Thoughts & Tales of tpSphR

In India, there are several Credit Information Companies (CICs) that maintain credit information for both individuals and businesses. These institutions play a crucial role in shaping your financial future—be it applying for a loan, a credit card, or even securing a home rental in some cases. However, today I want to talk about something that deeply bothered me while helping a friend resolve a credit report issue. CIBIL Isn’t Always Helpful — And That’s a Problem TransUnion CIBIL is often considered the most trusted CIC in India. But what I experienced while trying to fix a credit report error left me shocked. My friend had already obtained a No Dues Certificate from the lender. Despite this, the loan account was still showing as “active” in the CIBIL report. We raised a complaint through the CIBIL portal—but guess what happened? There is no option in the CIBIL portal to submit supporting documents like the No Dues Certificate. So even if you have valid proof, you're left...

There’s something truly special about sitting next to someone who has seen the dark, fought through storms, and still carries the calm of the sunrise in their heart. These people—those who have struggled, stumbled, and still stood tall —carry a light within them. A quiet strength. A depth that can’t be learned from books or borrowed from others. They have walked the fire , and what emerged isn’t just success—it’s humility , resilience , and wisdom . When they look back at where they once were, sometimes they smile in disbelief. " Was that really me? " they wonder. The pain, the uncertainty, the sleepless nights—all seem like a dream now. But those memories are never too far; they live within, making them grateful , gentle , and grounded . Because here's a truth we often forget: Only those who’ve truly struggled can understand the weight of another’s pain. This is called empathy —not sympathy. Sympathy says, " I feel sorry for you. " Empathy whispers, ...

When I sit alone and start overthinking , I sometimes find myself spiraling around that one person — the one I gave excess access to my peace of mind. The one I gave the authority to manipulate everything as per her mood . The one whose actions could flip my entire day upside down. And when I started reacting to her every move… That very day, I should have realized one thing — that there’s no one weaker than me. She used to say, “I don’t like weak people.” But what she never understood was — it was her actions that made me weak. And I was the fool who let it happen. She forgot… There was a time when she herself was broken, fragile, lost… and needed someone to stand by her side. And I was that someone. But when she found her strength later in life, she erased the memories of those days — those days when she needed emotional support. And I was there . But when I stood at the edge, looking for the same… No one was there. I collapsed. And somehow, still… I ...

  About an hour ago, I finished watching a movie called 96 . And even now… I’m lost in its world. It’s not just a story— it’s a feeling . A soft ache. A question that keeps echoing in my head: "Does this kind of love really exist?" Maybe I overthink sometimes. Maybe I get carried away. But something about this story stirred me deeply. I’ve never been in that kind of love. Haven’t experienced it, not yet. Still, a part of me believes... Yes. This love exists. Somewhere, quiet and timeless—just like Ram and Janu. The film follows Ram , a travel photographer, who randomly visits his old school. That place brings back so many memories that he ends up arranging a school reunion. Everyone is excited to show up. Except, there's one face Ram waits for most— Janu (Janki) , his childhood love. When Janu finally arrives, late in the evening, Ram avoids her at first. He hides. Nervous. Still the shy boy he used to be. But Janu walks right up to him. And when she touches him… Ra...

Sometimes, life gifts us the most unexpected joys … and this one came wrapped in laughter, memories, and the warm hug of friendship. So let me tell you a little story. She’s my bestie — Harshi , from my beloved school Navodaya (and I know you already know how much I adore that place). We’ve shared years of friendship, giggles, and pure Navodayan madness. A few days back, while we were on a call, we were talking about why we couldn’t meet whenever you visit Uttarakhand. Harshi lives in Goa now because of her job, so her visits here are rare. I told her then — “The next time you're in town, you have to meet me.” And guess what? Just a day before, she pinged and said she’s in Almora , her home nestled in the beautiful hills. I was instantly excited! I told her I'd try to come and will confirm a day before whenever I could make it. 🌄 The Plan Unfolds… Come Saturday morning , Harshi called and said she’s now in Pantnagar with her husband and baby, staying at a college gue...