Banking & Utility Services
Insurance · Credit Cards · Demat · Bank Account · CIBIL · PAN · Bill Payment · Travel
From opening a zero‑balance account to paying electricity bills, from getting your CIBIL improved to booking a flight — HR Finance is your trusted digital services partner in Suratgarh.
CIBIL Score Improvement — We Are Specialists
Low CIBIL score? Don't worry — HR Finance helps you improve your credit score step by step and even arranges loans for low CIBIL holders through special schemes.
CIBIL Score Range Guide
300-549
Poor
550-649
Fair
650-749
Good
750-849
V.Good
850-900
Excellent
HR Finance Special: We arrange loans even for clients with CIBIL score 550+ through exclusive schemes!
CIBIL Check
Score Improvement
Dispute Filing
Low CIBIL Loan
6 Steps to Improve Your CIBIL Score
Check Your CIBIL Report
Get your complete CIBIL report first — understand exactly which factors are affecting your score and why.
Remove Incorrect Entries
If any wrong entry exists in your report, file an official dispute. HR Finance handles the entire dispute process on your behalf.
Clear All Pending Dues
Settle pending EMIs and credit card dues immediately — significant score improvement happens quickly after clearing dues.
Reduce Credit Utilization
Never use more than 30% of your credit card limit — maintaining low utilization is the most effective way to boost your score.
Take a Secured Loan
A gold loan or FD‑backed loan improves your credit mix and steadily increases your CIBIL score over time.
Monitor Your Score Regularly
Check your CIBIL every 3 months and track your improvement progress with expert guidance from HR Finance.
Clients Served
CIBIL Improved
Credit Cards
Bill Services
Vehicle Insurance — Fast & Digital
Two‑wheeler, car and motor insurance — instant renewal, third‑party and comprehensive policies from all major insurers.
Two Wheeler Insurance
Bike & scooter insurance — digital, instant and paperless in minutes.
- Two Wheeler Insurance
- Bike Insurance (Digital & Instant)
- Third Party Coverage
- Comprehensive Policy
Car Insurance
New car insurance & instant renewal — all types, all brands, best premium rates.
- Car Insurance (New & Renewal)
- Instant Online Renewal
- Third Party & Comprehensive
- Zero Depreciation Add‑on
Motor Insurance
Complete motor insurance — third party liability and comprehensive coverage for all vehicles.
- Third Party Liability Insurance
- Comprehensive Motor Policy
- Commercial vehicle coverage
- Personal accident cover
29+ Credit Cards — Find Your Best Match
Rewards, cashback, travel, shopping and lifestyle credit cards from all top banks — we help you choose and apply for the best card.
Start Investing with Demat Account
Open a demat & trading account with India's leading brokers — zero brokerage options, best platforms and fast account opening.
Open a Zero‑Balance Account
Open savings, current or digital bank accounts online — instant activation, zero paperwork, full banking features.
Grow Your Wealth Smartly
Axis Mutual Fund
SIP and lump‑sum investments in Axis Mutual Fund — equity, debt and hybrid funds.
Instant Document Verification
KYC and active document verification for individuals and businesses — instant results.
Pay All Bills at One Place
Recharge, utility bills, EMI payments and more — fast, secure and instant payment processing.
Banking Services at Your Doorstep
Full banking services at your nearest CSP point — no need to visit a bank branch.
Common Questions
One Stop for All
Banking & Digital Services
Insurance, Credit Cards, Demat, Bank Accounts, CIBIL, PAN, Bill Payments & Travel — all at HR Finance, Suratgarh
Contact HR Finance
Call Us
+91 98286 23021
Mon–Sat, 9 AM – 7 PM
harshswami1122@gmail.com
Reply within 24h
+91 98286 23021
Chat anytime
Our Office
New Bus Station, Lahoti Petrol Pump ke Piche,
Suratgarh, Sri Ganganagar, Rajasthan