit card approval.

At Rhema Kredi, we help you understand your credit report and provide a personalized Score Improvement Plan based on your credit profile.

Our Services:
✔ Credit Report Analysis
✔ Credit Profile Assessment
✔ Score Improvement Plan
✔ Personalized Credit Guidance

Take the first step towards a stronger credit profile.

📞 Contact Us: 9885599881
📍 Office Visit Mandatory – Hyderabad

Rhema Kredi – Passion to Resolve

CreditProfile FinancialPlanning HomeLoan PersonalLoan BusinessLoan CreditSolutions RhemaKredi PassionToResolve

24/06/2026

SUIT FILED STATUS?

Has your loan application been rejected?

A Suit Filed status in your credit report may affect your loan eligibility and future financial opportunities. Many people don't discover this issue until their loan is declined.

Don't let your credit report hold you back. Get your credit profile reviewed by our experts and understand the right way forward.

✔ Suit Filed Review
✔ Credit Report Analysis
✔ Score Improvement Plan
✔ Personalized Credit Guidance

📞 Contact Us: 9885599881
📍 Office Visit Mandatory – Hyderabad

Rhema Kredi – Passion to Resolve

LoanApproval CreditIssues CreditProfile ScoreImprovement FinancialPlanning HomeLoan PersonalLoan BusinessLoan RhemaKredi PassionToResolve

20/06/2026

Think your loan is settled and everything is fine?

A Post (WO) Settled status may still affect your credit report, loan eligibility, and future financial opportunities.

Our experts can help you understand your credit report and guide you with a personalized score improvement plan.

📞 Contact Us: 9885599881
📍 Office Visit Mandatory – Hyderabad

16/06/2026

POST (WO) SETTLED STATUS?

Your Loan May Be Closed...
But Is The Issue Really Over?

Many people believe "Settled" means "Problem Solved."

The reality?

A Post (WO) Settled Status may still impact your Credit Report and Loan Approval Chances.

🔍 Know What's In Your Credit Report.

📞 Contact Us: 9885599881
LowCIBIL LoanRejected

04/06/2026

BEFORE YOU APPLY FOR A LOAN...

Have You Checked Your Credit Report?

⚠️ Written Off Status
⚠️ Low Credit Score
⚠️ Loan Rejection Issues

A Written Off Account Could Be Affecting Your Approval Chances.

💼 Our Services:
✔ Written Off Review
✔ Credit Report Analysis
✔ Score Improvement Plan
✔ Credit Profile Assessment
✔ Professional Guidance

📞 Contact Us: 9885599881
📍 Office Visit Mandatory
LoanRejected LoanApproval CreditIssues

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